facebookWhat are your favourite life hacks to save extra cash? - Seedly

thefrugalstudent

Founder at thefrugalstudent.com

03 Feb 2021

Saving Hacks

What are your favourite life hacks to save extra cash?

I'm curious to know what are your favourite life hacks that you always do to save more money - every cent counts right? Share them in the answers below to help the Seedly community save more!

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  1. Get free full-sized samples weekly from www.auntiesam.sg/ vending machines all around Singapore. I just signed up last week and redeemed 2 Carlsberg cans (alcohol-free) and chips for my first haul. Freebies can be anything from Ribena to instant noodles. To redeem even more samples above the weekly freebie limit is only 20-33cents per token (1 sample can be anywhere from 0-3 tokens). 50 points=1 token. 1 free token is given each week, and 1 free point each for the first 3 days in a row when you check in online. Get 3 free points on the 4th-6th days and 1 free token on the 7th day. DM me @nicoupons on insta for the referral code and promo code to get 1 (or 2) free tokens and 30 free points when you sign up. Referral code is my phone number so I don't want to publish here. I will also receive 1 free token when you sign up.

  2. Entertainer app for 1 for 1 deals on mains at many eating/drinking/takeaway places but some places offer 25% off total bill. Currently $79 for the whole year but if you eat at Fat Cow or Bedrock Bar & Grille once with the app you'll already be saving. I use Entertainer almost daily, helps me discover new dining places too.

  3. I use StarHub Prepaid card WOW data plan $25 for 20GB + free data on Sundays, for 4 weeks. Out of the 20GB, 4GB can be used overseas at many countries. Unused data out of the 4GB rolls over if new plan is purchased before current one expires. I don't have any free local calls or texts but with WhatsApp/Telegram/Messenger/iMessage/FaceTime/Skype/GroupMe/Insta/WeChat, I only need data. I can still receive SMS for OTPs and spam (even when I'm overseas) but this cuts out the spam calls. I also have 60min free Skype calls worldwide per month from my Microsoft Office 365 subscription so I use Skype if I really need to call a number that is not on a social media calling app. For incoming calls from people who don't have WA/Tele/Fb/iPhone, I have a Skype number for US$52/year for unlimited incoming calls.

  4. "Free" money from YouTrip because the app is not letting me add my credit card after previous one expired, there is no Next button after filling in my details. Reported to customer service and IT support but they still can't fix. My YouTrip wallet balance is -$20 because for public transport, the app only posts a lump sum total every few days as one transaction and my last MRT/bus posted expense was more than my previous wallet balance. I confirmed with customer service that there's no penalty for the negative balance. There's a negative balance limit at which the Youtrip card stops working, not sure what exactly but at -$20 I can't use it anymore until the IT issue is fixed and I can add my new credit card to top up the wallet. Not sure if there's penalty if you don't have the same issue and leave a negative balance.

  5. Sign up for CapitaStar and Ion Orchard rewards app to collect points from all your purchases with min $20 receipt. Redeem points for vouchers, discounts and lucky draw entries. The apps require you to take photo and upload your receipts but don't/can't verify your ID so if you have family/friends (or find random receipts from strangers who leave them behind at the mall) always spend at CapitaLand malls, can ask them to send you a picture of receipt to collect points. As long as the receipt is uploaded to the app by the end of the next day after purchase is made.

  6. I always sign up for a rewards program if it's free, even if I don't frequent those places because you never know when the points might come in handy. Most recently signed up for Haidilao, Body Shop, Don Don Donki, iChangi.

Kent Toh

02 Feb 2021

Consultant at Sprinklr

I guess this one was missed out. Implement a "keep the change" strategy, and literally save the extra coins or cash. I'm not fond of carrying coins around, so any spare coins just save them up! Also, sometimes because I don't have loose change, I ended up not buying that snack (and saved some calories too).

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I like it how some have answered rightly along the same aspiration of saving the dollars but not depriving yourself. I suppose, maybe, some see deprivation as part of the adrenalin of saving money, psychologically speaking.

I will say my spouse and myself have adopted the mentality of sufficiency. We are sufficiently happy with shilifang instead of haodilao, we make sure we treat ourselves that simple meal and other cafe at the most twice a month. Other meals strictly to be home cook or hawker. Well, at least, finite memories of the fine things make it more worthwhile isn't it?

Sufficiency goes a long way because it's more about what makes you sustainably Happy, rather than seeing HaiDiLao as a default meal. We also have a shared finance app track that we limit our category of spending, such as groceries at 300 or eating out at 150. This doesn't give us a hard stop of limiting ourselves as we understand there are different circumstances across the month. But hey, at least we know what we've been spending and we will cut short for the following month.

If you aren't happy while you are saving up, you should think about it again. Because it should be your life goals that are dictating your financial goals, not the other way around affecting your everyday life.

I personally use cashback app, shopback.
using google pay to get rewards.

Bullythebear

02 Feb 2021

Tutor at Self employed

My only hack to save more money is to be so busy earning money that I have no time to spend it. Buil...

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