Are you a saver or a spender and what's your investment strategy?

[default]

Im more of a spender...... gotta cut back but new expenses keep adding up

[jim889]

wat chiu spend on? server?
 

[Oldchangkee4eva]

I very conservative when comes to money. I'm a saver. Nowadays I'm into DIY to reduce expenditure.

[jim889]

I very conservative when comes to money. I'm a saver. Nowadays I'm into DIY to reduce expenditure.

wat chiu diy on / with
 

[Oldchangkee4eva]

wat chiu diy on / with
 

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.

[jim889]

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.

curtain can buyed from spotlight
 

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

[Oldchangkee4eva]

curtain can buyed from spotlight
 

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

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 

[jim889]

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 

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.

 

[Suntan]

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

[nyvrem]

we make it a habit to save 60% of our monthly income spend 40%

[FireOpal]

Curtain business had onsite measurements of living room and rooms. Discussion of curtain type/style/cloth colors. Fabrication of curtains. Transportation and installation. 

[Suntan]

Curtain 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.

[Oldchangkee4eva]

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.

Wah nice.
I see shopee many nice curtain at affordable pricing.

[Oldchangkee4eva]

Curtain business had onsite measurements of living room and rooms. Discussion of curtain type/style/cloth colors. Fabrication of curtains. Transportation and installation.

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.

 

A bit too much for me to handle at this moment 

[Oldchangkee4eva]

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

What is bkk mm unit?