Money Mind

General Category => The Common Lounge => Topic started by: Imboredtodeath on Mar 31, 2024, 10:03 PM

Title: Are you a saver or a spender and what's your investment strategy?
Post by: Imboredtodeath on Mar 31, 2024, 10:03 PM
Im more of a spender...... gotta cut back but new expenses keep adding up :frown:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: jim889 on Apr 01, 2024, 05:43 AM
wat chiu spend on? server?
 :flash:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: 老曾记 on Apr 01, 2024, 06:06 AM
I very conservative when comes to money. I'm a saver. Nowadays I'm into DIY to reduce expenditure.
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: jim889 on Apr 01, 2024, 06:49 AM
Quote from: luckyapple on Apr 01, 2024, 06:06 AMI very conservative when comes to money. I'm a saver. Nowadays I'm into DIY to reduce expenditure.

wat chiu diy on / with
 :flash:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: 老曾记 on Apr 01, 2024, 06:52 AM
Quote from: jim889 on Apr 01, 2024, 06:49 AMwat chiu diy on / with
 :flash:

My facial stuffs. Microneedling.
Change toilet seats. Upcoming gonna change curtains on my own, buy spare parts from shopee. Saves quite a bit of money from these DIY services.
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: jim889 on Apr 01, 2024, 06:54 AM
Quote from: luckyapple on Apr 01, 2024, 06:52 AMMy facial stuffs. Microneedling.
Change toilet seats. Upcoming gonna change curtains on my own, buy spare parts from shopee. Saves quite a bit of money from these DIY services.

curtain can buyed from spotlight
 :flash:

this one can be chiur business chiu can rook at expanding after chiu nboe how to do it
 :flash:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: 老曾记 on Apr 01, 2024, 07:01 AM
Quote from: jim889 on Apr 01, 2024, 06:54 AMcurtain can buyed from spotlight
 :flash:

this one can be chiur business chiu can rook at expanding after chiu nboe how to do it
 :flash:

U mean curtain biz ah? No la I dunno how to drill holes into walls. I'm just planning to use the pre-drilled holes from the spoilt blinds. Replace new curtain holder and screws. Hopefully it works and I can save $530  :s12:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: jim889 on Apr 01, 2024, 07:04 AM
Quote from: luckyapple on Apr 01, 2024, 07:01 AMU mean curtain biz ah? No la I dunno how to drill holes into walls. I'm just planning to use the pre-drilled holes from the spoilt blinds. Replace new curtain holder and screws. Hopefully it works and I can save $530  :s12:

just drill.. buy a good drill and many good drill bit..

chiu can practice drilling on unwanted wood / bricks etc

chiu can do business for ppl with existing blinds/ not new bto.

 :flash:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Suntan on Apr 01, 2024, 08:15 AM
Moi don't keep track of spending or savings. Some months alot due to buying gifts. Some months usual expenses mostly on jiak ho.

If celery is increased proportionately to cost, surely more savings. Now moi celery stagnant & with CPF, able to buy BKK MM unit in CBD fully paid up to be weekend getaways & investment to run road :s12:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: nyvrem on Apr 01, 2024, 08:17 AM
we make it a habit to save 60% of our monthly income spend 40%
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: FireOpal on Apr 01, 2024, 08:27 AM
Curtain business had onsite measurements of living room and rooms. Discussion of curtain type/style/cloth colors. Fabrication of curtains. Transportation and installation. 
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Suntan on Apr 01, 2024, 09:10 AM
Quote from: FireOpal on Apr 01, 2024, 08:27 AMCurtain business had onsite measurements of living room and rooms. Discussion of curtain type/style/cloth colors. Fabrication of curtains. Transportation and installation.

Moi house has interesting curtain blinds & embroidered pattern on sheer curtain material. Not easy to find after the curtain maker no longer at old office.

Can oneself diy still the best. Save cost. Since curtains can be a few thousands dollars for 4 locations.
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: 老曾记 on Apr 01, 2024, 09:36 AM
Quote from: Suntan on Apr 01, 2024, 09:10 AMMoi house has interesting curtain blinds & embroidered pattern on sheer curtain material. Not easy to find after the curtain maker no longer at old office.

Can oneself diy still the best. Save cost. Since curtains can be a few thousands dollars for 4 locations.

Wah nice.
I see shopee many nice curtain at affordable pricing.
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: 老曾记 on Apr 01, 2024, 09:37 AM
Quote from: FireOpal on Apr 01, 2024, 08:27 AMCurtain business had onsite measurements of living room and rooms. Discussion of curtain type/style/cloth colors. Fabrication of curtains. Transportation and installation.

Quote from: jim889 on Apr 01, 2024, 07:04 AMjust drill.. buy a good drill and many good drill bit..

chiu can practice drilling on unwanted wood / bricks etc

chiu can do business for ppl with existing blinds/ not new bto.

 :flash:

A bit too much for me to handle at this moment  :s22:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: 老曾记 on Apr 01, 2024, 09:38 AM
Quote from: Suntan on Apr 01, 2024, 08:15 AMMoi don't keep track of spending or savings. Some months alot due to buying gifts. Some months usual expenses mostly on jiak ho.

