Spending too little, or too much?

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Here is an article (which I literally copied) that is worth a thought, for me and those who might want to learn being financially independent or whatsoever. Anyway, thank you to The Sun newspaper, and to the column writer of course :)

1. You take advantage of freebies.

Who doesn't love free stuff? Nobody, that's who. Whenever you feel the need for coffee, you think about that premium latte you can't live without. But you can't be spending RM10 on coffee, everyday, can you? So you go to the office pantry and drink packets of those premixed coffee. This happens every time you feel the urge to spend on a pricey cup of coffee.

The result? Diarrhoea. Migraines, Insomnia. In short, your health pays for the benefit of 'free' or very cheap coffee. That's the problem with most of us. We think that free stuff is awesome. Initially, yes. But in long term? Not so much.

 
2. Treat your expenditure like an investment.

Would you invest in a home at a non-strategic location or a lousy stock just because it's cheap? No, you would have crappy returns. It's best to think of quality rather than being satisfied with a 'good bargain'.

 
3. Speaking of bargains.

Maybe you've stumbled across crazy cheap deals during your obsessive searches online, and one of your worst purchases happened to be this set of DIY bookshelves.The set looked awesome in the picture, and fitted so well into your bedroom. It was so cheap you bought it without second thought! You were saving so much money compared to buying one from a furniture store.

So, the shelves come in. They were pretty easy to assemble - and just as easy to break. In the end, you didn't use them at all. You bought them just because they were cheap, not because you needed them.

 
4. You're lazy.

You aren't making the most out of the goods and services you pay for each month.  Your health card gives you free general check-ups every year, but you think it's a hassle to go. You have a tonne of excuses for why you still haven't checked online comparison portals to see if your credit card is the one for you - just because doing online research seems so tedious.

You'd have come up with better solutions to your financial woes if you'd only stepped out of your comfort zone sooner rather than later.

 
5. Change now (!!!)

If you exhibit signs of being a penny-wise, pound-foolish kind of person, here are few tips to help you through this challenging process of your life:

- unlearn your false saving habits. think long term.
- consider quality over cheap replaceable goods.
- persist! just because you don't have debts or you aren't having financial trouble, it doesn't mean you must make careless decisions. 

fist-pump-baby.jpg (476×314)
yeahh, we can do it!

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