{"id":49015,"date":"2021-08-05T01:07:07","date_gmt":"2021-08-04T17:07:07","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=49015"},"modified":"2021-08-05T01:07:07","modified_gmt":"2021-08-04T17:07:07","slug":"practical-ways-manage-money","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/practical-ways-manage-money","title":{"rendered":"Practical Ways To Get Better With Money"},"content":{"rendered":"

A lot of money advice sucks, not because it\u2019s wrong, but because it\u2019s impractical.<\/p>\n

Maybe it\u2019s because people who\u2019re good at math\/finance tend to not be great with people. So we can understand how compounding interest across decades is an unstoppable force, but struggle to persuade a fresh graduate to save a hundred bucks.<\/p>\n

Personal finance is also highly contextual: a poor student has very different needs (and goals) than a middle-class mother of two. This makes it all very confusing. It\u2019s near impossible to give one-size-fits-all advice.<\/p>\n

This doesn\u2019t stop people from trying though. Here are some examples:<\/p>\n

1. Monitor your spending, then stop buying unnecessary s***<\/h3>\n

Figuring out what you\u2019re spending on, then reducing unimportant expenses is sound advice. In the corporate world, companies hire teams of people to do this. So you know it\u2019s the right thing.<\/p>\n

But correct doesn\u2019t mean easy.<\/p>\n

On the scale of 1-10 of money geekiness (1 being \u201cSo confusing, I\u2019ll just let my father figure it out\u201d \ud83e\udd37 and 10 being \u201cWarren Buffett is my idol\u201d), I\u2019m probably a 9. Even then, I struggled with tracking my expenses. It was such a chore to write down every expense; not to mention I was scared of what my friends would think.<\/p>\n

The other difficult part is removing unnecessary s***.<\/p>\n

Because we\u2019re all different, what\u2019s \u201cunnecessary\u201d for one person is another person\u2019s must-have. My wife saves money on groceries but loves her lattes. Nothing wrong with that. I drive an old second-hand car, but dream about Rolexes. Nothing wrong with that either.<\/p>\n

The key is to remember people aren\u2019t robots. We\u2019re not 100% rational \u2014 making decisions based on spreadsheets and algorithms. Instead, we want things that don\u2019t make financial sense. We get tired, moody and impulsive.<\/p>\n

\u201cDitch the lattes\u201d is noob advice.<\/p>\n

2. Save & invest 20% of your income<\/h3>\n

Saving money is like eating your fruits and veges. Everyone knows you should do it, but many struggle.<\/p>\n

One big reason: It\u2019s hard to save money when you\u2019re not making enough money. Sure, you could try to cut your expenses (Point 1), but there comes a point where you can\u2019t practically cut any more.<\/p>\n

This is especially true for people with low-income jobs, fresh graduates and the hardcore poor. Most personal finance advice is actually written for the middle class. If you\u2019re not in that group, or near it, financial benchmarks can seem like a faraway fantasy.<\/p>\n

It can also be depressing when you compare yourself to others:<\/p>\n

\u201cI\u2019m struggling to save even 6% of my RM 3,000 salary, while that famous FIRE guru is saving 60%. I\u2019m a failureee\u2026\u201d<\/p>\n

3. Do your own research<\/h3>\n

For most of my adult life, I\u2019ve been a DIY investor. I prided myself on reading lots of articles, fund fact sheets and prospectuses. (Yes that\u2019s a word.) I thought I could pick the best funds and monitor everything on my own.<\/p>\n

However, as I\u2019ve gotten older with more responsibilities, I simply don\u2019t have time anymore. Not only that, despite my best efforts, my track record of picking unit trusts has been abysmal. I recently sold a bunch that had given me just ~2% returns a year.<\/p>\n

Lesson learned: I\u2019ve greatly underestimated how much time and mental energy you need to manage a complex portfolio.<\/p>\n

What would you rather do at the end of a long work day? Review your investment portfolio, or eat ice cream with your family?<\/p>\n

