Page 21 - The Singapore Women's Weekly
P. 21
INSPIRE
MONEY SMART
25 life-changing budget hacks
Follow these money tips to become the savviest you yet
Lock in your savings Grocery shop after work… Unfollow on social media
1If you have a holiday or something 4 It’s tempting to avoid boring jobs 6“It’s so easy to spend today – throw
you’re saving up for, go into your bank like doing a supermarket run after a in a little bit of scarcity mentality and
and block yourself from accessing long day, however some perishables comparison culture and we’re almost
your savings account. Of course, may be marked down at the end of propelled to spend,” says CEO of
make sure you have funds until the the day, so do a smart shop at night! accounting firm A&TA Melissa Brownie.
splurge, but this will stop you spending Make sure you have a shopping list, “Unfollow brands which you know you’ll
unnecessarily prior. to cut down on buying unnecessary click to on social media.”
items, and you’re sure to slash
Delete the food delivery your bill. Split it up
2apps … and when you’re full! 7 t up separate bank accounts
“Se
We’ve all jumped on the bandwagon If you’re hungry while grocery and make regular contributions for
with the latest food delivery services, shopping you’re guaranteed to want holidays, school fees, Christmas, etc.
but they make it too easy when we’re to buy more, whether you know it or so the money is already there,” says
too lazy– and usually end up being not. So don’t go on an empty stomach financial advisor Helen Baker.
pricey! It’s simple to say cook instead by having proper meals before!
of eating out, but we assure you, Reuse coffee cups
deleting these apps will be a blessing Cancel unnecessary 8 Not only are these good for
to your bank account. Check out 5subscriptions the environment, some cafes offer
our delish, fast-to-prep recipes on Do you need to be a member of all the discounts when you BYO cup! We love
www.womensweekly.com.sg/recipe/ movie-streaming websites? If not, pick the collapsible mugs from stojo.co
your favourite and ditch the rest. The
Understand your point sooner you do this, the sooner you’ll Consider cost per wear
3Financial advisors will tell you to see money in your account that didn’t 9 Will you wear that top again? Are
work out your current net position. need to be wasted. you getting the most use out of that
This means listing out everything item of clothing? Consider these
you own and everything you owe questions when buying clothes, then
(including interest rate, loan period you’ll be confident with your wardrobe
and repayment amount). and wallet.
Focus on versatile
10food buys
Plan ahead and buy foods that can
be used for various meals throughout
the week. Find ingredients you love for
more than one meal, and stock up for
the week. Shop smart and you’ll save
money plus avoid wasting food.
september 2019 | 80 | womensweekly.com.sg
