Tips to Save Money

With the increase in petrol (and other) prices, here's my take on how I can save some money:-

• Stop snacking
• Stop the in-between meals ('minum pagi' or afternoon tea or supper)
• Take public transportation
• Learn to say 'no' when the kids ask for new toys
• Buy during 'sale' periods (for clothing items especially)
• Be a smart and informed buyer- buy only what's needed, and not on emotion/ impulse
• Think longer before committing to any loyalty/ membership/ credit card of any kind (even the ones that are giving away free automobiles- seriously, what are the chances of me driving away with a beamer?)
• Finish off all existing debts & don't take on new ones
• Leave the kids at home whenever I go to the minimarket
• Eat first before going out to shop (this one's from Azizi Ali, the millionaire next door)
• Leave home early morning and come home from work on time- no jam, less petrol used
• Take limited cash when going out (or shall I stop going out altogether?)
• Bring food from home (and avoid the MSG-enriched cafe food as well)
• Put away some money first before spending the rest of my pay; live frugally

I'm adding a new resolution to this year's list- "to increase my net worth". Today is the first day of the rest of my life!