Why Most Singaporeans Are in Debt
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To each his own. When you have more & can afford to pamper yourself a bit, just do it since it's not an everyday affair. Life is short so don't live with regrets for the things which you wanted or could have done. Not sure about the rest but I find that I tend to 'overspend' on my child & scrimp on myself. $50 for my child is alright if I feel that the item will be useful to her but the same amount for myself needs some re-thinking sometimes. Guess that's the transition once you become a mother. Strangely, it comes naturally & unconditionally :oops:
Most of you are spot-on. Making your own food eg sandwich/breakfast at home is both economical & healthier. It's quite outrageous when the confectionery sells wholemeal sandwich (ham/cheese) at $1.80. For that price, you can buy a whole loaf of wholemeal bread which lasts you a few days for a small family. Eating out daily for 3 meals can be quite costly
Of course, if you have no time to cook, then no choice :slapshead: -
Mychildren:
So envious – I would love to eat 3 bowls of rice too! The way I see my nephew eat…. I am sooooo jealous! He just gets taller, never fatter! If I eat like him, I would not fit into any of my clothes soon!jedamum,
Do take care of yourself too else u might be next. Yes, thank God, CA2 over. My elder one p4 going camp today. Can't disclose the school & venue of camp if not some will know who I am. Kekeke
Imami,
U don't need to console yourself. You're doing a good job as a working mum. This year, I spent more on food cause they're growing up & eating more. My elder one can go for 3 bowls of rice, his metabolism high.
Clothes neither do I go for branded ones, but comfortable & not easily out of shape type cause I dump all into washing machine. Ocassionally, maybe once or twice a year, a few dresses during sales to keep for special occasion & chinese new year.
Most of my children clothings are 2nd hands one. Don't know why a lot of people want to pass theirs to my children. Kekeke. But this year, I need to start buying for my boys only, no more people passing me boys' clothing. Maybe their kids growing in slower rate or they smart enough to buy bigger size ones.
Ya, I heard white fungus has the same effect as bird nest & much cheaper. U can find out on this area as it'll definitely reduce your expenditure on bird nest. Kekeke, bird nest sellers will hate me after this. :evil:
My little one used to wear hand me downs too. Some are really still in excellent condition. But these days, I dont seem to receive hand me downs already, boh pian – gotta buy.
The white fungus are for desserts. The bird nests, I can only pay and eat. Got no say over stopping it – my mum prepares that for us and she insists it is what that stops my child and me from chronic cough (I was perpetually coughing for a few years before childbirth). Ya boi, with her regular bowls of the birdnest, we hardly cough these days. -
Funz:
Just had the impression that you were criticising your colleagues' choice. My bad. :imsorry:
I am only trying to give some examples on how one can save without much pain. Many people fail to see how those little here, little there can amount to big sums.Imami:
[quote=\"Funz]
While we should be not spending like there is no tomorrow, I think to spend a couple of dollars on coffee and fruits is acceptable, especially if you are not in dire straits lah. If you are nose deep in depts and trying to make ends meet then yah, should not even be eating out for lunch.
Everyone have areas where they are willing to spend a bit more on and other areas where they will stinge on. Your yardstick and theirs may be different.
For me I will not stinge on food but I do not see the need for the latest fastest coolest gadgets. DH is the other way around. He refuses to buy drinks for the kids at the foodcourt saying it is expensive but he buys them tons of toys. When my kids ask for books, I will not hesitate to get them, but DH does not think it worth it to spend money on books. But he will not hesitate to get them branded sports shoes which I think is a waste of money as the children outgrow them so fast.
The main thing is spending within your means. Give yourself some leeway for some luxuries so long as it does not put you into debts. There is no shame in that.
I agree that little things do add up.
Just like I buy housebrand toilet & tissue paper or whatever is on offer now instead of scotts or kleenex. Houseproud floor tissue instead of magic clean and on the way back to good ole broom.[/quote][/quote][/quote]
don’t worry, I only felt ‘lectured upon’ for 1 min
I understand how you interpreted when you read my post. I don’t know how to do it better than to give some real life examples.
talking about housebrands, I like NTUC’s deluxe toilet roll. Cheap and good – only $4. When they are on promo, only $7++ for 2 packs. Have a go, it’s not bad!
for floor tissue – houseproud is almost the same as magic clean? I tried those from daiso/value dollar shop, but still prefer magic clean. -
FairyPenguin:
you are normal la :hugs: I am quite sure most of us (if not all of us) are like that – we are very generous with our children but stingy to ourselves.To each his own. When you have more & can afford to pamper yourself a bit, just do it since it's not an everyday affair. Life is short so don't live with regrets for the things which you wanted or could have done. Not sure about the rest but I find that I tend to 'overspend' on my child & scrimp on myself. $50 for my child is alright if I feel that the item will be useful to her but the same amount for myself needs some re-thinking sometimes. Guess that's the transition once you become a mother. Strangely, it comes naturally & unconditionally :oops:
Most of you are spot-on. Making your own food eg sandwich/breakfast at home is both economical & healthier. It's quite outrageous when the confectionery sells wholemeal sandwich (ham/cheese) at $1.80. For that price, you can buy a whole loaf of wholemeal bread which lasts you a few days for a small family. Eating out daily for 3 meals can be quite costly Of course, if you have no time to cook, then no choice :slapshead: -
Talking about NTUC, actually their housebrands have improved in quality. Apart from household products, you can try their chicken nuggets & taiwan sausage (normal/spicy). Both are quite tasty & the price is also reasonable
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I only buy NTUC house brand for non food items like toilet paper, tissue, detergent etc food maybe only cooking oil. Not all NTUC carry the same type brand. I like the one in Bukit Timah, more fish variety and organic veg.
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