Ways I Do (And Tried but Failed) to Fill Up My Emergency Fund

Posted on by Figuringgitout

Since I’ve announced to the entire world that I aim to save my first RM15k as an emergency fund, let me be transparent all the way lah regarding the current status of my emergency fund goal. And here’s my first update, tadaaaa~

As at 30/04/2020. Android App – Savings Goal.

RM8k say whaaat? Yeay!! To see that I’ve managed to put aside RM8,101.00 in 4 months, haaa it feels surreal! Because I still remember few months back thinking that there’s no way I could ever save such amount of money. Heck, I even feel impossible now to save the balance RM6,899.00. But the figure speaks for itself, I did it! And I will do it more.

[Update: Yes I did more! The Day I Saved My First RM10,000]

If there’s anyone like me here who’s just starting out and feels the way I feel now, hang in there. We can do this. I would love to share the practical ways that have worked for me so far, and also some ways that I’ve tried but just didn’t work.

Ways to save money that work for me

1. The cliche but oh-so-true pay yourself first

Before this, everytime I read a financial article recommending me to pay myself first, I’d sigh “Ahh not this one again“. But it’s true though. Very true. So now as cliche as it sounds, once I get my salary, I’ll put aside a portion of money for emergency fund the same way I allocate money for other expenses.

I admit it’s easier said than done. My initial efforts to apply this failed miserably because I tend to use or take out the money halfway for some hanky panky purposes. What started as a hopeful month tumbled into a downward spiral of self frustration and regret.

Now I think I’ve figured it out. Here’s the methods that I adopt to stop myself from touching those savings.

  • First, have a proper budget plan so you know what your expenses throughout the month are.
  • Secondly, be realistic with the amount that you want to save. So as not to discourage myself month after month, I no longer set aside a huge sum too early in the month. I only save a portion that I think is reasonable so I can stick to it.
  • Thirdly and finally, don’t forget to set aside some fun money too so you’re not inclined to touch your savings.

It’s not easy, but it’s possible. Trust me.

2. 52-week savings challenge

It is apparent that I lack artistic skills.

So I made a list of the amount of money to save every week for 2020; the lowest sum being RM2 which keeps increasing by RM2 every week until it comes up to RM104 by the 52nd week. Instead of following the standard challenge to save by week in sequence, I save according to my means on that particular week. For example, if I have extra money this week, I’d save more. If I spend too much, perhaps for any activity of the week, I’d save less.

It has personally became a fun weekly routine for me. This challenge works great in combination with my methods of paying myself first because this way, I’m being realistic with my expenses and savings. I can constantly assess my money state and save some. No more self disappointment in the middle of the month. Instead, dopamine gets released each time I highlight the weekly sum saved. Win win.

3. No buy challenge

If there’s one way that really skyrockets my savings progress – it’s my no buy year journey. Like seriously. It cuts a lot of unnecessary expenses and most importantly, I no longer dig into my savings just to shop.

Please give no buy challenge a try. Perhaps you can’t commit for a whole year, so try it for a month. Or a week. Whatever works for you. I promise you can see the difference, especially if you’re a shopaholic. Extra money every month, who don’t want that? Ka-ching!

4. Put aside work claims and bonuses

If your line of work involves travelling, outstation or site work, pretty sure you’ll have weekly or monthly work claims. This is a precious way to save money for me – I don’t touch my claims money (started this year lah, all this while I spent kaw kaw)!

Most times, I would get repaid more than my actual expenses due to a higher milleage rate and allowance for interstate business trips. Usually, around RM150+ per month and during the good times (which are also tiring because that means I travel more), I can get up to RM700+. All into savings!

Well as for bonus, it is a bonus. Especially if you manage to get one this year, be super grateful – money falling from sky! It’s nice to get ourselves gifts and treat others with it but don’t forget to save some for rainy days.

Ways to save money that don’t work for me

1. Save the green notes

It’s simple, put aside RM5 everytime you get it. I did this before but I don’t fancy it. Granted, I did get to save money. In fact, I managed to use the RM5 saved last year (in total around RM500 over a year or less) as duit raya and raya related expenses.

But oh man, the headache and the mini anxiety I got every time I was on cash transactions with the cashiers. Please don’t give me five ringgit, please no five ringgit. That’s the internal prayer I had throughout the year. Not fun! So I’m ditching this for good.

But perhaps, this may work for you. Depends. Also, it’s not just RM5. It can be RM1 or RM10 or RM20 or even coins, no problem.

2. Daily saving challenge

Same as above, too much headache. I had to think about it every day, some days I missed which caused distress. Some days especially near salary time, I just couldn’t save. Naturally after awhile, I gave up. Hard to keep track every day, I prefer the weekly saving challenge.

The bottom line is…

Find what works (and what don’t) for you. There are so many practical ways and tips out there, we just have to find out what works for us. Personally, I realised that I don’t like any rigid and tedious plans to save money. I don’t want to think about it every single day. So I apply what works for me which mostly don’t feel much like a chore.

Here are some articles on ways and tips to save money:

Truth is it can be intimidating to take the first step in building our emergency fund. I’ve to remind myself so many times to not be discouraged seeing other people’s milestones, to just follow my own pace. So that’s what I’m doing. One step at a time to figuringgitout.

417 thoughts on “Ways I Do (And Tried but Failed) to Fill Up My Emergency Fund”

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  283. Thanks for your write-up. I also think laptop computers have gotten more and more popular nowadays, and now tend to be the only kind of computer employed in a household. It is because at the same time that they are becoming more and more economical, their processing power keeps growing to the point where there’re as effective as personal computers through just a few in years past.

