I need to build a cash reserve first. Until I have enough reserve, I should not spend unnecessarily. I need to have RM1,500 in cashflow with an extra RM1,500 from Munek going to EPF and ASB. In addition, I need to find an additional RM500 for ASB.
Either I save RM1,500 or I save RM2,000 from the extra Munek gives me.
Looks like I am better off spending on new glasses.
Let's not spend unnecessarily. Clearly, the Phiten necklace is unnecessary. So are the glasses.
Just spend on the probiotic, ACV, Dark Chocolate, and moringa.
If I save RM2,000 a year, in 10 years that will be RM20 k.
I need to be smart. Only spend when it is necessary. I invest in a healthy body.
No need to spend on nonessentials.
From now on perfume is Adidas Dive and Swiss Army Altitude. The rest is a waste of money.
I had decided that my indulgences are my watches. I need to set aside the provision for batteries.
Every 3 years, I need to spend on running shoes.
The aim for this year is to have:
- RM2,000 in EPF and ASB
- RM1,000 Cash
- Dental Work - RM350
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