Getting your first paycheck can be both exciting and scary at the same time! Torn between the freedom to spend your hard-earned money and save up for a rainy day? No worries, we'll share some tips and tricks with you. ;) 

“With great power comes great responsibility” – Marvel

1. Plan Your Salary

The first step to making smarter financial decisions is to be aware of your spending habits. When you plan for your first pay, you don’t just plan for your first pay but those subsequent paycheques that will start coming in too. The rule of thumb is to save 20% of your salary for emergency funds and future use + set aside 50% for expenses + 30% for future investments. 

2. Save 20% Of Your Salary

One tip is to transfer your salary into a different savings account with high interest rates.

3. Allocate 50% For Expenses

This may include student loans, paying off insurance plans, contributing to household bills and shopping. 

4. Invest With The Remaining 30% 

Rather than leaving all your remaining money in a savings account with very low interest rates, you can invest your money. This does not have to be high-risk and complicated, you can always start with a low-risk, monthly sum.

To learn more about personal finance and tips on savings / investments, check out Udemy and earn up to 30% Cashback via ShopBack>>

Now that you've got these tips at the back of your hand, let's shop on a budget! 

Travel Tips

  • Compare fares, book in advance and utilise the sale season
  • Travel during the off-peak season; Fly during odd-hours and schedules 
  • Backpack, travel light and avoid baggage fees 
  • Mingle with the locals and shop at local markets
  • Take public transport / bicycle
  • Stay in hostels or CouchSurf and talk to other budget travellers
  • Cook your own meals and pack it along with you
  • Research for free attractions, venture to off-the-beaten-path locations and enjoy the beauty of the country you're in
  • Use an International Student Identity Card (ISIC) for discounts 
  • Use a credit card that helps you sve up for frequent flyer miles
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Food Hacks

  • Plan your meals and cook at home
  • Shop with a grocery list and do not get tempted by sale items
  • Shop at local markets for cheaper prices
  • Buy items in bulk and split with friends 
  • Store ingredients correctly and reduce food wastage
  • Freeze ingredients / cooked meals before they spoil
  • Reuse the remains of your food ingredients / leftovers for your next meal
  • Learn how to use a slow cooker
  • Look for recipes that do not require obscure ingredients or out-of-season items
  • Bring your own reusable bags to carry your groceries to avoid any additional costs
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Fashion Tips

  • Look for clearance sales / end-of-season sales
  • Check out local flea markets / second-hand stores
  • Shop for clothes that can be mixed-and-matched
  • Get wardrobe staples / basics that will never go out of style (you'll never go wrong with a LBD little black dress)
  • Shop with a list and do not get tempted by sales
  • Sign up for newsletters to be notified of the latest sales
  • Join the Sell / Swap groups 
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