Money

Money plays a big role in our life and in the economy. Money has the power to let us buy anything that we want in this world. With money we can live a peaceful life financially.

It’s amazing isn’t it if we start think about the evolution of money in human history. It all started from barter system to gold and diamonds to metal coins to paper money to plastic cards to electronic money and now cryptocurrencies.

Without money we cannot afford anything in this world ranging from food, water, shelter, medical care and many other things. Who doesn’t want money? Everybody wants money to live a luxury lifestyle. But how we are spending the money is the most important question.

In my essay, I’m going to share some tips on how I spend and save money on a daily basis.

Tip no.1: Create a budget list

Planning my budget every month helps me to keep track of my income and expenses. A well planned budget helps me to keep track of my spending habits and ensures that I live within my means. I plan my budget using a 50/30/20 rule. 50% of my income for necessities like rent, groceries, loan payments and utilities. 30% of my income for entertainment, travelling and shopping. 20% of my income for savings.

Tip no.2: Use ATOME

Since I started using ATOME, I have realised how helpful it is for me to save money every month. Instead of spending a lot of money at one time, ATOME splits the bill into 3 payments and gives 3 months to pay for any of our purchases. This way I’m able to save money and at the same time buy anything that I want without having to pay lump sums.

Tip no.3: Saving cash and coins at home

I put coins, RM 1 and RM 5 notes in my money box at home. Every time after spending cash, if I have coins, RM 1 and RM 5 notes, I immediately put them in my money box. This way I’m able to save some cash at home for any emergency use.

Tip no.4: Donation

“The more you give, the more it comes back”. I believe in this saying. I usually do not donate money to anyone, rather I spend that money to buy food and donate it to animals or anyone that needs. I find happiness in giving or feeding others. I wish one day to become very rich and be able to feed everyone that’s hungry.

In a nutshell, I believe if you spend money in a good way, you will only receive happiness in your life.