✨ (avatar)
updated 3 months ago

To add on, on personal development, I completely cut out smoking and drinking. I only smoked during mental breakdowns but I’ve been learning to control my emotions better and not rely on external coping methods.

As for alcohol, I initially cut it out to lose weight. Then I realised not drinking makes my skin a whole lot better! And my bank account is much healthier, of course.

My aim for 2019 will be to get a job in an industry I love plus save more. Nothing is more satisfying than seeing my savings increase 😌 I’m aiming to have $50k (excluding CPF and after paying my student loans) by the time I turn 25, which is in two years time. Let’s see how that’ll go.

Previously when I was working full time, I managed to save about 50-60% of my pay every month and every pay increment was parked immediately inside my savings account.

Plus I give myself the budget of $5 per meal. Paired with the little discounts I get plus random surveys I do to get money... Hopefully I can hit my goal even when I’m travelling!

My pet peeve is really when people bring up my travels. πŸ™„ During the incident I had with my neighbours, a lot of netizens were adamant that if I don’t travel, we can afford a flat in a better location. πŸ™„πŸ™„πŸ™„

I just wanted to scream at them, do you even understand the cost of buying a flat?! But arguing with a fool proves that there are two. So I kept mum.

Ok I really shouldn’t be ranting so much but I’ve been financially independent since I was a teenager. I earned my first pay check at 15 doing freelance copywriting. So really, don’t tell me how to spend my money unless you’ve worked and saved as hard as me πŸ€ͺ

Even when I travel, I don’t do it luxuriously. I stay in hostels (yes even when I travel with my boyfriend), take overnight buses instead of domestic flights, calculate things down to every cent etc.


I think that’s the easiest way to earn a little here and there cos you don’t need any qualifications. I’m on Milieu now. It’s been less than one month and I earned almost enough to cash out via PayNow!

If you’re interested in signing up use my referral code ok. ‼️ NMJKJ8 ‼️ Not sponsored but I get $1 for every successful referral LOL. $1 also money ok. If ten of you sign up I get $10 already πŸ™ƒ

#dayrefinance #dayresavings

Omg some of you actually signed up for Milieu! #influencer. Ok kidding HAHAHA.

Another survey website I’m using is happydot! I love happydot cos you get $10 voucher immediately upon registration + completing your welcome survey.

I just got mine the other day. The voucher can be used for Giant, Guardian, Cold Storage etc.


Here’s how Milieu looks like! It’s the most aesthetically pleasing survey app I’ve encountered so far. πŸ˜…

Tomato and I get quite a bit of joy out of comparing our scores cos we’re competitive like that. I can’t wait for him to realise the spike in my score when y’all complete the surveys needed for me to get the bonus scores πŸ˜‚

Day 102

Friday, 12 Apr 2019

25 7
isabelle (avatar)

isabelle Haha 50k at 25k is doable as long as you're disciplined with ur savings!! I didn't hit that πŸ˜‚ anw getting married + buying hdb is so expensive lor it's good to start saving early! Jiayou jiayou!

3 months ago

i_yune (avatar)

i_yune Jia you!! πŸ™ŒπŸΌ I’m trying to be more frugal too... just started an Excel sheet to track my expenses and figure out where I can cut down on spending πŸ˜–πŸ’ΈπŸ’ΈπŸ’Έ

3 months ago

bubbletea (avatar)

bubbletea @i_yune i do most of my spendings on credit card to get miles + occasional cashback. it’s easier to track my expenditure as well. i think a bulk of it goes to transport and food for most people

3 months ago

bubbletea (avatar)

bubbletea @isabelle oh nooo i totally forgot about how expensive it is to get married in SG πŸ˜… hopefully i don’t wipe out my savings before 25 on a wedding or i’ll never hit my goal ><

3 months ago

unicornfloss (avatar)

unicornfloss I’m on Milieu too. But the amount of surveys I am able to take is getting lesser and lesser...

3 months ago

Supermundane (avatar)

Supermundane Jia you! I’m 25 and I don’t have 50K πŸ˜… but you do you!! You’re young and if you stay disciplined, I’m sure you can do it

3 months ago

Onetwothreeforever (avatar)

Onetwothreeforever I signed up using your code!!! πŸ˜†

3 months ago

Enjoy reading this?

Join our community! Download the app, and get updates from bubbletea. Remove this bar by logging in.

Download on the App Store (iOS) Download on the Play Store (Android) Download on the Play Store (Windows)