Saturday, January 30, 2010
Previously, we had a pay cut exercise for 9 months, due to the bad economy. All of us have to face a 20% deduction in our pay, which was a big amount to small executive staff like us. I have to start planning for my saving for 'rainy days' which incur extra expenses, which are not in my budget, such as wedding invites.
Normally I will prepare a $88 ang bao for wedding dinner to my friends, unless we are super close or family relatives, I seldom give more than $188. If there are 2 invites in a month, I will have to give $176 out of my pay cut salary. This means, for that particular month, I will have to 喝西北风. Even if I am prepared to spend lesser on shopping and other entertainment, other bills will still be a heavy burden to me. Can't expect me to drink water every day right?
So 天生丽质,冰雪聪明的我 came up with an idea. I can save $2 per day. In 1 year, I can save up to $730. These money in the container can only be used for wedding invites and nothing else. All I have to do is to find a container, that I cant easily open up, cut a hole at the top and place $2 in everyday. $2 is just a small amount, and I will not feel any pinch placing in everyday, and I told myself, I will just have a dish lesser of meal everyday. This requires determination, but I think I can do it.
I really start my savings, either I put 2 golden coin in or a $2 note. Soon, I can feel the metal box getting heavier and heavier. It helps, I managed to save money, and it gives me satisfaction.
Want to share with everyone here, that I personally have tried out and it is really helpful. Whenever there is a wedding invite, I can simply draw the money out from the box, and not from my pay at all. It helps me tide through the tough period. After that, I can still pamper myself to my favourite MayDay Concert in Singapore.
Try it, my friends. You will gain in the long run.
加油!
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