This graph will track my spending month-on-month basic. I got to be so careful about letting my guard off, which is happening lately. My goal is clear, a quarter of million ringgit by 30, don’t buy a house yet, be radically generous and diligent in spending.

These are two he products (specific brand) and services that I use. If you have any suggestion, do email me at lynnringgit@gmail.com and I will try it out to see if it beats this list.

Spending tracker 
Wally - a free and beautiful spending tracking app

Investment (In Malaysia)
  • PRS - Public Mutual Strategic Fund (Not monthly contribution)
  • Equity - HLB Value Trade
Medical insurance 
AIA A-Health Maximiser  at RM210 a year (Up to RM200k coverage)

Credit card
UOB One card for 5% petrol rebate (weekends) and low % installment

Mobile connection
Umobile 28 plan. I pay RM25.40 a month with my top-up strategy

None - but sometimes I watch iflix or youtube for free. 

iPhone 5s
MacBookPro (I bought in 2011 and it was cheap back then at RM3299)
MacBook 12" ( 2017 new babe) 

Reading - Scribd at USD$47.88 a year (Bye-bye big bad wolf)
Notebook (Paper) - Miniso at RM10 for 2 Moleskin lookalike or free from office
Felt pens - Monami Aqua Plus - beautiful color at half the price of STABILO Point 88
Household tools
Diaso lint removal - battery operated (RM5.90)
Hallmark 100% Egyptian cotton towel - Retail at RM149, I buy for ~RM45 in Robbinson.

Shampoo -Clairol Herbal Essences
Soap -Anything from hotel

Beauty products 
Rarely makeup. Skincare -only departmental brand, mostly free samples.
Fav - Laneige (value), Khiel's, Sephora Favorites (value)

Flat- Blings at Isetan for RM68 a pair- they are comfortable and last really long
Sport - Nike Air Max
Heels - Zara