I don\u2019t mean to oversimplify and say you should 100% follow your most basic desires. Yes, often the \u201cright\u201d things to do aren\u2019t comfortable. I\u2019m just saying, for something to be sustainable \u2014 whether it\u2019s money management, investments, or your side hustle \u2014 it\u2019s gotta be practical. It\u2019s gotta suit your lifestyle.<\/p>\n

Here are some practical ways to get better with money:<\/p>\n

Getting better with money, in a reasonable way<\/h2>\n

1. Use money to buy happiness<\/h3>\n

Stop judging yourself for buying stuff you like. Go ahead. Indulge yourself.<\/p>\n

How to do it in a responsible way?<\/p>\n

Instead of making your monthly budget all about restrictions, set aside money to \u201cblow\u201d every month. After you save money, remember to spend some fun money. Might seem like wasteful spending, but it\u2019s actually going to make you happier, and more likely you\u2019ll stick to your budget.<\/p>\n

\"money<\/a><\/p>\n

The exact amount depends on your unique situation, but Internet consensus says fun money should be somewhere between 10-30% of your monthly salary.<\/p>\n

Once you\u2019ve determined the amount, force yourself to spend it. Plan a trip. Buy a latte tower if you want. Even if you\u2019re unwilling to blow it on yourself, you can always buy something to make your wife\/husband\/parents\/kids\/friends smile.<\/p>\n

What good is all the savings in the world if it doesn\u2019t make you or your loved ones happier?<\/p>\n

2. Let your interests guide you<\/h3>\n

Going back to my earlier story about struggling to track my expenses. What really saved me was money tracking apps. It\u2019s become like a game now \u2014 it\u2019s fun, so I automatically do it. I now have a detailed record of my spending from the last five years.<\/p>\n

Earlier in my journey, I was fascinated with \u201chacking\u201d things like credit card benefits and loyalty points to save money. So I dived in and became good at it. Today, I\u2019m interested in investing, mainly crypto. I wouldn\u2019t claim I\u2019m great, but at least I\u2019m doing much better than my horrific unit trust picks.<\/p>\n

Meanwhile, I switched my career into crypto several years ago, so my primary income comes from there too. (Yes, I know I\u2019m blessed to work full time in something I\u2019m passionate about.)<\/p>\n

The point here isn\u2019t that I\u2019m smart or successful. The point is you\u2019re likelier to be good at something you\u2019re interested in. You\u2019ll be much more motivated to learn, and resilient even when things get tough. This is as true in careers as it is in personal finance and learning.<\/p>\n

Too much is focused on the negative \u201cDon\u2019t do this, don\u2019t buy that\u201d aspects of money. Let\u2019s flip the narrative. Personal finance should be fun. Positive. If there\u2019s just one thing that interests you about money today, don\u2019t stress the ten other angles that bore you.<\/p>\n

Explore the topic you like first, and build from there. If you haven\u2019t found that yet, keep exploring. There are so many angles to personal finance, so many different sources of content, and so many interesting personalities to follow nowadays.<\/p>\n

You\u2019re bound to discover something you like.<\/p>\n

3. Automate everything<\/h3>\n

What about the money stuff that\u2019s important but you don\u2019t like?<\/p>\n

Automate it.<\/p>\n

We\u2019re all overworked; it\u2019s hard enough to make time for things you love. There\u2019s no practical way you\u2019ll consistently do stuff you dislike. Maybe you find investing as scary as a trip to the dentist. Fine, instead of anxiously staring at your bank account every month, set up a sensible plan that auto-invests your salary.<\/p>\n

Get through the pain once, then forget about it. Wake up one day 10 years later and have a wonderful surprise when you see how much your investments have grown.<\/p>\n

Fortunately, there\u2019s an app for almost everything nowadays. It\u2019s easier and cheaper than ever to use technology to help. Some of my favorites are Monefy for expense tracking, and StashAway and Akru for robo-advisor investing.<\/p>\n

Another personal story: I talk about investing a lot. But you know which investment dominates my portfolio? My EPF retirement funds. Yeah, investments that I\u2019ve never touched. I still remember checking my EPF statement at the beginning of my career \u2014 lamenting it contained so little. Fast forward 14 years, and the magic of compounding has made it the largest portion of my investment portfolio.<\/p>\n

