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@kimmyfs It helps me by contextualising how much I spend vs how much I save, vs what other people around my age conventionally do. Think of it as upgrading your well-being. Have a list of items you want to get, let it stew in your thoughts for a few weeks. If you have some extra cash to spend...

@sweetascandy1990 Second the comment about tracking everything. Once you get a better picture of how your money is spent, you'll figure out where to cut down.

@griffithjose All the best, but you're probably better off settling for something cheaper so you have more cash to spend.

@griffithjose How many places have you checked out prior to deciding on this one? Is your interest in the place mostly location? Or the view? Or the size?

@hummelav There are literally no privileges apart from monetary ones?

The magic with buying TNG pins with cashback is that you can literally get cashback on almost anything, even that mixed rice shop that you frequent if they accept TNG. Your tolls, LRT, parking, anything that can be channeled through TNG, will also be 5% /8% off effectively.

@ahmed360 Haiz, I'm so tempted to get the Maybank Islamic Ikhwan AMEX card but I scared Lazada stop selling TNG pins eventually, then it becomes useless

@orthodoxokie No such thing as safe and lucrative, else no one would be investing in risky stuff. Only have safe and little returns.

@orthodoxokie If you think stashaway is risky then your options might be limited. Tng+ is fairly reputable, else you can look into ASM or just any FD offered by banks.