If celery is increased proportionately to cost, surely more savings. Now moi celery stagnant & with CPF, able to buy BKK MM unit in CBD fully paid up to be weekend getaways & investment to run road :s12:

What is bkk mm unit?
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Arctic on Apr 01, 2024, 09:52 AM
Old liao auto be saver but not that I'm rich to begin with
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Suntan on Apr 01, 2024, 10:02 AM
Quote from: luckyapple on Apr 01, 2024, 09:38 AMWhat is bkk mm unit?

Bangkok mickey mouse unit. 2hrs flight nia. Now planning another unit since Thai baht at 27 to 1 S$ & working with lawyer for retirement or Elite Visa
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: FireOpal on Apr 01, 2024, 10:05 AM
Quote from: luckyapple on Apr 01, 2024, 09:36 AMWah nice.
I see shopee many nice curtain at affordable pricing.

Shopee Lazada those day curtains sure OK cos very cheap mah. Just do own measurements and give to seller. Black out curtains much more expensive and higher risk to take.
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Imboredtodeath on Apr 01, 2024, 10:12 AM
Quote from: jim889 on Apr 01, 2024, 05:43 AMwat chiu spend on? server?
 :flash:

wu ah bo eh lor......... incl maintenance for this place and other stuff
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Imboredtodeath on Apr 01, 2024, 10:13 AM
Quote from: Suntan on Apr 01, 2024, 10:02 AMBangkok mickey mouse unit. 2hrs flight nia. Now planning another unit since Thai baht at 27 to 1 S$ & working with lawyer for retirement or Elite Visa

BKK properties can buy meh? i scared also.

the king like siao siao one and always got coup
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: 老曾记 on Apr 01, 2024, 10:18 AM
Quote from: Suntan on Apr 01, 2024, 10:02 AMBangkok mickey mouse unit. 2hrs flight nia. Now planning another unit since Thai baht at 27 to 1 S$ & working with lawyer for retirement or Elite Visa

U using it as holiday home or rental leh?
How much is one bkk mickey house unit in sgd?
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Suntan on Apr 01, 2024, 11:15 AM
Quote from: default on Apr 01, 2024, 10:13 AMBKK properties can buy meh? i scared also.

the king like siao siao one and always got coup

King seems weird but ppl r not. Too bad Pita Kenna the elite don't like as Elites r w King. Coup is not good if military. Democracy takes time. The agents uni educated says uni has exchange program to other countries. Their vision not tunnel leh. Only issues r they pro China & lately do welcome SA tourists.
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Suntan on Apr 01, 2024, 11:43 AM
Quote from: luckyapple on Apr 01, 2024, 10:18 AMU using it as holiday home or rental leh?
How much is one bkk mickey house unit in sgd?

Both.
Depends on location. Mine at MRT/BTS, Sukhumvit. Below S$300k. Tat time  B$25+ to S$1.
One EDMWR recommend Whizdom. Think too far for me but cheap.
Recently another agent took me to Sathorn next to St Louis MRT.

Waiting for HSR to buy a gated with seaview at Hua Hin.
https://www.bangkokpost.com/property/2734395/bangkok-land-prices-set-for-record
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: jim889 on Apr 01, 2024, 01:52 PM
Quote from: luckyapple on Apr 01, 2024, 09:37 AMA bit too much for me to handle at this moment  :s22:

slowly step by step roh
 :flash:
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: 老曾记 on Apr 01, 2024, 02:08 PM
Quote from: Suntan on Apr 01, 2024, 11:43 AMBoth.
Depends on location. Mine at MRT/BTS, Sukhumvit. Below S$300k. Tat time  B$25+ to S$1.
One EDMWR recommend Whizdom. Think too far for me but cheap.
Recently another agent took me to Sathorn next to St Louis MRT.

Waiting for HSR to buy a gated with seaview at Hua Hin.
https://www.bangkokpost.com/property/2734395/bangkok-land-prices-set-for-record


Hua hin has very nice char kuay teow
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Suntan on Apr 01, 2024, 02:36 PM
Quote from: luckyapple on Apr 01, 2024, 02:08 PMHua hin has very nice char kuay teow

SIC priest :s12:
Don't tell moi at Bluport?
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Imboredtodeath on Apr 01, 2024, 03:07 PM
Quote from: Suntan on Apr 01, 2024, 11:15 AMKing seems weird but ppl r not. Too bad Pita Kenna the elite don't like as Elites r w King. Coup is not good if military. Democracy takes time. The agents uni educated says uni has exchange program to other countries. Their vision not tunnel leh. Only issues r they pro China & lately do welcome SA tourists.

I think thailand is one of the most if not the most couped country in the world

I dare say sure will kena soon again
Title: Re: Are you a saver or a spender and what's your investment strategy?
Post by: Suntan on Apr 01, 2024, 03:16 PM
Quote from: default on Apr 01, 2024, 03:07 PMI think thailand is one of the most if not the most couped country in the world

I dare say sure will kena soon again

The important process is that ppl r not daft especially the uni grads. They can sit in to protest the taking away of Yingluck tat got elected. Tats voicing democracy. The last election totally kick out the military coup leader Prayut & put in place Move Forward Party. Prem gone liao. Sinkies r the hopeless ones, not able to do a proper protest. Even Indo, Msia , Bananaland r ahead of us.
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