Money Smart

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I am a very good money manager. I save a very high amount of my salary consistently every payday. I was saving 75% of my income consistently in the last three years. I have zero debt. I paid everything, including car, with cash - no loans. I aimed to be able to afford a house with cash, too. I am not a weirdo frugal. I wear reasonably nice clothes, shoes and accessories (bags, watch and jewellery). I go out and enjoy nice dinners occasionally. And no, I am not a high income earner. I earn $70,000 gross per year. And no, I don't earn any bonuses at all. And no, I don't get anything (money, gifts, presents, bribes, or anything alike) from anyone, at all. People always come up to me and literally complained, "why can you have that?" "how do you  afford that?" "how do you have enough money?" "you must have a rich boyfriend!" All sort of negativities. I always say "save, have zero debt and pay cash for everything." May b

Saving Income Report I clocked 80% saving rate in the previous fortnight . Now … Another fortnight, another saving report which should have been done last Thursday - payday. But it was a long weekend and I was pre-occupied with many other things. So here we go. This fortnight , I have a lot more expenses to be paid, such as monthly train ticket, credit card payment for end of year clothes and shoes replacements, and extra entertainment expenses for the long weekend. This fortnight, I saved 68% of my salary income. End of year shopping using Credit Card 200 Private Health Insurance 42 Groceries 100 Weekend 100 Easter long break 100 Monthly Train Ticket 75 Mobile 20 637 Savings 68% Previous fortnight 80% Average Year to Date 74% Saving Income Report I clocked 80% saving rate in the previous fortnight . Now … Another fortnight, another saving report which should have been done last Thu