I see many people want to improve their finances but find it hard to commit, change lifestyle or sacrifice
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Sacrifice on drinks during meals. Just drink plain water.
Sacrifice taxis to take public transport/walk instead.
Sacrifice social drinking with friends. Would rather go for experiences. Drinks are expensive :(
But i would not sacrifice on:
Giving parents allowance.
Paying for insurance
TRAVEL!!!!!
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I will choose to reduce rather than give up/sacrifice and adjust accordingly which I felt that I spent the most. There's alot of alternatives out that to maintain the lifestyle you are currently enjoying or loves it which you can check it out!
However, I personally felt, as long as you have a your own rules of financial journey and spend within your means, you will not be short change in the future unless you do nothing 😉
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Eat to live not live to eat, skip the fancy restaurants/ cafes
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Sacrifice BBT + other store bought beverages just drink water. Can save up to $80 per month....
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Cutting out the small things just don’t make sense to me, actually I don’t have a lot to cut out already.
My only comfort is food. Which I monitor the Budget closely. That said, I mostly prep food at home. Don’t spend more than $200-300 on restaurants and cafes, eating out in general (including hawker)
Sacrifice Vacations maybe. (It’s occasional for me now. Not a must go, annual affair) Can save about $2000-3000 for small trips $5000-6000 for major trips
Sacrifice privacy to get extra cash? Not sure if it’s good for my mental health though. Can earn about $2000-3000. Can also save on taxes if utilities included in rent.
Currently, I feel my situation is just right. But if I need to do something drastic, I will consider to move in with my parent and renting my house out.