When my net worth is zero, it is important to me that every cents count. I need a plan, a free plan. I had a sheet made from excel and use that as my planner. Now, I treat this loosely like my monthly event planner with cost in mind. Here’s how it looks like so…
And I didn’t travel to the moon and back or sell my soul. A financial guru tweet “50% workforce here in Malaysia earns less than RM1750 ($450).” and all the people jump in and retweet. I am not that sure about how the statistic came by, a statistic is more of an art than a…
This story is not about this website. Lyn & Ringgit do not have such a high following, and I have nothing to sell. For some celestial reason, earning from blogging is not my forte. Furthermore, this website cost me $15 a year, which means I don’t qualify for web hosting MLM offers. I try my hands on…
This month did not come as easy as I thought. Travel for work on my expenses, pay for car engine oil and eating out all the time. In total, I spent RM4579.85. About RM400 is duly wasted for work, but most of the spend is because I got addicted to spending. My dividend took a…
Being a minimalist should save you money, but being a cheap minimalist is guaranteed to save you money. A year ago, I had enough things. It felt like the stuff I own could last me a lifetime, I am tired of shopping, and I want less. But now I find the need to slowly buying…
I have a confession; I once got caught up in living the affluent minimalism life. I stop buying all the crap that I do during school days (a great financial choice). But I looked up to the quality things. In a way I was lucky, I have no hardcore commitments and means to do what…
This post is more about religion, values, than finance in general. In case, you like to skip as it may not be as important to you as it’s to me. It is simple, God demands absolute honesty. And if you believe He exists, you are bound under this truth. Being absolutely honest about money is…
Mid-year always feels like I have not done enough for the year. There are times that I have even forgotten what I wish to accomplish on the first day of the year. I guess there must be X-muted people out there that never fails to do what they want but I don’t uphold my goals…
Lyn & Ringgit is turning 2! For the past two years, I am challenged to be accountable for my lifestyle inflation (Like to pay or not-to-pay for web-hosting). And most importantly, inspired to retire early with just a simple life change. I found this idea on the internet about how everyone could accumulate $1mil and…
This post is an excerpt from what is your favourite money saving tips found on in Reddit. You may want to scroll thru the long, extended post for the detailed saving plan but here’s a nice 8 that I found. On lunch I tried to never spend more on lunch than I was making in half an hour…