1) Moving to a Smaller Home or Apartment
Currently I am staying at a double storey house 20x65 which I think ie enough for me.2) Moving Closer to Work
My work place about 25 km from my house which is no jam because is anti- traffic.3) Commuting via Bike or Mass Transit
Car is my best option.4) Eliminating Cable/Satellite
I have no ASTRO or Beyond or Netflix. Only UNIFI- more than sufficient for me.5) Shopping Around for All Bills
I will compare all the grocery product price. Example: Butter - normally I will buy at price RM 9.6) Preparing Meals Exclusively at Home Except for Special Occasions
I cook most of the Sunday dinner, cook ABC soup.
7) Switching (Almost) Exclusively to Store Brands
I will not stick to particular brand, which brand is cheaper I will buy. Example Dish Washing, Labour brand is the cheapest RM 2.30.
8) Restructure Your Debt
I ask my bank to revise my home loan rate.