What are some small habits you have that help you save just a little bit of money at a time? - Seedly

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Asked by Anonymous

Asked on 23 Oct 2018

What are some small habits you have that help you save just a little bit of money at a time?

The kinds where you don't feel it at first, but over time can be a surprising amount

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Answers (14)

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Yong Kah Hwee
Yong Kah Hwee
Level 6. Master
Updated on 07 Jun 2019

I don't buy drinks during meals!

2 comments

8
Charmaine Lim Xiaomei
Charmaine Lim Xiaomei

23 Oct 2018

That's what I usually do too!! But I got addicted to ice coffee recently 😭
Yong Kah Hwee
Yong Kah Hwee

23 Oct 2018

Make sure you go for the less sugar/no sugar option then! Health is wealth!

1) breakfast bread or oat or hawker with budget within $2, change around so don't get bored.

2) Never order drinks during lunch, drink it after back to office. One day $1.3 to 1.6 x 20 = $36/month

3) Bring own water bottle save for outings , so cover weekend at least 2 meals water consumption, save at least $7 to $10 x 8 = $56 per month.

4) No grab / taxi just walk bus / mrt. Save at least $20 x 4 weekends x 2 days = $160 per month or more. Always go home before midnight save on Night owl/rider.

Even if you just do 2 and 3 water alone would have save $92 a month. Enough to pay Telco and broadband bill or top up $8 enough to do STI ETF DCA monthly investment !

2 comments

6
Leong Wen Fong
Leong Wen Fong

24 Oct 2018

Wa HC, do you really do all these??
HC Tang
HC Tang

24 Oct 2018

Yes! :) haha.
Chok Fern Chai
Chok Fern Chai
Level 2. Rookie
Updated on 07 Jun 2019

My sis shared with the $5 Saving Challenge. Started since beginning of the year and I saved quite a few hundreds already.

Other habits can be:

  1. Cut down on drinks outside. If I have have craving for sugar drinks, go to nearest convenient store/supermart to get drinks below $2 instead of bubble tea/drinks from foodcourt;
  2. Bring water bottle to work/outside - in case on the way thirsty can drink plain water, before go home top up water from office water dispenser, plain water is healthier also.

  3. Drink own atas instant coffee (50cents/stick) instead of buying it from store ($1.80/cup)

  4. When come to food choice, usually I scanned all food $5 & below first, if don't have food I like then I will look at more expensive food.

1 comment

4
Leong Wen Fong
Leong Wen Fong

24 Oct 2018

Wa simple, but sounds very effective!!
Huang Yixuan
Huang Yixuan
Level 6. Master
Answered on 23 Oct 2018

My grandma cooks breakfast for me to bring to work! So if I eat that for lunch and go home for dinner I won't be spending any money on food at all :)

0 comments

4
Lishi Chia
Lishi Chia
Level 2. Rookie
Answered on 17 Mar 2019

For family outings to places like the zoo or bore parks, bring your own water bottles instead of buying the sugared drinks there. If you like to drink flavored drinks, can always make your own drink at home to bring along. I like to being yuzu tea along to cool myself on a hot day. Also, consider to prepare food instead of eating at the restaurants inn the zoo. No queues and just treat it as a picnic. Kill two birds with one stone.:)

0 comments

2
Junus Eu
Junus Eu
Top Contributor

Top Contributor (Jun)

Level 8. Wizard
Updated on 07 Jun 2019
  1. Drinks in single-use disposable cups. Definitely not spending on bubble tea/designer coffee/whatever other fancy drinks readily available in single-use plastic cups. For that reason, I always make sure to bring my water bottle wherever I go. It also helps me cut down on my use of single-use plastics, and also calories ;)
  2. Intermittent Fasting. This is probably controversial, but I don't eat breakfast and haven't been doing so for 3 years now. It did not start off because I wanted to save on breakfast costs though. This is part of my Intermittent Fasting experiment which I have now evolved into my lifestyle - so I definitely save money not having breakfast! I do start my day with lots of warm water, and that's pretty much it!
  3. Cab less, walk more. I am a huge walker. I'm more of a HIIT person than a clock 10k a day person, but I still easily clock 10k a day because I will take every opportunity to walk if I can! If it's walking from Orchard to Bugis and the weather looks good, I will definitely do that. Once again, the benefits are multi-fold: not only do I get some exercise, it's good for the mind and also I save some money! I probably take cabs less than ten times a year.

