25 ways to improve your Finances in 2015




This article one must read:


http://money.usnews.com/money/personal-finance/articles/2014/12/31/25-ways-to-improve-your-finances-in-2015

I list down the 25 ways:

My phone bill only averagely RM 10 per months.
I didn't buy any apps.
This one is still not MOVING, Tuition center in future???
RINGGIT Plus and SAVEMONEY is a very good FINANCIAL knowledge website to start from.
PHD and HEALTH ( EXERCISE??)
My two children really teach me a lot of force me to CULTIVATE patience.
Through my blog, I do hope to help other.
You must earn more in order to save more. Or identify financial leakage. So far, I do save about 30% of my salary.

My number is 2.8 million at 55 years old. More: http://ck5354.blogspot.com/2014/12/retirement-calculator-oh-retirement.html

You need to know your number in order to work on it.
I seldom post my daughter and son photo on facebook.
Invest in computer (RM 3K)
SSPN ( RM 6K)
PRS (RM 3K)
BOOKs ( RM 1K)
EDUCATION INSURANCE ( RM 3K)
Refer 11.
My electricity bill averagely RM 70 per month, my water bill is below 20 meter cubic, so is free, sponsored by SELANGOR government.
I dislike buying LUXURY item, my smart phone cost me less than RM 500.
I am using Maybank 2 card which offer me 5% discount on weekend and free for life.
This one difficult to do because my wife not interested in it.
Currently I am happy with my half retirement lecturing job.

My monthly cost is quite low because I embrace FRUGALITY.
My score should have some mistake because MY HSBC credit card application get rejected without any reason.
Writing and updating my BLOG will be my abundance candle.
All my clothes I get from my colleague, even TOY. I mainly buy DIAPERs (PET PET or DRYPER no mamy poko) and MILK powder for them.
I think my score on this is 9 out of 10.
I have enough of life insurance.
Seldom date my wife due to busy taking care of children.
25. Embrace frugality.
I am practicing FRUGALITY. Recently bought TWO T-SHIRT.
Original price RM 29.90, discount 70%, RM 8.70. 90% my item is 70% discount.
Friso Gold 900 g STEP 4 milk powder - RM 55.60, discount RM 44.90.
Aik Cheong Coffee RM 4.80 for 20 packets, about 40 cents per packet (assume RM 5)
RM 21.00 for 100 packets if buy bigger volume, so about 20 cents per packet.





2 comments

Apply thru ringgit plus right? Me too dunno yet my hsbc credit card application get rejected without any reason but other banks all ok. I think may be due to I canceled before hsbc credit card.

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