I see articles about optimizing expenses and how it will quickly hit a floor/minimum, because there is only so much we can reduce our spending. It is true. At the end of the day, we need to spend on essentials like food, transport and utilities which we are unable to cut out of our lives.
Nevertheless, the practice of budgeting (You Need A Budget) and tracking expenses have given me good insights into the kind of expenses that I can cut, and yet still maintain an extremely comfortable way of life. It basically allowed me to give myself tiny pay raises over the years.
These small streams of expenses add up rather quickly. Let me share a few simple examples of what I did that many can also do.
SIM-Only Plans +$20Since the Samsung S4 launched in 2013, I have stopped buying flagship phones. No doubt, they offer top-end
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