What are you willing to sacrifice or give up to improve your financial situation?

Cutting out the small things just don’t make sense to me, actually I don’t have a lot to cut out already.

• Don’t do grab except for reimbursable office work, unless I get Seedly grab vouchers XD.
• already on Sim only plan, saved $35
• cancelled my cable TV last month. Saved $45

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.

1. Sacrifice on drinks during meals. Just drink plain water.

2. Sacrifice taxis to take public transport/walk instead.

3. Sacrifice social drinking with friends. Would rather go for experiences. Drinks are expensive :(

But i would not sacrifice on:

1. Giving parents allowance.

2. Paying for insurance

3. TRAVEL!!!!!

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 😉

Eat to live not live to eat, skip the fancy restaurants/ cafes