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?](https://magarticles.magzter.com/articles/1930/287093/5b30b54a36a73/Saving-Finance-Money-Salary-Career.jpg)
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?
Bu hikaye Her World Singapore dergisinin July 2018 sayısından alınmıştır.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 9,000+ magazines and newspapers.
Already a subscriber ? Giriş Yap
Bu hikaye Her World Singapore dergisinin July 2018 sayısından alınmıştır.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 9,000+ magazines and newspapers.
Already a subscriber? Giriş Yap
![Is Contra-Dating The Key To Finding True Love?](https://reseuro.magzter.com/100x125/articles/1930/1755980/gqciEcYwj1720531989439/crp_IS-CONTRADATING-THE-KEY-TO-FINDING-TRUE-LOVE.jpg)
Is Contra-Dating The Key To Finding True Love?
After several situationships, this writer decides to date against her "type".
![What Is The Difference Between Dark Spots And Freckles?](https://reseuro.magzter.com/100x125/articles/1930/1755980/g9CE_2yvP1720532902055/crp_WHAT-IS-THE-DIFFERENCE-BETWEEN-DARK-SPOTS-AND-FRECKLES.jpg)
What Is The Difference Between Dark Spots And Freckles?
Skincare experts give us the low-down.
![BOYS OVER FLOWERS](https://reseuro.magzter.com/100x125/articles/1930/1755980/TW1-tJhtx1720532556114/BOYS-OVER-FLOWERS.jpg)
BOYS OVER FLOWERS
Meet a new generation of male beauty content creators who are challenging conventional beauty standards and making waves for diversity, one makeup tutorial at a time.
![WHEN AUTHENTICITY IS JUST ANOTHER FILTER](https://reseuro.magzter.com/100x125/articles/1930/1755980/Tll5oloCg1720532112341/WHEN-AUTHENTICITY-IS-JUST-ANOTHER-FILTER.jpg)
WHEN AUTHENTICITY IS JUST ANOTHER FILTER
We are finding new ways to express our individuality in an increasingly connected world. Whether it’s through photo dumps or playful filters, are we truly redefining what it means to be authentic online, one post at a time?
![Fringe Benefits](https://reseuro.magzter.com/100x125/articles/1930/1755980/-jol9mgVz1720532452524/FRINGE-BENEFITS.jpg)
Fringe Benefits
Is the trendy cowgirl cut truly a low maintenance hairstyle? Here's what two hairstylists have to say about the look.
![CLASS OF 2024](https://reseuro.magzter.com/100x125/articles/1930/1755980/d60t00Zgt1720531263657/CLASS-OF-2024.jpg)
CLASS OF 2024
Being a woman in STEM (Science, Technology, Engineering and Mathematics) can often mean being the lone female voice in meetings, or the unintentional target of unconscious biases.
![HOW TO TELL IF YOUR WORKPLACE IS TOXIC](https://reseuro.magzter.com/100x125/articles/1930/1755980/OsiXttB621720531112525/HOW-TO-TELL-IF-YOUR-WORKPLACE-IS-TOXIC.jpg)
HOW TO TELL IF YOUR WORKPLACE IS TOXIC
A recent survey found that 51 per cent of Her World readers would leave a company because of a toxic environment but what does toxic mean, anyway?
![Navigating the corporate jungle](https://reseuro.magzter.com/100x125/articles/1930/1755980/iWJPyAWa_1720530998472/NAVIGATING-THE-CORPORATE-JUNGLE.jpg)
Navigating the corporate jungle
Here’s how to spot all the wild animals” and their corresponding behaviours.
![Are bi-coloured watches trendy again?](https://reseuro.magzter.com/100x125/articles/1930/1755980/GwIBf4k9S1720530859267/ARE-BICOLOURED-WATCHES-TRENDY-AGAIN.jpg)
Are bi-coloured watches trendy again?
Bi-coloured watches have the dubious reputation of matching with everything” untrue), and being versatile debatable). But in the hands of seasoned watchmakers, they’re given a new lease of life, seamlessly blending sportiness and elegance.
![Fashion Super Star](https://reseuro.magzter.com/100x125/articles/1930/1755980/DxR-xUifk1720530736983/FASHION-SUPER-STAR.jpg)
Fashion Super Star
Dior’s new face and Newjeans member Haerin discusses the new Denim Dior Oblique line, her personal style, and her favourite Dior items in this Her World exclusive.