I never thought I would hack my way to months of food items for free. It was unthinkable before this. No, I did not raid the soup kitchen. Like everyone, I get excited over credit card sign-up offers and optimizing my spending. However, credit card gifts tend to be lifestyle-oriented … Read more
Despite my effort to reduce spending, I find myself running in a purchase cycle that is built upon lifestyle, environment, social expectations, peer pressure, and marketing outreach. And the default setting is, sadly, an unending loop. Do I buy what I need and not what I want, or buy things … Read more
Think about the last time you score a financial win. What was the key that made it possible? Was it a sale, a clearance? A downgrade of your standard? Or your perspective shifted?
For the longest time, I had to choose between a cup of RM13 artisan coffee or an … Read more