We could all do with a little more in the bank every month, especially when times are tougher than ever and the economic outlook remains bleak.
Yes, there's some research and number-crunching involved, but you'll be glad you did that eventually.The numbers don't lie. Food prices have risen by 3.3 per cent year-on-year in March 2022, and it's not stopping anytime soon with increases in food production costs, electricity and gas prices. According to Matthew Eberhart, VP of marketing at resale platform Grailed in an interview with The Wall Street Journal, "fashion works in 20-ish year cycles , "so if you're really thinking of it from an investment perspective, [consider] what was cool 15 years ago and try and get ahead of it."
Shop around to find a gym that suits your budget and fitness priorities so you're paying for what you will actually use. If you don't require a pool, look at boutique gyms that may work better for your monthly fitness budget. If you plan your sign-ups properly , you might enjoy a few cost-free months of fitness app membership.Swop your skincare
Splurging on the skincare that works for your skin is a savvy investment that pays off in the long term. Financial advisors will always recommend getting your home loan refinanced or repriced. As a rule of thumb, if you can save anywhere from $1,000 on interest payments, refinancing is a good idea. Take stock of your current home scenario and strategise how you can enjoy your favourite outdoor luxuries at home.
While most people know about income reliefs for parents, children, and charitable donations , one easy but often overlooked way is to contribute cash towards your SRS account. While letting yourself get billed as little as $2.99 per month doesn't seem like much, multiply that by four digital subscriptions that you use once or twice a month, and you'd have flushed a nice dinner down the drain.
Similarly, a personal accident insurance plan warrants looking into, as the right policy can save you from large, unexpected bills.
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