Ever heard about the rule that you must save 10 percent of your income? For me personally, i would like to save more than that and as much as possible
maybe some of has difficulty to abide this law because of financial constrain. Some of us only has small income or maybe having to many other commitment such as personal loan, housing loan and car loan.
how about if we can reduce our monthly spending for 10% only and the money goes to saving ?
Or make another source of income equal to 10% that you must save.
Or if it is really difficult enough how about cutting your monthly expenses only 5% and get extra 5 % income to fulfill the 10% rule.
I believe everyone can do it. But we need a little bit more of discipline
Happy Chinese New Year.. 🙂