Money Saving Techniques

[zhiz22]

im still working towards my 50K savings b4 i get marry. Est i can save abt at least 8-10K per year after minusing cost.. i did by die also 500 goes in to my bank 1st. Bonus/AWS all in. Then Watever excess i have for my salary also goes in. Im a big spender but i guess i can save too. My Salary is just enough to apply Credit Card. I indulge in nitty gritty waste money stuff sometimes, im 30% a saver and 70% Spender.

Heres my tips:

Get 2nd hand stuff if possible
join mass order
buy vouchers (can get 15-50% off face value)
Buy clothes during sale
Surf net for more lobangs
Get CC to save u on some meals
Buy a car? Co share with family
Know more ppl n get staff price from them.

if you get married at the wrong timing, your 50k goes to the cov of a resale flat only.

 

[cnotsniw]

Know more ppl n get staff price from them

i like this ... got lobang? share share leh ... can pm me :

 

[Al-Jay]

330 is cheap, but dvd player is like less than 100 bucks leh.. and need one laptop enough le ma, why 2..

DVD player is << 50, but need a TV, nanny house using 29" CRT. Glaring, too big and consume more electricity! A 40gb HDD can store alot of baby vcd and DVD program.

Need one in nanny place and one at home.

Sold away my free Singtel phone for 250, decided in invest in 2 notebook.

 

[cnotsniw]

DVD player is << 50, but need a TV, nanny house using 29" CRT. Glaring, too big and consume more electricity! A 40gb HDD can store alot of baby vcd and DVD program.

Need one in nanny place and one at home.

Sold away my free Singtel phone for 250, decided in invest in 2 notebook.

I think he was referring to portable DVD player ... but u have to lug your DVDs/CDs around.

Guess u rip those stuff in2 the NBs.

 

[Al-Jay]

for my 7 mth old baby to watch DVD. One at nanny house, one at home.

oh btw, dont let your baby watch too much tv/dvd at such a young age as their eyes are not fully developed yet. to stimulate him/her visually, u can try flash cards

... cheers

Australia is going to ban baby or kids of certain age from watching such program.

Well, he watch about 30min a day on LCD only, so it is okay. Max is 1hr weekends. Moreover, it is different program everything. He started since 3 months old.

 

[Al-Jay]

I think he was referring to portable DVD player ... but u have to lug your DVDs/CDs around.

Guess u rip those stuff in2 the NBs.

Portable DVD player is 100+ for a 7" and a shinco. Notebook is 15".

No need to rip, just copy the .dat file from vcd and .vob file from DVD.

 

[Al-Jay]

What do u have for emergency lighting? in case of power failure, or, touch wood, real emergencies.

My first line of defence is LED lamp. ABC shop sell at $1 while ikea sell for $2. Powered by Lithium Ion battery (samples for my product development).

Second line of defence is candles.

Third line of defence is batteries (GP recyko, uniross hybrio) for batter powered hand-held fan.

Fourth line is hand-powered touch. Which I have 2. I also have hand-powered radio and button cell radio, in case of broadcast during war.

I do hv a UPS but never use or connected yet.

 

[Beta_Tester]

if you get married at the wrong timing, your 50k goes to the cov of a resale flat only.

well i guess this will wipe everything out but at least theres something to wipe out. Anyway I plan to take over my Parents Masionette. So I guess at the most they stay near the estate, i get some grants and perhaps they help me out with it and i think it will be in move in condition. 50K is just my base. Of coz ideally more.

 

[Beta_Tester]

Know more ppl n get staff price from them

i like this ... got lobang? share share leh ... can pm me :

i have a thread in EDMW regarding this. Not updated for a while but there are still some helpers who are willing. Just post there and some good souls will PM you.

Cut cost I do all these.. FRom Shoes, food, luxury items to watever I also try to get staff price. I may sound cheapo but it save me a pile over the years. Ppl say why go thru the hassel but well..

 

[Al-Jay]

Cut cost I do all these.. FRom Shoes, food, luxury items to watever I also try to get staff price. I may sound cheapo but it save me a pile over the years. Ppl say why go thru the hassel but well..

Staff price is not always the best and lowest price, especially for IT product.

 

[zhiz22]

Staff price is not always the best and lowest price, especially for IT product.

so what is the best and lowest price?

 

[Beta_Tester]

Staff price is not always the best and lowest price, especially for IT product.

well of coz i compare n look around.

 

[YanG85]

can share the pdt?

 

[Bob Walsh]

Rainwater Harvesting

Rainwater Harvesting is one of the many benefits of rainwater harvesting - not only it is salt-free, chlorine-free, lower pH, and infused with nitrogen; but it also comes from a free source - with no sewer bill attached! Just 1/2 inch of rain on a 2,000 sf roof can collect up to 600 gallons of rainwater! Also, up to 60% of our water use here is for outdoor use - so not only does it never reach a sewer, but it is a great waste of a scarce and precious resource. I had been wondering about this since I was considering plumbing my shower, sinks & wash machine outside rather than into the sewer, but didn't think the city would actually consider "lowering my bill." YEAH...another way to save the planet & save money.



____________________
Greentech are specialists in a range of Rainwater-Harvesting Services.

 

[goodcareer]

Rainwater Harvesting is one of the many benefits of rainwater harvesting - not only it is salt-free, chlorine-free, lower pH, and infused with nitrogen; but it also comes from a free source - with no sewer bill attached! Just 1/2 inch of rain on a 2,000 sf roof can collect up to 600 gallons of rainwater! Also, up to 60% of our water use here is for outdoor use - so not only does it never reach a sewer, but it is a great waste of a scarce and precious resource. I had been wondering about this since I was considering plumbing my shower, sinks & wash machine outside rather than into the sewer, but didn't think the city would actually consider "lowering my bill." YEAH...another way to save the planet & save money.
QUOTE]

that was an old topic that we have discussed here already...

 

[urban_closet]

im still working towards my 50K savings b4 i get marry. Est i can save abt at least 8-10K per year after minusing cost.. i did by die also 500 goes in to my bank 1st. Bonus/AWS all in. Then Watever excess i have for my salary also goes in. Im a big spender but i guess i can save too. My Salary is just enough to apply Credit Card. I indulge in nitty gritty waste money stuff sometimes, im 30% a saver and 70% Spender.

Heres my tips:

Get 2nd hand stuff if possible
join mass order
buy vouchers (can get 15-50% off face value)
Buy clothes during sale
Surf net for more lobangs
Get CC to save u on some meals
Buy a car? Co share with family
Know more ppl n get staff price from them.

Agree with some of your points:

HWZ and VRZ have helped me save quite a tidy sum in my purchases.. whter buying air tix, buying hp, laptops @ discount, vouchers @ discount, joining MO.

HWZ and VRZ are amazing places to source for and sell 2nd hand stuff..

Buy a car (???? Really didn't get how this will save money)

 

[Jessie Ang]

Is there any student discount???!???

 

[justluna]

Forgive me if I cannot find the thread or post...

Any kind soul willing to share his expenses/savings spreadsheet template with me? In excel sheet format.

I have visited websites which helped but they are a bit complicated for me. Prefer excel format.

 

[cnotsniw]

what discount do u want?

 

[cnotsniw]

Forgive me if I cannot find the thread or post...

Any kind soul willing to share his expenses/savings spreadsheet template with me? In excel sheet format.

I have visited websites which helped but they are a bit complicated for me. Prefer excel format.

I believe its best that u design and customize your own excel worksheet as different people have different needs. U can start by looking @ those freely available and adjust to your liking.

U can go to microsft office download homepage to download the free financial templates.

good luck