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!
My Spending Review of 2019
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.
Let’s Get Personal (Financially)
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.