💰慳妹日記💰聰明地使用現金券

最近我買了美容package,消費近五位數字的港幣。因為是用信用咭結賬,得到了兩百多塊cash dollars。你們猜吾用來買了些甚麼?哈哈,是洗頭水!

假如收到一張現金券,一般人通常會選擇用來購買自己一直很心動的產品,很少會拿來買柴米油鹽的。『我想買這部自拍相機很久了,現在等於是有人送我呢!』『傻瓜才會用來買衛生巾衛生紙吧?那些東西自己也付擔得起呀!』

重點來了!付擔不起的東西,對於有心儲蓄的人來說,本來就不屬於支出的行列,不論減價多少,都不應該購買的,就算獲得現金券亦然。最合乎儲蓄效益的做法,應該是利用這筆意外之財購買日用品,因為那些消耗品都是必須的開支,把這筆錢省下來,而非必要開支維持不變的話,這個月的實際支出就會比上個月的為少。

所謂的節約是買該買的,並放棄不該買的。節約從來都不是剝奪基本生活,而是選擇性地將不必要,不關乎生死存活的開支剔除,過花費最少的簡樸生活。

很多人會以沒情趣來貶低節約的人,但情趣並非生存的必要條件。況且,情趣並不一定要『買回來』。 小時候沒錢買玩具,也能自創小玩兒,一樣玩得很高興,不是嗎?人類的創意是很強大的,覺得必需花錢來獲得生活情趣的人,其實中了很深的廣告毒,太倚賴商業產物的方便。

儲蓄是一件大事,跟錄一張唱片、拍一部電影、煮一頓盛宴所運用的持久力如出一轍的。考進大學時,你面對很多分心溫習的娛樂,唯獨那些擺脫誘惑的學生能考取好成績,同理,想儲一百萬的人會遇到很多誘惑,每天經過商場也會有包裝精美的產品向你招手。有心儲蓄的人一定要時刻提醒自己『只買必需品』,意志只要稍微轉弱,就會中招。要知道,花了一千塊買香水,就少了一千塊乘車吃飯,此消彼長。月光族和小富婆的差別只在於微小的金錢概念啊!

Advertisements

💰New Money Habit 2💰Decluttering

Decluttering has been a buzzword for the past few years now. Even if you don’t feel like joining the whole fad of Minimalism Movement, you should give decluttering a try because it does relate to money management.

First and foremost, decluttering reduces our desire to purchase. Anyone who read KonMari’s book and follow her teachings will agree that decluttering is an exhausting, at times excruciating task! By simply clearing out the clutter in a space as small as the bathroom is enough to be shown how much stuff (in other words, money spent) one actually owns.

Some of the stuff we own are stored in places that are bound to be forgotten. It is only through decluttering that they come to light. We may think we need the latest product shown on commercials but once we see with our very own eyes and touch with our very own hands the stuff we actually own, we will see how bountiful our possessions are all along.

Apart from curbing our desire to shop, confronting with our clutters can resolve our potential to be an achiever to earn more money. Once a space is decluttered and the resources are lay neatly in front of us, there are less distractions and we will have clearer goals and work more efficiently.

💰New Money Habit 1💰Budgeting

Budgeting is a surefire way to save money — if we follow it strictly.

When we have a budget, the first thing we do when we receive our salary is to immediately transfer our targeted saving amount of money to a separate bank account before we spend the rest. Meanwhile, no cheating with the credit card.

With the prevalence of financial tips, it is impossible not to know the amazing outcome of budgeting. But in reality, not many people actually practicing it since it takes a high degree of self discipline. And perhaps it’s the exact same reason why only a tiny percentage of the population is financially independent.

Yes, budgeting is a tedious task but it’s a one-off job. Once it’s done, you will be good for the rest of the month. There is a Chinese saying, “If you don’t show up to manage your money, money won’t show up to you.” (你不理財,財不理你) Can’t you spare a movie show’s time to sit with a spreadsheet and a pen if you genuinely want to be less poor, if not richer?

Of course there are those geniuses who don’t need to plan ahead and can still save a lot, but it requires so much willpower that most of us don’t possess.

There are always, ALWAYS, temptations (commercials, sales, groupon offers, pop-up stores…) that make you feel like you lack something and need to make new purchases. Without a budget plan, we will easily give in and spend more than we should. Not to mention the precious time we wasted on contemplating over which product to buy!

So my recommendation is this, like it or not, budget first, even if you can foresee a failure in the first month. You can always make adjustment. Just try to have a taste of living with a spending limit.

3 Ways to Maximise The Value of Your Possessions

1: Make Good Use of The Space

When I enjoy my gourmet coffee at the cafe, I don’t just sit there and scroll up and down on my phone. I read the magazines and use the WiFi service provided there. I also do things that only this particular atmosphere gives me the mood to do, like brain-storming, making writing plans or doing yearly review. (I spent my New Year Eve at the Pacific Coffee!)

Sometimes if I really crave for a nice cup of coffee but I am near my spending budget, I will invite someone whom I need to meet in a more decent place to catch up with to enjoy it with me. That way, I am less guilty of being too extravagant because I am not spending the money solely to please my taste buds, but also attending to my social life.

2: Learn Something From The Retailers

Smart buyers don’t just hand in the cash, grab the shopping bag and turn around then leave the shop. They observe and learn from the retailers. If I ever dine out, I look closely at how the food is arranged, the theme of the decor and how the waiters are trained to behave. When I am having a facial or a body massage, I try to stay awake and memorise their procedures and ask the beauticians questions on beauty maintenance if they don’t mind.