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  292. Another thing is that when evaluating a good on-line electronics store, look for online shops that are continually updated, keeping up-to-date with the hottest products, the most effective deals, as well as helpful information on products. This will ensure you are dealing with a shop that really stays over the competition and gives you what you should need to make knowledgeable, well-informed electronics buys. Thanks for the vital tips I’ve learned through your blog.

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  299. Thanks for the helpful posting. It is also my opinion that mesothelioma has an particularly long latency interval, which means that signs and symptoms of the disease may well not emerge right until 30 to 50 years after the original exposure to mesothelioma. Pleural mesothelioma, that is the most common style and has an effect on the area round the lungs, may cause shortness of breath, upper body pains, and also a persistent cough, which may cause coughing up bloodstream.

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  308. I’ve learned a number of important things by means of your post. I’d personally also like to express that there may be situation in which you will obtain a loan and never need a co-signer such as a Federal Student Aid Loan. When you are getting that loan through a classic bank then you need to be made ready to have a co-signer ready to assist you. The lenders will probably base their decision on a few issues but the biggest will be your credit standing. There are some loan providers that will additionally look at your job history and determine based on that but in many instances it will depend on your report.

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  312. Thanks for giving your ideas. Another thing is that college students have a choice between federal government student loan plus a private education loan where it is easier to opt for student loan consolidation than with the federal education loan.

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  313. Thanks for the thoughts you are discussing on this blog site. Another thing I want to say is the fact that getting hold of copies of your credit rating in order to examine accuracy of the detail will be the first motion you have to undertake in credit restoration. You are looking to thoroughly clean your credit reports from damaging details faults that ruin your credit score.

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  315. Great post here. One thing I would like to say is that most professional domains consider the Bachelors Degree like thejust like the entry level standard for an online education. When Associate Diplomas are a great way to get started on, completing your current Bachelors reveals many good opportunities to various professions, there are numerous online Bachelor Diploma Programs available via institutions like The University of Phoenix, Intercontinental University Online and Kaplan. Another thing is that many brick and mortar institutions give Online variations of their degree programs but usually for a substantially higher fee than the firms that specialize in online diploma plans.

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  321. It’s my opinion that a property foreclosures can have a important effect on the borrower’s life. House foreclosures can have a Six to decade negative affect on a client’s credit report. A new borrower who has applied for a home loan or virtually any loans for example, knows that the particular worse credit rating can be, the more hard it is to secure a decent personal loan. In addition, it may possibly affect a borrower’s ability to find a quality place to lease or rent, if that will become the alternative property solution. Great blog post.

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  324. I will also like to mention that most individuals that find themselves without health insurance are typically students, self-employed and those that are out of work. More than half from the uninsured are under the age of Thirty-five. They do not experience they are looking for health insurance simply because they’re young as well as healthy. Their particular income is frequently spent on real estate, food, along with entertainment. A lot of people that do go to work either whole or not professional are not offered insurance via their jobs so they proceed without with the rising valuation on health insurance in america. Thanks for the thoughts you share through this website.

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  326. Thanks a lot for the helpful post. It is also my belief that mesothelioma has an particularly long latency time period, which means that symptoms of the disease may well not emerge until finally 30 to 50 years after the first exposure to asbestos fiber. Pleural mesothelioma, that’s the most common type and impacts the area round the lungs, could cause shortness of breath, chest muscles pains, and a persistent coughing, which may cause coughing up blood.

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  337. Some tips i have continually told individuals is that while searching for a good online electronics retail outlet, there are a few issues that you have to consider. First and foremost, you would like to make sure to locate a reputable and also reliable shop that has picked up great testimonials and classification from other consumers and market sector advisors. This will make certain you are getting along with a well-known store that gives good program and aid to its patrons. Thank you for sharing your thinking on this website.

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  344. It is indeed my belief that mesothelioma will be the most fatal cancer. It contains unusual qualities. The more I actually look at it the greater I am assured it does not act like a real solid flesh cancer. If perhaps mesothelioma is a rogue virus-like infection, therefore there is the potential for developing a vaccine in addition to offering vaccination to asbestos exposed people who are open to high risk associated with developing potential asbestos connected malignancies. Thanks for expressing your ideas about this important health issue.

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  354. According to my observation, after a foreclosed home is marketed at a bidding, it is common for any borrower to still have some sort ofthat remaining balance on the personal loan. There are many financial institutions who seek to have all rates and liens cleared by the following buyer. Nevertheless, depending on selected programs, polices, and state laws there may be many loans which are not easily settled through the shift of loans. Therefore, the responsibility still falls on the customer that has acquired his or her property in foreclosure. Thank you sharing your thinking on this site.

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  355. Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.

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  376. Thanks for your beneficial post. Through the years, I have been able to understand that the actual symptoms of mesothelioma are caused by the actual build up of fluid between lining in the lung and the chest cavity. The illness may start in the chest place and pass on to other body parts. Other symptoms of pleural mesothelioma include fat loss, severe breathing trouble, nausea, difficulty swallowing, and bloating of the face and neck areas. It must be noted that some people with the disease don’t experience every serious indicators at all.

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  378. I have noticed that of all types of insurance, health insurance is the most questionable because of the clash between the insurance policies company’s duty to remain making money and the buyer’s need to have insurance coverage. Insurance companies’ profits on health and fitness plans are very low, therefore some firms struggle to generate income. Thanks for the tips you share through this site.

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