All my energy and effort over the years thinking about investing, and something automated beats it all.<\/p>\n

4. Accumulate small wins (so it\u2019s not intimidating)<\/h3>\n

Learning things you\u2019re interested in is a good motivator. Winning is an even greater one.<\/p>\n

It\u2019s one thing to visualize saving three months of expenses. It\u2019s another to actually see that amount in your bank balance. The feeling of financial security is priceless.<\/p>\n

Use goals and systems to help. Goals are to set direction \u2014 where you want to go. Systems are the practical routines to get there.<\/p>\n

For example, let\u2019s consider the standard \u201c20% for savings and investments\u201d target. This might sound crazy, if you\u2019re struggling to save even 5%. \u201cWhy even bother anymore? I\u2019m never getting out of this mess.\u201d<\/em> That\u2019s what unrealistic goals do \u2014 they kill motivation.<\/p>\n

Instead, start with a smaller goal: Increase savings by just 2%. Use a system to get there: Set monthly deductions in your bank account, and spend one hour daily on a side hustle.<\/p>\n

The important thing here isn\u2019t the exact amount. The important thing is improvement. Growth. Every small win gives you strength to tackle a bigger challenge tomorrow.<\/p>\n

5. Prioritize the big things<\/h3>\n

Your biggest expenses are likely housing, transportation and food. If you keep these under control, you should be okay.<\/p>\n

What does \u201cunder control\u201d mean? My favorite budget \u2014 especially for beginners \u2014 is the 50-30-20 budget. 50% of your salary for needs (e.g. rent, groceries), 30% for wants (e.g. eating out, hobbies), and 20% for savings and investments. Something like this is elegant: it\u2019s easy to remember, and practical for most middle-class people.<\/p>\n

Are there more theoretically-sound ways? Sure. Maybe a rigorous peer-reviewed paper will come out tomorrow saying the 42.0-28.1-23.0-6.9 budget is actually the optimal way to manage your money. But who\u2019d be able to remember a budgeting system like that?<\/p>\n

Instead of getting caught up in too much detail, most people would do better focusing on the three main priorities. Then carrying on with their merry lives. Again, as true in personal finance as it is in work.<\/p>\n

Once you get past a certain level, paying an extra RM 1 for a toll gate, RM 10 for a nice drink or even RM 100 for a nice donation won\u2019t make a difference.<\/p>\n

Don\u2019t sweat the small stuff.<\/p>\n

6. Keep learning, keep growing<\/h3>\n

No, there\u2019s no end state where you can claim to be the master of all things money. Rather, things change. You have to continue growing over the years.<\/p>\n

Reflection helps: Looking at data on how you\u2019re doing, adjusting your routine, then seeing how the changes affect your life. A continuous feedback loop of getting better and better.<\/p>\n

You can think about this in two ways: Maybe it\u2019s depressing to think we\u2019re on a constant treadmill; that the goalposts are constantly shifting, and you\u2019ll never end up in the winner\u2019s circle.<\/p>\n

On the other hand, if you look at life as an endless journey of growth, it can be one of the most motivating things ever. There\u2019s no need to feel bad if you suck at certain money things. No need to be jealous of your classmate and his shiny new car. No more pressure to be perfect at money, or have it all figured out before you\u2019re 35.<\/p>\n

It\u2019s adventure. It\u2019s freedom.<\/p>\n

Have fun.<\/p>\n

Aaron Tang is the founder of\u00a0mr-stingy.com<\/a>. He writes about optimising time, money, and relationships \u2013 to make the most out of life.<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

Hint: Don\u2019t sweat the small stuff.<\/p>\n","protected":false},"author":41,"featured_media":49018,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[256,218],"tags":[],"class_list":["post-49015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-money-management"],"acf":[],"yoast_head":"\nPractical Ways To Manage Your Money<\/title>\n<meta name=\"description\" content=\"Saving money is like eating your fruits and veges. Everyone knows you should do it, but many struggle. 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