Originally Posted by TomMAffolter (Post 20267047)

look at my post history to see type of girls i can fuck for 15-20usd, this will give you a idea how much money you are wasting if you are spending 100, 1000s.
Some one can give you a book, but will you read it, understand it and most importantly implement it, same with writing guidelines for you.
Most importantly no one has the time to waste guiding you, protecting you from yourself, as truly who cares about a stranger.
Who do you want to be when you are 65+, george clooney type with plenty of money with women fighting over him, or do you want to be the ah pek walking around with a sign saying how he has no money in his cpf as he lost the 300k that was in there on some failed investment get rich quick scheme.
If you are the type who will always be in debt and very little money due to you own weakness and failings then sure yolo away as might as well grasp any moment of fun you can find as the rest of your life will be endless misery.

Originally Posted by B88Bs (Post 20267026)

I think everyone here likes to chiong, anyone got any tips on how to budget chionging?

In the past, there have been times where I meet an exquisite girl or escort, ladies with double Ds and pussy that smells like strawberry wine. My infatuated mind would lead me to spend hundreds, and sometimes thousands, on them. For better or worse, I have met more than one such ladies and just went YOLO.

The only thing that saved me from going into debt was my dislike for loans. But I would look at my expenses with regret and promise not to spend so much again... till I catch a scent of strawberry wine.

So im wondering if any bros here have guidelines on how to budget when going chionging? Or maybe if you also believe in the YOLO mentality, give me a hug and tell me its okay to celebrate.

Originally Posted by B88Bs (Post 20267171)

Thank you for your candid reply, I definitely relate to you there. Fortunately due to covid I have been able to rapidly save quite a good sum of cash to protect myself in case of rainy days. Plus there isn't any girl to spend it on these days so I'm quite thankful for that.

I have started setting aside a fund that consists of:
- 6 month reserve
- Small investments
- Contributions to a housing fund

I don't think the the idea that people won't teach you is necessarily true. I have been lucky to find a few friends that are willing to share their personal budgets and expenses (granted, they don't chiong). Usually it tends to be couples that BTO or just wedded and have to plan everything.

Originally Posted by Sogal (Post 20287556)

Bro, you might want to start with you age, income range, occupation/job security, health issue, but I guess ppl don't care.

I am not insurance agency guy, but If you don't have a good insurance, 6 months reserve wouldn't do any good. but at the matter of fact, buying insurance causing you more money than what you expected to pay. However it has a benefit of flatten out your risk of bankrupt from major event, e.g. car accident or get HIV from strawberry wine.

next is you budgeting, if you can't control yourself from overspend, you MUST put the money that you don't want to use aside after you get a paycheck, try to put it to different bank account/investment/ask your mom to keep it or any mode that it is hard for you to be mental breakdown and use it up.

after you got your YOLO budget, enjoy lah bro

don't forget to give me a good FR and ctcs :)

enjoy your day

Originally Posted by jaccy (Post 20291933)

girl does not like so stingy guy lel if she found out

Originally Posted by pearlnjewel (Post 20307266)

If one shot 150, consider how much things you can buy with that amount. 150 is not a lot but it can be a lot, depends how much one earns and how much time they have. Usually those busy are willing to splurgh because no time. 150 you can get a nice pair of dress shoes, nice sneakers, shorts, pants, shirts, chanel jo malone perfume. If skip chiong 20 times can maybe get a Omega entry level watch. Upgrade your personal taste and lifestyle.

FL still need to go so can destress and enjoy. But now the prices all up by around 40 percent and not much variety, heard the news Chinese tourist can come, earliest batch is 6th Nov maybe then more variety will come also and price will drop. For now save and think a lot of choice later on and cheaper prices.

Originally Posted by Xgenre (Post 20287603)

Set up at least 2 bank accounts. Decide an amount you wish to spend monthly and save the rest in the 2nd account. So if $4000 per month is enough for you, reset the bank balance in your first account to $4000 every time you get your pay. The rest of the money transfer to 2nd bank account.

As the month goes on, each time you withdraw money or check your balance, you know how much of this $4000 you had spent. If you spend $2000 in the first week, subconsciously you know you only have $2000 to spend of the next 3 weeks. This is a form of budgeting. You know how many percent of your monthly budget had been spent.

If at the end of the month you are left with $1000, then you know you only need to top up another $3000 To make it $4000 for the next month. As usual, any amount left from your pay is transferred to your 2nd bank account.

This is a simple check and balance way of budgeting your life.

Originally Posted by B88Bs (Post 20267171)

Thank you for your candid reply, I definitely relate to you there. Fortunately due to covid I have been able to rapidly save quite a good sum of cash to protect myself in case of rainy days. Plus there isn't any girl to spend it on these days so I'm quite thankful for that.

I have started setting aside a fund that consists of:
- 6 month reserve
- Small investments
- Contributions to a housing fund

I don't think the the idea that people won't teach you is necessarily true. I have been lucky to find a few friends that are willing to share their personal budgets and expenses (granted, they don't chiong). Usually it tends to be couples that BTO or just wedded and have to plan everything.