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12.12.2011 | 錢財管理

[#1273] 唔記得由幾時開始, 我有個習慣就係將每日嘅使用, 一分一毫清楚記低.. 應該係某次驚覺自己手上嘅銀紙好似離奇唔見幾張之後, 我仲懷疑有賊, 哈哈!! 原來真係自己大洗, 一張張銀紙用得快到連自己都唔察覺, 非常恐怖!! 其實養成呢個習慣之後, 雖然唔會幫我慳家好多, 而且好多次都超支, 不過至少(有時候)都會有啲警惕自己嘅作用..

尤其依家零收入負支出嘅我, 就更加應該適當管財, 所以搞到有時都覺得自己好慳妹, 呵呵!! 譬如話每個月一百蚊嘅交通月費, 我更加係用到盡, 開始十日度就可以翻本, 一個月可以用上二百五咁多囉!! 真係好抵~~ :D
[#1273] can't remember since when i have a habit to record all my daily expenses into a spreadsheet, precise to single sen level.. it should be the decision made after i realised the notes on hand seems to have missing by a few pieces mystically, till i thought they were stolen.. but the fact is that, many times we just didn't realise how much we have spent and how fast the notes are given away from our hands - yes, it's that scary!! though this good habit didn't help me to save a fortune, in fact there are many times that i've overspent, at least those numbers (sometimes) really kind of alert me..

especially when i have no income and all expenses now, i definitely need to be more financially managed, till i sometimes think myself being a little too miserly, haha!! for instance the RM100 transport pass i pay monthly, i make sure i make the most use of it, as a result i got my ROI like just after 10 days, and within a month i may use up to RM250 in value, haha!! isn't that just too worth to pay for?? :D
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52 comments:

  1. lol - to make fully use of the monthly passes, dont you incur more resource (time?). a while back i was buying so many groupons, thinking i was 'saving' but in the end spent more a month.

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  2. It's a good habit to always monitor and reflect. It keeps us grounded, so that it's not too late to turn back :D

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  3. 那你已经是个精明的消费人啦!我这几年也开始用脑和学习杀价了,真的会省很多冤枉钱啊!

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  4. Those days I used to write down cos money was very tight then... nowadays very lazy liow.. but i make sure that I do not have bank overdraft! hahaha..

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  5. It's a good exercise! Keep it up!

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  6. I am opposite la! If someone steal my note from my wallet, I guess I won't able to notice also.

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  7. You are not kedekut, you are just jimat cermat. Keep it up.

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  8. You can be a millionaire 10 or 20 years from now. Congrats!

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  9. Good for you to itemise the money spent. At least know where to budget or cut back when need

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  10. 錢財管理系我既弱項 :(

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  11. Transport pass? 你有冇駕車架?

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  12. 我有個影相既朋友都唔駕車。系唔系trend咧?

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  13. Thought that was your fat bank account statement wow fatt tatt loh haha.

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  14. 'Tai toll lan' pay RM100 transport over travelled by RM250. Good ROI haha. They didn't capture the amount that you used so no need to top up?

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  15. Never record daily expenses as I know there would not be much damage from my daily RM4.5 brunch of buffet economical rice, dinners quite simple, hardly spent on movies or shopping. Other expenses like petrol, touch n go, maintenance & repair etc would 'loke' card so as to have the expenses captured in the monthly statement.

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  16. 讲真的,很少男人可以做到这样,
    不懂男的会计师会不会这样记录。
    不要男的,女人都很少作记录,
    但是这是一个很好的习惯,
    其实应该从小开始养成。
    从前我的皮包里面有多少,
    一直都是一清二楚的。
    现在是因为根本不想花钱,
    结果搞到有时出门忘记看钱包....
    呃....单独出门的时候还是要看清楚比较好
    你可以教大家怎么理财咯!

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  17. Wahh use so much on public transport!! Really worth the pass.. but make sure no one from the government reads this or they might consider increasing the monthly pass price :P

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  18. Always wise to be careful with money. I wouldn't say - spend wisely... Instead, I would say - don't spend. More often than not, we spend quite unnecessarily on things we can do or can get by without.

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  19. I did that spreadsheet thing, many many years ago.... for a few times. Then I got bored and no patience.

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  20. Salute your determination, even keep it to sen level. I simply agak-agak and put a round figure in the columns.

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  21. Nowadays so lazy to keep track of my spending.... just put a side of my income for saving, bills and liabilities. The rest is for monthly expenses. If got extra, it will goes for my 'leisure', hahaha!

