Tips on Saving on Meals

I once watch a comedy. It give a silly tip on how to save your money on meals if your need to eat out daily.

As you all know, there are three basic meals we need to take in a day.
The Very Important Breakfast that we should not miss
Lunch
Dinner

Since most people say breakfast is the most important meal in the day, we should not miss it at all. But lunch is usually just a few hours away. So we shall take our breakfast as close to our lunch as possible. Hence, the term Brunch.

Take your Brunch at about 11am to 12pm. Try to have a very filling meal. With this, you actually take your important breakfast and lunch together. With this, you get to save some money.


Dinner shall come soon, in about 5-7 hours. Always make an attempt to meet up with friends for dinner. Meeting with one friend is more than enough. You will get to share the overall cost of the meal, which in fact is usually cheaper than you were to eat alone.

At times, your friends will even offer to pay for the meal. Always sit on the left most side of your friends. This way, you can 'offer' to pay while your friend offer to pay. Use your right hand to hold onto your friends left hand, and 'insist' to 'offer' to pay, while attempting to use your left hand to reach for your wallet which is usually, at the right side of your pants. Your friend will have to use his right hand to take his wallet. This way you will be slower to take out your wallet, and your friend will end up paying.

With this 2 silly tips, you get to save couple of dollars, which will amount to quite an amount by the end of the month.
*Do not do this too often, you might lose your friends.*

Buying a Car

Buying a car is a major decision. Some buy it for work use, some get it for family use, some buy it for entertainment purposes while there are also some who got it for the sake of convenience.

Do we really need a car? Is it so much better than taking a public transport?
No doubt getting a car really does bring in the convenience. Imagine, going everywhere is no longer a problem as you can just drive. You do not need to wait for the public transport to arrive. And you can just get to anywhere and everywhere easily.

However, looking at another point of view of getting a car, many people out there do not see the impact it causes. The Benefits VS the Costs.

Let's identify the benefits:
Convenience
Good for bonding (family, friends, colleagues)
Pride in ownership

What about the costs:
Purchase price
Maintenance cost
Petrol/Fuel cost

So it is really worth it to own a car?
These days. It is no longer cheap owning one.
On an average, we can spend from $100 to $500 monthly on public transport to travel from one place to another.
Although a car bring convenience, it also brings along high maintenance cost. It may range from road tax, repair/replacement cost, insurance cost, cleaning cost, plus the monthly installment if you have not fully paid up. And most important, the petrol cost. With the ever increase in petrol price, it is not cheap nowadays to travel on cars. And don't forget about parking fees and the fines (if you do not observe the rules).
A good estimate is at least $1000 on a monthly basis or more if you are still paying the loans.

Is it worth it to get a car for the sake of convenience at the expense of spending more than you should?

These days, many youngster drives a car. Most of them are from rich or well to do family and the car expenses are usually borne by their parents. They do not feel the pinch of the costs. I feel that people should be educated on financial planning from a young age.

There are also a group of young people, who had just graduate from their field of studies. Thinking that a car will bring along prestige and show that they are doing well, they often get a car on impulse, often ignoring the costs factors. They tend to pay the car on installments. Very often, these people will end up suffering on their day to day expenses and might even get into debts.

In addition, cars cause pollution and it is bad for the environment. Many governments are now encourage people to sell/scrap their cars and use the public transport.

So, for the sake of the environment, and also your money, please consider more than twice if you are going to get a car.

Internet Wealth System

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Creating wealth on internet? I bet most people do not believe there is such things in the world.

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This is one great product which he sells that enable us to learn the very basic and yet important steps to start off the online business. Please take a look.