How do you strike a balance between saving for the future and enjoying the present?

I think it's important to set financial goals for the year so that you know exactly what you have to achieve. Right now, I need to top up $15,300 to my Supplementary Retirement Scheme (SRS) so that I can get tax relief for the next year. When I have this clear goal in mind, I will naturally keep going because I don't want to disappoint myself. So, even when I get a miserly $20 from a survey site, I will top up this $20. The more I top up, the more I feel motivated to persevere.

Striking a balance between saving for the future and enjoying the present is key for a fulfilling financial journey. Here are some tips to help you find that balance:

• Set goals that excite you and prioritize your saving and spending accordingly.
• Create a budget that aligns with your income, expenses, and savings.
• Automate your savings to make it easier and more consistent.
• Focus on experiences and meaningful moments rather than material possessions.
• Look for affordable alternatives to enjoy the present without overspending.
• Regularly review your goals and adjust your budget as needed.
• Find joy in both present enjoyment and progress towards future financial security.

Remember, everyone's balance will look different, so find what works best for you and enjoy the journey!

Stick to a budget. but ultimately manage ur expectations

For every $1 spent today, save $2 for the future.
$1 could be for tomorrow, and another $1 could be if you live beyond tomorrow.