3: Use It Elegantly

While I find it too much of an excuse to say in some self-help books that buying a Chanel bag can motivate its owner to uphold better etiquette, I do agree that using something mindfully is a golden rule for money saving. To say the least, if we pay more attention as we walk on the concrete road, our sneakers don’t have to be replaced as often. Anything white is worth being cautious of. One time I wanted to take a sip of my takeaway coffee and the lid wasn’t placed evenly so I spilled one third of it on my white top — a double loss. Be elegant and don’t let what you bought go to waste.

👛How To Spend Less?👛(10) Have a Strong Purpose

Being frugal has become much less easier for me since the establishment of my long-term goal: to live in my own space. Once I think of the kind of life that I want to live, (wearing sexy home wear, using the kitchen whenever I want to, having a bubble bath every night…) accessories, costly meals and beauty products are no longer temptations.

Life coaches/motivators/therapists agree on how determining a strong reason is on the rate of successfully reaching a goal. That’s why successful weight loss cases after heart wrenching breakups are more prominent than people who repeat the same Facebook status “I gotta lose some weights” because the anticipation of their ex-partners’ jaws dropping is a powerful driving force.

Years of collecting fancy home decor photos didn’t really contribute much to my action-taking. I need a more personal reason. For a change, I keep reminding myself the pain inflicted by my failure of saving enough money by asking: How much longer do I want to put up with all things unsightly living with my parents in a house with no fixed place for slippers and shoes, hair pin on the den, and nail polish next to the fish tank? (Sometimes my mum even work squatting on the floor.)

Though having my own room (in which I can exercise a certain degree of aesthetic  rights) is considered a privilege in Hong Kong, there are still a lot more I am deprived of while living with my parents. I can’t prepare my own meals at my convenience. I can’t guarantee silence when I need to concentrate. These two are the critical input and output in my life and I want to guard them with all my will.

“Live your life to the fullest” is just a slogan until someone removes what limits her.

💰慳妹日記💰美容勝品

打開女生的記帳app,相信花在美容類的費用一定佔最大比例。

實際來說,妝物並非必需品,但按愛美一族的邏輯,保養品和化妝品卻絕不能省的。香港名人章小蕙就曾說過:「飯可以不吃,衫唔可以唔買。」

情路不堪的女士,花起錢上來更是不遺餘力,因為被愛郎拋棄的恐懼已經蓋過儲蓄的熱情,以及這筆存款可以實現的夢想。

其實,愛美絕不一定要花大錢,原因是,在消費主義橫行的世代,商家販售的未必是真實的變美利器,厲害的的廣告標語很多時都僅止於滿足消費者「只要買了這個就能馬上變美」的(懶人)幻想。

商品的價錢不一定反映其性能,這一點吾早就意識到。此外,由於吾的薪金不足以支撐high end products的長期消費,這幾年來,吾一直嘗試並收集許多小資的保養方法。

本來不覺得這些的心得對其他人會有任何參考價值,但越來越多人來問道「你是否花很多錢在保養?」吾想,吾的保養之道也是值得公諸同好的,於是就整理出這一篇心得文。

胭脂

canmake的五色花瓣胭脂(初版含閃粉),兩年下來總算鐵皮了。本來想投資一盒hour glass的「五花腩」胭脂,但看到網民評說美國開架品牌NYX的一個色號有如專櫃品牌NARS的「高潮」胭脂,踫巧香港的wishh在做清貨減價,一百塊港元就能買三件NYX產品,於是囤了兩盒胭脂和一支眼影打底膏。(用過NYX的遮瑕膏,效果滿意才膽敢一口氣囤三件產品的)

粉底

粉底選對色最重要,其次是質地,要小心觀察粉底會否跟保養品的成份相沖,出現「搓泥」的情況。也要小心留意有沒有堵塞毛孔的情況,否則,暗瘡護理又是一項延伸消費了。

睫毛膏

自化妝生涯之始,一直以來都是用發明mascara的品牌──maybelline,偶然受好奇心所使,轉用別家品牌,都必定大失所望。(包括愛用的護膚品牌明色推出琒GO! LEOPARD) 後來遇到SANA推出的睫毛膏+睫毛夾的套裝,超乎預期般好用,馬上進入「用一囤一」的模式。

眼線筆

重點是不脫色和容易卸,牌子不拘。

唇膏

同一時間只持有一支。化妝品本身不是甚麼昂貴的東西,說化妝品是個坑是因為女人們愛轉look。事實上,一般女人不是明星,衣著打扮受工作環境局限,合適的妝容也離不開一二,所以,擁有再多顏色的唇膏其實也不能派上場。

眼影

自從留意到眼影很容易帶來色素沉澱,平日極少使用眼影。

減肥食品

不做機,不上跳舞班,不吃減肥藥。發掘不花錢的運動,如做家務、買食材、跑樓梯。吃得清淡,少食多餐,可以省掉食費,另外,別太寵味蕾,養得肥大了,就吃不了苦了。

頭髮

預留充裕的時間細心洗髮、輕力梳頭、逐層吹頭,勝過一切美髮產品。

❤✨斷捨離心得❤✨ 做個長情的物主

英文有一個比”valuable”更昂貴的詞語,叫invaluable。

說一件東西無價,不是指它沒有價值,而是市場上甚少同類產品,因此無法給它設一個建議售價。

我男朋友的背包、錢包、衣服等身外物,都用了很多年,破破舊舊的,但在我看來,卻很有味道,比起商店陳列的新產品都要有吸引力。

你越懂得欣賞自己的「味道」,越能變成無敵的省錢達人,因為,你根本不想換掉那個好不容易才累積一定歲月,帶著你尊屬味道的用品,自然不會亂掏腰包。

現代人太習慣換新產品了,宏觀來說是在浪費地球資源,微觀來說會造成個人的財政困難。

做個長情的物主,你就會有錢。

跟我一起,訓練自己長時間用同一批東西吧!