I tell you, start now or regret later.
It's not that I "kiasu" or "kiasi" but I have to admit that I am actually that kind of person that would feel insecure when I have no money on hand. I can't imagine my life with maggie mee for N continuous days at the end of the month! no way!
As a fresh graduate with degree (without any experience), the salary I got is very limited, it does not allow me to spend like nobody else business. I have to plan wisely everytime after getting my salary(which is a very sad case).
So I do seriously and actually think of many ways to save money.
Here are the ways I am using to save money:
1. First, divide your monthly income into two or three portions(ok la since I have no money to invest yet, I divided it into two portions, one to save and one to use).
Forced yourself to save a fixed amount every month, either to bank or to some kind of unit trusts.
Remember, spend = income - saving, not saving = income - spend, easy peasy.
2. Set your own piggy bank at home and feed it everyday!
I used to have one piggy bank when I was a kid. I can't remember how it looks like but whenever I have leftover from my pocket money(which is ten cents or twenty cents mostly, you know la ten years ago 20 cents could buy a bowl of mee), I will throw it into my piggy bank.
Day by day, I actually able to save few hundreds which is a lot for a primary school kid.
And now I have one at home too. Item below was actually a cookie jar, I DIY-ed it to become my small little piggy bank without wasting extra money to buy it(another way of saving money).
Can't wait to reach the day that I can take it and save into the bank, hehe
I was once an impulse buyer, I love to buy clothes, accessories or whichever that falls into my eyes. But at the end of the day, it will either be putting aside or I never really remembered the existence of it! haha.
4. Set a target. For example, I will save xxx amount of money to buy a car. When you reach the amount, just use it to buy a car. Believe me, you will feel very motivated by then.
Remember, save it or regret later, that's all.