IS YOUR SPENDING NORMAL ?

Did you know ?

• You can save RM365,800 over a lifetime by bringing your lunch to work in a brown paper bag
• People spend 12%-18% more when using credit cards than using cash
• You can expect to earn approximately RM81,700 more per year with a Bachelor Degree than just a high school diploma

Your spending is not NORMAL if ...

• You frequently find yourself over the price range buys, only to dwell in remorse and regret later on
• Every new year, your resolution always states "save more money", but it NEVER happens !
• Your lunch breaks are often spent on secret shopping sprees
• You're always using another credit card to pay the minimum amount for various credit cards
• Your pay magically disappear unconsciously because of your addiction to online shopping
• You're broke every last week of the month and end up having to eat bread
• You say 'I NEED that' instead of 'I WANT that' and you end up buying in unnecessary buy again !

If your subconscious is hinting that at least 3 of the above describe about you, then your spending is NOT normal.

How to be Normal ?
Pay your bills on time, minimise eating lunch outside, reduce unnecessary subscriptions, save electricity, cook at home, plan your budget, the list goes on.... If all else fails, find a financial controller !

Remember every cent counts. Start saving in a piggy bank, or save RM5 per day adds up to RM150 a month, RM1,800 a year.

Source : OwnTheDollar.com: The Top Fifteen Personal Finance