30 Dec 2020
Should we spend our ‘extra’ money on the little things that make us happy? I understand that one needs to be frugal and thrifty in order to save up for your target. But savings and investing are never-ending?
Does it mean that if I already have emergency funds saved, have some investment portfolios, have few insurance policies, then I can have my daily Starbucks coffee? Subscribed to Netflix, and take Grab rides everyday?
Because savings & investing are never-ending. So can we use the "excess" money to do little things daily to make us happy?
Okie I'm loving the answers here so far 🤣
for me, i've worked backwards based on when I want to retire and how much money/assets I need to retire with, came up with a long term plan on how I can get there and also short term targets on what I can do to get there like having a monthly budget. Then I'll try my best to keep to my monthly budgeting and if there are good months where I've additional income or what not, then I'll spend more on treating myself haha.
But tbh on stressful days I'll just be like "okay life is short let's just love ourselves more" and then I'll take Grab x 7383737 😂 Also, I think maybe can prioritise what are the "luxuries" that are more important to you? Instead of just yolo and spend
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When grab ride and Starbucks coffee becomes "daily" affairs , was it too much ? Not to mentioned the daily overdose of sugar intake damage to health.
I believe Moderation is the key. I believe we enjoy variety, why not try something else to really enjoy the variety of what life has to offer
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