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Victor
22 Jun 2021
Financial Service Consultant at AIA
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E.A.S.Y
Eat: Bring your own food for work. Watch the food expenditure by having a budget every month. This will allow you to monitor your spending such as bubble tea, snacks.
Activities: Participate in low cost activities like going to the beach. Cycling.
Salary per hour: Know how much you are getting per hour. For example, you are earning $15/ hour. 1 new iPhone 12 will cost $1200. That will require 80 hours of work . it is equivalent to about 10 days of work.
Yourself: You need to enjoy this process of being minimlaist and be prudent.
Life is short and is time sensitive, no point aiming for F.I.R.E but missing out in life.
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Ling Jit Thong
02 Aug 2020
Dentistry at NUS
Hi there! I'm a 20 y/o NSF so I can understand this conflict that you're having. Personally, I set a budget when I go out with my friends to eat and have fun. Usually <$10 per meal. If drinks are involved, I'll cap it at $20. Do note I drink maybe once/twice a month.
Some tips to stretch the dollar:
1) Visit Hawker Centres
2) Book restaurants using Eatigo (up to 50% discount)
3) Pay using Favepay + Grab credits
4) Share a meal if you're not particular hungry
5) Plain water instead of bbt/sweet drinks
6) Use credit card to accumulate points/rebates (Pay on time!)
7) Do you really need that upsize?
8) Take advantage of coupons/combo meals
I believe other answers touch on the activities you can do for free so I don't want to touch on that.
Ultimately, it comes down to self-discipline to say no when your friends invite you to hang out every now and then. Fret not, it will bear fruit in the future!
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You can consider using apps like eatigo.
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You could make a budget and explain to your friends.
still, don't forget to be generous towards the...
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Go to an affordable place to hang out. Usually I do buffet haha. The cost-time ratio is worth.