HOW TO SAVE MONEY

Im now reading Flowerpod forum on How To Save Money. some of the methods i've tried before, like:

• Saving up coins (Yes it works! Use your notes to buy things like drinks etc. & save up the $1, remaining coins like 20cents, 50cents all can be used as loose change)

• Give your byfriend your ATM card, or lock it up yourself. (Well, it did work... for a period of time before I started demanding my ATM card back. i just dont feel secure without it. but now i dont bring ATM cards to school alrd!)

• Cut down on cabfare, take the bus/mrt. (Yup it worked too.. im saving quite abit by cutting down on cabfares! esp now since corey and my friends all have own transport, it makes things easier too)

• Writing down what you spend on daily. (Ok i tried this for afew weeks, and then i got lazy to continue writing... but maybe those with smartphones can try? typing is afterall easier than writing)

• Going home for dinner (Yup when im not going out, i will have my dinner at home! even when working. i will eat dinner at home first before i go to work)

• Bring your own water (Yuppppp brought water bottle to school and to work. can save like $2/day!)

Some other interesting methods that everyone can try out....

• Rent DVDs instead of watching movie (can save up to $5-$6) [Depends la sometimes need to go cinema and watch and mingle around!]

• Put aside a fixed amount per month into another bank account & do not touch it. (best is with no ATM card) (maybe standard chartered?)

• Restrict yourself to buy only one new clothing per month.

• Do shopping mostly when on sales (ok.. but sometimes sales item not rrly nice & it's horribly crowded)

• Read magazines at Kiokuniya or Borders

• Cancel your ibanking or internet account so cannot shop online. (wicked! not sure if i have the courage to do it...)

• DON'T BUY THINGS ON IMPULSE

There... now im all gear up to start saving money! anw, just asking around if anyone signed up for savings plan at Prudential? Im thinking of signing up cus the interest rate sounds attractive BUT im not sure if i can give a fix amount every month at the rate im spending.

P.S im so glad i got a day job now. no more bumming around at home during the day! i dont really understand how can some people not work and just laze around whole day at home and not do anything? and it's not just A day, it's like for weeks or months! gosh.. when im having my holidays and not working, i have insomnia. serious, cus i am so BORED til i can't sleep.