The Power of The No Spend Day

After a long hiatus of 7 years, I have decided to devote myself to tracking my expenses again for September with the newly updated application, Expense Manager. It is now made more robust with added features. It even included visually appealing graphs to show the allocation of my expenses to different categories and their percentages!

There is also this feature on Expenses Manager which I love the most – setting a monthly budget. You could even go one step further to set different budgets for different categories. It would also tell you how much money you are left with for the rest of the month so that you can do some planning for your future expenditures. Yummy! Continue reading “The Power of The No Spend Day”

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Cheap and Good – 5 Money saving tips for Malaysia/Thailand trips

In continuation to my previous post on my travels from Singapore to Thailand by land, I’ve decided to also blog about some money saving tips that I found out by accident during my vacation while they are still fresh in my memory. This feeling is a bitter sweet one because it made me realize how much money I have “lost” during my previous travels to Malaysia and Bangkok.

Oh well, I guess it’s never too late, only later. >_<

Anyway, since this trip isn’t a conventional one as I traveled by land and it was also my first time visiting Ipoh, it offered me different alternatives on how to get what I need as compared to arriving at Suvarnabhumi Airport. Counting the number of actual hours of traveling, it amounted to almost 30 hours! Phew! Continue reading “Cheap and Good – 5 Money saving tips for Malaysia/Thailand trips”

Cheap and Good – $630 ALL-IN 8D7N SG to Thailand Land Trip!

I am back in Singapore!!!

Holidays are tiring. Despite what people say about being refreshed after going on a vacation, I always feel even more sian (lethargic?) to come back. The holiday mood never seems to go away and I’m always looking forward to the next one. :p And the jet lag is here to stay for some time at work even though it is just a 2.5 hours flight :p

This trip, however, should most likely be the last for me in 2017 as I’ve allocated most of my fun money to it. Continue reading “Cheap and Good – $630 ALL-IN 8D7N SG to Thailand Land Trip!”

Cheap and Good – How I spend $111 on Make-Up Every Year

This is the first blog entry for “Cheap and Good“. Yay!!!!! I have decided to share with my female readers (and male ones if you happen to be interested :p) about the different make-up that I use. Other than being a financial blogger, I am also secretly a make-up geek that probably watches too many make-up tutorials for her own good. :p

I don’t use make-up everyday but I do have a basic routine that I follow religiously if I want to look better on a particular day. The brands that I use are pretty generic and most of them are actually drugstore brands that are easily found locally.

Continue reading “Cheap and Good – How I spend $111 on Make-Up Every Year”

The Ultimate Shopping Contract – How to stop yourself from spending unnecessarily


Date: ____________

The Ultimate Shopping Contract

I, ____(insert name here)____, promise that I will not buy anything without thinking twice. I will ask myself if the product I’m holding in my hand is something that is a “want” or a need”. If it is a “want”, then I will promptly put the product back on its shelf. If it is a “need”, I will ask if there are alternatives. Then, I will choose the one that brings the most value in terms of price and quality. Continue reading “The Ultimate Shopping Contract – How to stop yourself from spending unnecessarily”

It’s hard to save money as a girl

Guys are so lucky.

Guys don’t get periods. They don’t get creeping insecurities within their guts to want to look better. They age like wine. Parts of their body sag but it somehow becomes attractive to certain younger women.

Sigh. 😦

When I say it’s hard to save money as a girl, I don’t see a reason for you to doubt me. The constant need of having to compare yourself to your peers, and to look your best at all times. It’s emotionally and mentally draining. When you see the advertisements of models with killer hot bodies, you always aspire to be like them and think to yourself if you’ll ever get there one day.

So you go get more make up to cover up your flaws. And maybe even thought about spending a few thousand dollars on that slimming package that would help you to look awesome and gain that kind of confidence that you once had before.

Well, I’m no exception. Trust me, I’ve been there before.

But I found a way to cope with it. I found ways to look good with minimal cost. It took me a few years to get to where I am, but I’ve managed to do it. The best part? It doesn’t cost me a bomb. In fact, I spend less than $500 a year on make up and clothes every year. All you really need are just a few simple tips.

I have opened up a new category called “Cheap and Good“. If you want to gain more insight on how I save money, look good and pick out bargains, check out my blog for future posts!

Thanks for reading!

Miss Niao xoxo