Spending every cent more shiok!
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After paying your bills, I wonder how you guys spend your monthly income..it seems to me that not only spending every cent rather than saving brings more joy ..is it just me or a common outlook of life?
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i don't like.
spend already will heart pain. put inside bank, see the figure better.
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lagi more shiok when u suddenly need a sum of money and found tt u have none
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I don't know lah..I find that saving money don't bring a return of the income unless you're saving in big sums like 5k a month and put it in a unit trust fund..
So idf you earn less than 2k amonth, you probably will not only spend it all but even use credit card lah...people wanna live and play hard not like our grandparents time save and live hard liao
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this is YOUR thinking and YOUR way of handling YOUR money
does not apply to everyone
but i tell u lah, the most shiok one is u try to log in to sgf and found tt u are banned! -
yeah yeah you only know how to ban and not help ...bad mod
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TS has below average financial intelligence.
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below avg?
not zilch? -
Originally posted by FireIce:
below avg?
not zilch?if zilch, he won't even think of paying bills.
that's why better than zilch
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Originally posted by Catknight:
yeah yeah you only know how to ban and not help ...bad mod
whats there to help? -
it is very common for westerners to live in credit, not only they spend every cent, they still have outstanding debts.
im not exactly an advocate for that kind of lifestyle but if u wana spend every cent u earn...make sure it is something good and enriching to ur life.
do you spend it on ur holiday to explore the world? a hobby that you are really into? nicer furnishings for your house? or on ur PRC mistress?
for me i spend a big chunk of my earnings, but i make sure i spend it on things to enrich myself...the rest of the savings i used to buy a few stocks, if they make money, i hv more to spend...if they dont...it doesnt matter much coz im pretty happy with my life.
i know i dont hv an iron rice bowl, but im prepared to work hard and if i ever lost my job id go hunt for the next one almost immediately. i really believe in working and playing hard. so, it really depends on oneself.
p.s. im not going to have children so i dont hv to worry bout saving up so much, and sorry for the long post
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My spending theory:
Spend when neccessary, splurge and pamper myself once in a while, never be stingy towards my famil and love ones.
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Wow no wonder TS is complaining that no SG woman wants him
There is only one word to describe TS and it starts with the alphabet 'L'
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oops typo... its family
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Originally posted by elindra:
Wow no wonder TS is complaining that no SG woman wants him
There is only one word to describe TS and it starts with the alphabet 'L'
I know the word. "Labourious"
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Originally posted by Osc@r:
My spending theory:
Spend when neccessary, splurge and pamper myself once in a while, never be stingy towards my famil and love ones.
Right after my exams in may, before I start work, I will be drafting a personal finance plan for myself, and keep an income statement for every month I work. Must die die track every single dollar, if not money can gone very fast.
Anyone knows if first year at work after graduation also need to pay income taxes?
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L for lanjiao
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dont evade your taxes lao ying. lol
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Originally posted by eagle:
I know the word. "Labourious"
I think you are too kindHe is labouriously starting topics like these I agree
The word I have in mind is L _ _ _ R
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Originally posted by elindra:
I think you are too kindHe is labouriously starting topics like these I agree
The word I have in mind is L _ _ _ R
LOVER
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Originally posted by eagle:
LOVER
-_-"LOSER more like it
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Originally posted by bryanw:
dont evade your taxes lao ying. lol
I'm looking to invest in the sti etf (also can use CPF de) when the index drops lower, and other sources of passive income... All these are non-taxable
But I will still play very safe, rather earning less or losing to inflation then losing the capital sum. Me is very very risk averse one.
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Originally posted by elindra:
-_-"LOSER more like it
LAMER also can
Aiyah, you also know I purposely one
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ts haven found gf yet so maybe he thinks this way. maybe when he found his love he will think differently spend on his love.
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Originally posted by eagle:
LAMER also can
Aiyah, you also know I purposely one
Yeah I know but maybe you have the hots for TS that is why you typed 'Lover'