1 comment

1
Mel Tan Wm
Mel Tan Wm

12 Mar 2019

Take it from Junus! Go siew dai or kosong and do your own workouts :)
Shannen Tan
Shannen Tan
Level 3. Wonderkid
Answered on 25 Oct 2018

(1) Cut down on buying coffee outside, especially those that cost about $5/cup at least. Try to keep myself as caffienated as possible by buying my own coffee and making sure I have at least one cup before leaving the house.

(2) Walk, walk, walk. Instead of taking a train or bus for 1-2 stops, I take a walk if I'm not in the rush.

(3) Buying generic medications in the pharmacy. Sometimes they give you "branded" versions when the generic versions works just as well and a lot cheaper.

(4) This is bad but sometimes I intentionally combined breakfast+lunch so I can save on one meal.

0 comments

1
Charmaine Lim Xiaomei
Charmaine Lim Xiaomei
Level 4. Prodigy
Updated on 07 Jun 2019

My brother who is studying at NUS stays in hall and I use his ezlink card to go to work so that I can get train concession at only $45/mth!

2 comments

2
Adrian Yeo
Adrian Yeo

31 Oct 2018

that's cheating, not savings. haha
Bear Cranky
Bear Cranky

24 Nov 2018

Ya! Can meh? Then I can use my Gal's concession card to go wk too!
Gabriel Lee
Gabriel Lee
Level 6. Master
Updated on 07 Jun 2019

As an NSF, eating cookhouse food for free instead of going for canteen break where I have to pay

2 comments

1
Leong Wen Fong
Leong Wen Fong

23 Oct 2018

Hahahaha this one damn legit. but the temptation is real!!
Gabriel Lee
Gabriel Lee

23 Oct 2018

Hahah yup especially when you have to stay in
Good Day Every Day
Good Day Every Day
Level 6. Master
Updated on 07 Jun 2019

Prepare my own breakfast and lunch at least three times a week so that I could ensure that I am eating healthy and at the same time, save some money.

2 comments

1
Leong Wen Fong
Leong Wen Fong

24 Oct 2018

Share some recipes please!
Marina Marina
Marina Marina

30 Oct 2018

Or cook a little bit during dinner so that you can bring it for lunch/bfast the next day

Trying to lose weight so eat less and reduce desserts. Expenses are lower since im a student and most money spend on food

0 comments

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Kenneth Chan
Kenneth Chan
Level 2. Rookie
Answered on 17 Mar 2019

Use Cash. I saw my expenses drop by 30-40% just by that.

0 comments

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Kenneth Lou
Kenneth Lou, Co-founder at Seedly
Level 8. Wizard
Updated on 07 Jun 2019

Here is a big one. Tested and proven.

set up. Standing Instructions (SI) to stash money away after you get your salary.

it becomes automated so you will totally forget about how much you are saving up overtime.

3 comments

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Lishi Chia
Lishi Chia

17 Mar 2019

Hi, care to elaborate on your tips? Which bank? :)
Kenneth Lou
Kenneth Lou

18 Mar 2019

Hi Lishi! I'm currently using OCBC360 savings account. they have a really easy way to set up the Standing instructions. (SI)
Shun Oh
Shun Oh
Level 3. Wonderkid
Answered on 24 Oct 2018

1) Leave mrt station before 745am. Save 50 cents per ride. 2) don't buy drinks when eating outside

0 comments

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