[sgbuffett]

The way sgbuffett listed his criteria, confirmed he don't have kids..

I do agreed with some of the points, but I won't agreed with point 5 and 6..Take bicycle for 2-3 bus stops?? They posed as a risk to themselves, or to others..

Do you need to go polyclinic every time you get sick?? Yes, you might do it to yourself.. Will you do it to your kid (ie they are sick and you say take panadol and go and sleep)? No..

As for point 7, you might as well say go MRT station, library etc to enjoy free wifi and aircon.. No need to spend a single cent. Ensure all your friends are on LINE/Whatsapp so that they can contact you without you incurring mobile charges... In library, you can even charge your device there... Does it work, of course, do it make sense, up to individual.

I am not saying all my suggestions are suitable for everyone we just have to think harder and try harder to save ...there is not need to argue which of my suggestion is good or bad. They are just my personal examples.

There is no choice when you can't make ends meet.

Even if you can spend a bit more every month. You need to think of retirement you need to save that bit for retirement instead of spending it away!

The govt is preparing the people for shorter or non existent retirement yrs by pushing up retirement age. At the rate it is likely most will not have retirement a few decades from now.

I find the whole situation calls for more drastic personal action. Telling Jamus your problem will not achieve anything. If Jamus pushes too hard they will just fix him.