Aaargh! Why Can't I Save?
Her World Singapore|July 2018

If you live from pay cheque to pay cheque – the way Clara How does – but your friends are buying homes, putting aside cash for retirement, and just generally adulting, read on. She’s on a mission to change her spending habits so she can put more pennies in her piggy bank.

Aaargh! Why Can't I Save?

Eva* doesn’t know how much she spends every month. Or if she’s busted her budget. Or how much she’s got in her spending account. She depends on her bank statement to tell her. Out of the $3,600 salary she takes home every month, she reckons she saves $200- $500 – but that figure is down to chance rather than an active desire to save. Eva admits she’s got “bad spending habits” – she takes holidays every two months, and loves to shop. “Whenever I’m bored or waiting for someone, I kill time by shopping,” she confesses. “This applies to online shopping too. It doesn’t help that I like luxury goods.”

I wish I could say that Eva’s attitude is foreign to me. But even as I’m writing this story, I’m buying myself a new Fitbit. Do I need a Fitbit? Not really. So why have I bought one? Because it’s pretty. And I work out, don’t I? So I’ll totally use it, which means it’s an investment. This thought process sums up my attitude towards money.

The perennial problem of saving has never been more real. Just a little over a decade ago, when we wanted to shop, we had to go to an actual shop and browse the racks. When we wanted to go on holiday, we visited a travel agent to arrange flights for us (gasp). Today, online shopping makes it quick and easy to get stuff we like. Plus, credit cards, Paywave, and Apple Pay all help dull the guilt that comes with reckless spending. “When it’s not tangible, it feels like we’re parting with nothing to get something we like,” says Tan Huey Min, general manager of Credit Counselling Singapore. The point is, if I can barely keep track of my spending, how do I even start saving?

هذه القصة مأخوذة من طبعة July 2018 من Her World Singapore.

ابدأ النسخة التجريبية المجانية من Magzter GOLD لمدة 7 أيام للوصول إلى آلاف القصص المتميزة المنسقة وأكثر من 9,000 مجلة وصحيفة.

هذه القصة مأخوذة من طبعة July 2018 من Her World Singapore.

ابدأ النسخة التجريبية المجانية من Magzter GOLD لمدة 7 أيام للوصول إلى آلاف القصص المتميزة المنسقة وأكثر من 9,000 مجلة وصحيفة.

المزيد من القصص من HER WORLD SINGAPORE مشاهدة الكل
Looking Ahead
Her World Singapore

Looking Ahead

Here are three national policies that are making an impact on our lives.

time-read
1 min  |
November 2024
How Did Some Of The World's Iconic Chronographs Become So Famous?
Her World Singapore

How Did Some Of The World's Iconic Chronographs Become So Famous?

Karishma Tulsidas answers.

time-read
2 mins  |
November 2024
What Are Some Fun And Interesting Ways To Wear A Leather Jacket?
Her World Singapore

What Are Some Fun And Interesting Ways To Wear A Leather Jacket?

Lena Kamarudin answers.

time-read
1 min  |
November 2024
Is My Adult Acne Caused By Hormonal Changes?
Her World Singapore

Is My Adult Acne Caused By Hormonal Changes?

Quinn Chen answers.

time-read
2 mins  |
November 2024
Is It Ever A Good Idea To Engage In Online Discourse?
Her World Singapore

Is It Ever A Good Idea To Engage In Online Discourse?

Sarah Bagharib answers.

time-read
2 mins  |
November 2024
Breaking Down The Benefits Of Hyaluronic Acid
Her World Singapore

Breaking Down The Benefits Of Hyaluronic Acid

Here's why this popular skincare ingredient is a potent fix for dehydrated complexions.

time-read
4 mins  |
November 2024
Heritage in a Bottle
Her World Singapore

Heritage in a Bottle

Crafted by Swiss perfumer Christine Nagel, Barenia is the first chypre fragrance from Hermes, a seductive scent that is a dance between the delicate butterfly lily and the vibrant burst of miracle berry.

time-read
1 min  |
November 2024
BEST IN CLASS
Her World Singapore

BEST IN CLASS

MOVING AWAY FROM INTRODUCING ENTIRELY NEW PRODUCTS, BRANDS SUCH AS SHISEIDO, CLE DE PEAU BEAUTE AND SULWHASOO HAVE CHOSEN TO GO BACK TO THE DRAWING BOARD TO ELEVATE TRIED-AND-TRUE FORMULAS. THESE ICONIC CLASSICS ARE MORE EFFICACIOUS AND LUXURIOUS THAN BEFORE.

time-read
4 mins  |
November 2024
Sneak Peek
Her World Singapore

Sneak Peek

We've got our sights set on these new must-haves that promise to breathe new life into tired-looking eyes.

time-read
2 mins  |
November 2024
ACTS OF SERVICE
Her World Singapore

ACTS OF SERVICE

Beauty brands are enticing customers with a range of in-store treatments and services that offer expert tips, demonstrations and pampering.

time-read
4 mins  |
November 2024