This post is contributed by Relax, the blog author of Wise Curve – get smarter every day!
How Relax managed his December cash flow
Hi guys, itâ€™s me Relax. Last month I shared my November 2008 cash flow with you and now hereâ€™s Decemberâ€™s. December was a month with festive mood. Did I get tempted by Xmas and Happy New Year celebration and spend a lot of money? Weâ€™ll see.
I spent a total of 602.48 Ringgit Malaysia in December. Thatâ€™s a whole lot of improvement â€“ 40% less than in November. I was a bit amazed. What happened in December?
I have cut down my priority number 3 spending (nice stuffs). As I planned in November, I visit cafÃ© less and stay at home more. Now I drink much less coffee, which is healthy for me. I drink 3 in 1 coffee for my 20 minute afternoon power nap, which increases my work productivity. I also managed to buy fewer books, although I still spent quite a lot of money on knowledge resource. Iâ€™m a self improvement freak and books are my gems.
Since December, I do two activities regularly, which cost me nothing â€“ running and blogging. I run to build up my physical fitness so that I can cope with long hours of work in the future (Jackie Chan does that always. Iâ€™m following him). I blog to share my knowledge and experience, while making new online friends. Iâ€™m happy and I donâ€™t need to spend much.
Since I spend more time at home, I seldom go out and spend money. You can have a look at my spending frequency on this graph (Expensr).
Thereâ€™s a huge spending spike on 5th of December. I was at MIECC for Trade and Consumer exhibition and I spent a bit more than usual. I should cut that down.
Last month someone requested to have a look at my MS Excel sheet. Hereâ€™s how my spending record of first few days looks like on Excel. At the end is the total money spent in a month.
Now itâ€™s January 2009. I wonder if I can still live frugally through Chinese New Year? So far, this month I have spent RM 100. Oh yeah, hereâ€™s a money saving tips for you. Cut your hair after Chinese New Year, because itâ€™ll be expensive to do so before that. Have a nice month!