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  22. Normally hardly left any for leisure :(

    On the positive side, no borrowing or get personal loan from bank or ah long yet. Still surviving well on my humble salary.

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  23. That monthly LRT card really works for you. It's savings big time for regular users. For people who don't use up the amount, I believe it's more of a convenience and time-saving.

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  24. Keeping track of daily expenses is a great way to know where the money goes. It takes diligence though. Good for you, SK!

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  25. till now i still have financial problem, so i totally understand...

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  26. I so calculative one, every single cent spend during the day had to be balanced out at the end of the day. A habit I cultivated when both Zaini and I were saving money to get married. xD

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  27. And so bad of me, if a big amount is unaccounted for, say RM50; I'd ask hubby whether he borrowed my money or not. Aiya!

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  28. I have a spreadsheet for daily spending, one for credit cards and one for all the 0% balance transfers that I did, in effort to gain a bit of interest in ASB by transferring the credit cards spending to some 0% balance transfer account and the cash that I am supposed to use to pay for the expenses into ASB.

    Like so free one! LOL

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  29. But I think nowadays, I can easily get bankrupt. Too much spending on entering races and buying running gears! huhuhu

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  30. Haha I also have the same habit... but sometimes suddenly got too lazy to keep track of it and then lost track d :(

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  31. I dun have the habbit until I realize my purse macam bocor . . . so I will start thinking what the hell did I spend on . . .

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  32. Practically some meal which is cost like a bomb wont easy to realize one . . .

    I will tell u what is the most costy and not nice to eat.

    Indian mamak stall fried chicken, which will charge you until RM 5++ per pcs and sometimes it is fried on Morning when you eat it on Evening, totally potong stim and prepare to lao sai on tomorrow morning! lol

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  33. Now for me sometimes I go to buy 2 pcs of 70cent bread and drink I packet of milk . . . which is replace my morning breakfast and my lunch . . .

    sometimes you buy things from 7-11 will be so dam costy. Imagine one packet of Dutch Lady Chocolate will be cost RM 1.80 and you buy from Petrolstation Kiosk will be RM 1.60 . . . dam kao potong stim I tell you . . .

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  34. I am not a stingy person la, is just that if you buy everything from 7-11 in one month, it will bomb you like hell! Imagine everyday you buy RM 1.70 from them . . . It will be

    1.70 x 30 days = RM 51

    if you buy cheaper like RM 1.40

    1.40 x 30 days = RM 42

    so count and see la lol XD

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  35. Hooray! wow It's been awhile .. it is so nice to be here in your blog again.

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  36. Errr.. I am really not good at this SK... even though I used to jot down all my expenses in a week, I will still end up ruining my budget list sigh

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  37. Same here... even though I keep on reminding my siblings to spend their money wisely, it was such a shame for me that their older brother can't handle his finances either haha

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  38. Yay! I'm really happy to be back here... I miss spamming your blog buddy... anyway, have a great day to you and happy blogging

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  39. LOL we seem to have the same problem! I count my money and almost always, what's left in my wallet is severely short and I can"t trace where it had gone wakakakakaa
    +Ant+

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  40. I don't understand the last part with the ROI and transport pass? Kind to enlighten this aunty over here?

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  41. Hmmm... sometimes my expenses are bigger than my income and I get stressed out when that happens hahaha

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  42. that's a good habit! i dont spend much and i'd always keep some money for my travelling. haha!

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  43. 你咁知慳识俭,钱滚钱,财生财,大有资格做当家囉!呵呵呵~~~

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  44. You have a good habit there! I also note down my expenses and categorize them as Priority 1,2,3 and 4 haha!

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  45. Despite that, I still find myself spending too much! It's tough to control my spending!

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  46. But actually it's good to spend cos when you spend money, it creates a void whereby money will come to you! Haha!!

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  47. If you are too stingy, you will block the natural flow of money. Then you find that you are getting poorer and poorer LOL!

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  48. whoops! i have never note down my daily expenses. >.< altho my parents asked me to do so when am still little. ahaha

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  49. haha its scary to see that u always overspent that what u have budgeted. i rather not to know it. lol!

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  50. I dont know how to describe you!!!

    You are not only do things 100% perfect and also have a very very strong disciplined!

    Cool!

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  51. (how you manage your time to do a lot time at one day? maybe u can share in next post or future with us) so, i can learn some great things from you.

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  52. 唔係個個人都有理財能力,keep it繼續,唔好放棄。

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