It amazes me how up till today, the post you guys seem to like reading the most is still on how I saved $20k last year. Seriously, what about the other posts?! Are they boring :(
Anyway, I wanted to share a little more on my #1 philosophy and mindset towards saving that really helped me to chalk up that $20,000. Contrary to what many readers think, it is not about having a fixed budget or saving huge chunks of money.
It is about saving all the little excesses that accumulate over time to become quite a sum.
It is about being smart on what you spend on.
Introducing: UTILITY COST.
Disclaimer: I came up with this concept since young, when money started becoming a problem for my family. While I don't think this concept is new (surely someone else had pioneered this before!), it might perhaps ......
