I remember crying in the public when my partner said “Just save your money lah!” as he didn’t understand how did I not have any savings despite the fact that I’m earning more than him. I didn’t actually blame him for that, I was questioning myself as well. Still, I was sobbing so hard…
So I knew when I reviewed my 2019 spending that I have to take control of my financial life. I barely have savings and yet going through my spending, I realised I’ve made many unnecessary purchases that came from pure impulse buying. This has to change. So here I am, embarking on a full NO BUY YEAR journey!
I’ve no idea where my money goes. Even after following the prime financial advice of budgeting each month for few long months, I still ended up broke and going beyond my budget. Exhausted and defeated – in June 2019, I decided to go into the root of it all. I forgo budgeting to track my finances, both my income and expenses. I wanted to see what actually happen to my ringgit each month, so for the past 7 months, I’ve been living as usual with my regular income and spending without much restrictions on myself. Here’s the result.
If you’re looking for a Malaysian millennial who is struggling to get her financial life in order, working a 9 – 6 job, living paycheck to paycheck with minimum to none savings each month, doesn’t even have sufficient emergency fund in her bank accounts, reads a lot of financial advice but can’t seem to implement them in her life and deep down wants to improve her financial state – you come to the right place. Welcome. Let’s figuringgitout with me.