Ubah Gaya Hidup

(Image Google) It is not tough to keep track on how you spend your income by having a budget and see if you can reduce non essentials expenses to save money. Check out some of these great tips from Better Money Habits :- 1 Record your expenses The first step to start saving money is to figure out how much you spend. Keep track of all your expenses—that means every coffee, household item and cash tip. Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Use your credit card and bank statements to make sure you’re accurate—and don’t forget any. Tip: Look for a free spending tracker to help you get started. Choosing a digital program or app can help automate some of this work. Bank of America clients can use the Spending & Budgeting tool, which automatically categorizes your transactions for easier budgeting in the mobile app or online  2 Budget for savings Once you have an idea of what y

(There are many cheap, affordable but quality food stuff available on the market these days. Image source: http://www.blinman.com ) One good way to reduce food cost is by making sure that we only buy what we really need. One good way to do this is to have a grocery list and making sure that we browse through the many brand and produce source to get the best but the cheapest item (one good source is buying Tesco brand items and purchase direct from the wet markets) Another way of reducing food cost is by growing our vegetables - among the vegetables that are easy to grow in Malaysia weather is chilly and onion and sometimes tomatoes (all depending on the available space to grow them - when I had a larger space available some time ago, I had corn & green peas as well) Tips from the SimpleDollar.com:- I utilize the grocery list. I started compiling a grocery list faithfully every week before going to the store and when I’m in the store, I adamantly oppose buying things not on the l

(Image source: http://www.campusaccess.com) Medical bills are expensive these days and coupled with stressful lifestyle and poor eating habits, high medical bills are here to stay. Insurance.com lists out 10 ideas on how one can reduce medical bills:- 1. Practice prevention 2. Shop around for health insurance 3. Cut the cost of prescription drugs 4. Check your medical bills 5. Join your spouse's health plan 6. Keep track of your medical expenses 7. Negotiate a discount with your health-care provider 8. Contribute to a flexible spending account 9. Take advantage of free health screenings 10. Get to know your health insurance (Click here for more details) Whilst prevention is the best way to reduce medical bills but with the current lifestyle, prevention may not be possible all the time – so one need to look at alternative ways to reduce the bills. Read Also 5 Ways to Lower Your Medical Bills

(Image source: www.healthline.com) Water is a precious resource. It is estimated only 2.5% of the water source in the world is fresh water source. When the Selangor State Government announced that there will be a 20% waiver on the water bills, many cried foul. Not on the reduced water bill but rather on the anticipation of more water wastage. Whilst there are many ways water is leaked through old pipes, faulty pipe and improper water management, there is little an individual could do to reduce water wastages. However at home, there are many ways one can save water. Eartheasy listed 25 ways on how one can save at home. Some of the easy ones that one can practice at home is a follows:- 1. Check for hidden water leaks Read the house water meter before and after a two-hour period when no water is being used. If the meter does not read exactly the same, there is a leak. 2. Don't use the toilet as an ashtray or wastebasket Every time you flush a cigarette

(Image source: http://www.masternewmedia.org) Most of us already have Google Adsense up and running on our blogs. Sometimes we have no choice - we have to be creative to look for alternative source of income. But is there more than just Adsense (and other “variants” of it such as Nuffnang and more)? Microsoft’s Small Business listed a few more:- 1. Sell advertisement (obvious one) 2. Sell other’s product 3. Solicit contributions (it is a long shot but…) 4. Market your services (perhaps as a writer?) 5. Improve relationship with readers (Read the details here ) We have to change our lifestyles - which means more income, less expenses. That is the way to go. And making money from blog is one way of getting more income. More to come...

(Image source: http://www.blinman.com) We all have to buy clothes at one point at a time – some on monthly basis. Back home, I have a closet full of clothes but only half is worn on regular basis. The remaining clothes is “collecting dust”. We gave away plenty of clothes to charity and relatives but still there is plenty more. We still need to buy new ones – because of the wear & tear but also due to “enlargement” of our body size. But there are ways to save on clothing and here are some ways that I practice (from Garment care):- 1. Read Care Labels. Believe it or not, failure to follow the care instructions on clothing is the number one reason an item gets ruined in the wash. 2. Don't Wash Clean Clothes. If you wear a garment for a few hours only and it still appears clean and smells fresh, there's no need to wash it again. Wear an item a couple of times before washing to preserve its life. For example, a dress you only wear to church on Sundays might last longer if you