After my previous post on Singaporean adults,
I mentioned how earned and spent
and my chief clerk was complaining so much
on u earn n spend n spend - meaningless...

and I also mentioned how ppl dun save
cos in my unit, I discovered ppl dun save
they normally spend all their army allowance
and sufferring when its towards the end of the mth...

I shall share wat I've learnt
this is applicable to both adults and army ppl...
esp adults...
cos I heard tis advice on a Newsradio 93.8 programme

of 100% of the money you earn,

50% - Daily Spendings
20-25% - Savings
25-30% - Investments

ppl may think tis is impossible
but if u curb ur spendings, tis is possible
but it depends wat kind of lifestyle u wan
i always think spend within ur means
not everything...

some ppl find this nagging blah blah blah...

A: Wat lau...you think so easy meh?

Me: ok wat... it depends how u wan to save

A: Cos u bloody nerd, always stay at home wat

Me: If u dun ve so much money, then dun go out so often wat

A: Cos u are boring n lead a boring lifestyle

Me: I still go out k...juz not as frequent as u...but if u think tat is boring, then serve u rite for having no money lor

A: Fuck lah...

Me: Really wat...if u dun ve tat much money, u ve to curb urself. either in one way or another...or u will suffer in e future lor

A: dun nag lah...

Me: I am not nagging...u may try to act macho and continue ur lifestyle. but in e future, u will ve some financial difficulties lor

I ve frens whu ve a bit of financial difficulty but still like to gamble
occasionally they win money
but I dun know how frequent tat is
in my opinion, overall, they lost...

I am not rich hor...
still saving too...
dun some borrow money frm me hor...
haha...