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Old 01-09-2017, 04:45 PM   #946
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For me (Android user), I am using an app called Monefy.

And through a course I attended, I divided my accounts into the following;

Financial Freedom Account (20%)
Long Term Saving Account (20%)
Necessities Account (40%)
Education Account (10%)
Play Account (5%)
Give Account (5%)

This is a technique created by T. Har Eker, which you can easily find online.
Think it is called the JARS System.

This is aligns with another book called The richest man in Babylon.
One of the most important rule is to pay yourself first.
It helped me, I hope it can help you guys too.
Jiayou!
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Old 05-09-2017, 10:54 AM   #947
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For me (Android user), I am using an app called Monefy.

And through a course I attended, I divided my accounts into the following;

Financial Freedom Account (20%)
Long Term Saving Account (20%)
Necessities Account (40%)
Education Account (10%)
Play Account (5%)
Give Account (5%)

This is a technique created by T. Har Eker, which you can easily find online.
Think it is called the JARS System.

This is aligns with another book called The richest man in Babylon.
One of the most important rule is to pay yourself first.
It helped me, I hope it can help you guys too.
Jiayou!
Attending the same course later this month, looking forward!
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Old 17-09-2017, 03:07 AM   #948
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I've stopped using air con since 5 years back, and my body adapts to the Singapore weather. I can sleep comfortably and wake up fresh without air con.

Guys, don't sleep in air con else your body is weaker and need depend on air con to sleep all the time...
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Old 17-09-2017, 08:04 AM   #949
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anyone using YNAB

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Old 26-09-2017, 01:22 AM   #950
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anyone using YNAB
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Old 07-10-2017, 12:45 PM   #951
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getting it all set-up is quite a chore :O
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Old 16-10-2017, 10:02 PM   #952
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Not sure if you guys know about this app called coffee break.
As a coffee drinker, it's god sent as I can save money.
Originally $6 coffee and I get it at about less than 4 bucks.

Plus there's this referral thing where u can get free coffee when u share code. I won't put my code here cause. It sure if allowed.

I also use the AIA Vitality app.

Other app I use, ShopBack, diffmarts to check prices and save !
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Old 16-10-2017, 10:55 PM   #953
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Not sure if you guys know about this app called coffee break.
As a coffee drinker, it's god sent as I can save money.
Originally $6 coffee and I get it at about less than 4 bucks.

Plus there's this referral thing where u can get free coffee when u share code. I won't put my code here cause. It sure if allowed.

I also use the AIA Vitality app.

Other app I use, ShopBack, diffmarts to check prices and save !
heard from my friend about the AIA app.. but u have to own an AIA policy to use it
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Old 23-10-2017, 10:38 PM   #954
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Still very expensive at $4.
Buy your own espresso machine and then buy starbucks coffee beans to make, cost only about $0.80 per cup of cuppicino (buy from Starbucks cost >$6 per cup).

Not sure if you guys know about this app called coffee break.
As a coffee drinker, it's god sent as I can save money.
Originally $6 coffee and I get it at about less than 4 bucks.

Plus there's this referral thing where u can get free coffee when u share code. I won't put my code here cause. It sure if allowed.

I also use the AIA Vitality app.

Other app I use, ShopBack, diffmarts to check prices and save !
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Old 25-10-2017, 11:50 AM   #955
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I'm using Spendee - http://www.spendee.com/

It can connect to our local bank accounts too. Very beautiful interface, makes me wanna use it more.
I'm using Spendee too. But I don't connect to my bank account. Just enter every transaction, must make it a habit to enter everything every time.

Connect to bank account then it becomes auto is it?
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Old 26-10-2017, 03:39 PM   #956
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I'm using Spendee too. But I don't connect to my bank account. Just enter every transaction, must make it a habit to enter everything every time.

Connect to bank account then it becomes auto is it?
I use Buxfer. I tried spendee but it didn't allow transfers between different accounts e.g. ATM withdrawal from bank to cash. So tracking card transactions are a lot easier.
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Old 26-10-2017, 11:08 PM   #957
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National steps challenge is here again.
Keep healthy and clock steps and you can redeem prizes.
My main goal is to get all freebies
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Old 29-10-2017, 09:33 PM   #958
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Not everyone is that "elite" happy to start small.. Even if I am able to achieve multiple streams I'll still be happy to save on what I think is overpriced. Of course u can argue we can always drink tap water (though I can't due to weak stomach)

Can share your multiple streams of income?
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Old 21-12-2017, 03:21 PM   #959
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any advance on how to set it up properly
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Old 06-01-2018, 01:46 AM   #960
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Hello everyone, will love to add my humble suggestions!

For me, when I started trying to save money, is to focus on having a financial goal. Sometimes I get tempted to shop or want to have what someone is having, I remind myself of my main goal.

My first goal was to buy a property for my family,... which I think is pretty crazy now. But I guess when you're young, you don't know any better.

So when I see friends of mine buying new, shiny things, I keep telling myself to focus.

Also, to get out of temptations by not shopping. For 2 years, spent my weekends looking at different properties. Makes you dream!

Second, is to have accountability. I will share what I want with someone (usually my best friends) and get them to remind or scold me if I falter.

Third, I always have try to gamify the experience and reward myself when I hit a milestone. I love food and travel... so those are my rewards!

In any case, I am trying to be more minimalistic in 2018.. so one of my goals is to NOT shop, unless necessary....

I am trying to exercise more but I didn't want to continue my gym memberships so I am running + following YouTube fitness gurus. HAHA.

Will love to learn more strategies from all of you.. read about 10 pages before having the courage to post this.

Happy weekend!
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