6 Things We Do that Funds the Next Holiday Adventure

I just booked a Siem Reap Trip, which doesn't come from my savings! It is a thin line between being money minded, and being financially literate. For the past years I have probably wasted a thousand or so a year simply because as a working adult, and of course my careless nature, I have little energies to go into the nitty gritty of finances. They are actually good habits! So here are several things done to save (get) a penny here and there. Mind you, they add up!

#1 Redeem your rewards points

We all pay for mobile phone bills. Call in and redeem rewards. I got a $10 rebate for the next bill, while all the starbub points that wasn't redeemed for my dad's end adds up to $50 rebates!

#2 Redeem credit card rebates

Citibank SMRT Card entitles me to $40 vouchers, for groceries, dining and transport.

#3 Apply when there is credit card promotion

So I have a Manhattan Card which credits $138 directly in the card, immediately offsetting the first month's bill. (No I don't need that huge free luggage worth 950 bucks to just take up another space in the store room! Low utility and storage waste)

And I've got an ANZ card which gives $168 cash back, in form of optimum$ that has to be redeemed. This is slightly cumbersome as the credits only come in three months after application, in form of offsetting your subsequent bills. (Note that  DBS has bought ANZ and all redemptions and expenditure has better be done before third quarter!)

HSBC revolution offers a movie card, upon application. Enough to give me my year's worth of movie entertainment.

#4 Pay with Paywave instead of cash 

The different credit cards are best utilized for different expenses. For e.g NTUC plus! works best for my mum's grocery shopping, ANZ for dining which I opted for, gives 5% rebate cashback 1% on everything else, Citibank SMRT gives 5% rebate for Popular Bookshop purchase etc. So instead of having a chunky wallet with notes and coins, cashless helps to generate cashback. Some friends of mine utilize these perks to cut wedding costs.

#5 Exercise for Free

Friends have been asking me to sign up for yoga classes or aerobic class with fitness centres. The membership fee is so expensive. So instead, I make full use of the available facilities, Punggol waterway has such scenic tracks, and ActiveSG allows me my twice weekly swim for free. I can't resist the offer to exercise for free and enjoy the fresh air!

#6 Use promo codes

When Grab and Uber fights for market share, consumers gain! Whee, and so my sister and I got a free ride right when it was pouring, while making our way home. Check out singpromos and make it your Facebook feed so it will update you with promotions :)

Walah! These extra dollars and cents generated has paid for my 4D3N Cambodia trip and accommodation, and travelling expenses, $300 ++ 

#cheapthrillsbuthowhardisthatreally

The power, lies in exchange of information! Please share with me on ways to live within the means and live richly. Yes, pun intended. Emotionally rich, Mentally rich, and Pocket rich.

# PS: Anyone keen to travel to Siem Reap on 7-10 Mar PM me!