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<h2>When it comes to savings, the general consensus is that you should set money aside and do your best to never touch it</h2>
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<p>In fact, there is a plethora of articles, self-help books, and videos out there that teach you how to build up your savings and avoid dipping into it. Some common tips you&#8217;ll come across include:</p>
<p>&#8211; Setting up a separate bank account for your savings<br />&#8211; Setting up an emergency fund for unexpected expenses<br />&#8211; Setting up a sinking fund for expected expenses (such as gifts, car maintenance, etc)<br />&#8211; Spending only after you save<br />&#8211; Adjusting your budget and cutting expenses<br />&#8211; Picking up side hustles to earn more money</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.vecteezy.com/photo/24594777-saving-money-investment-for-future-female-woman-hands-holding-pink-piggy-bank-and-putting-money-coin-saving-investment-budget-business-wealth-retirement-financial-money-banking-concept" rel="noopener">Iuliia Zavalishina/Vecteezy</a></small>
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<h2>The concept of &#8216;not touching your savings&#8217; was precisely what I adhered to and earnestly tried to follow during the first few years of my career.</p>
<p>And it worked&#8230; Until it didn&#8217;t.</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.mecuanywhere.com/brokenpiggybank/" rel="noopener">Members Exchange Credit Union</a></small>
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<p>Here&#8217;s the thing: During the first few years I started working, despite earning less, I still managed to save RM100 to RM200 each month, and even up to RM500 in a good month.</p>
<p>I even began employing the &#8216;save before you spend&#8217; method, setting up auto-billing to save a portion of my salary whenever it came in.</p>
<p>The funny thing is that as I progressed in my career, and my salary increased, so did my living expenses. It&#8217;s not like I was splurging on branded items or RM100 meals all the time, but having friends (and a partner) just meant that there were more things to spend on, and I was fine with that.</p>
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<h2>As I grew older, I also began to realise there was a lot more adulting that needed to be done — and most of these things cost money</h2>
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<p>Whether it was taking a flight back to Penang to see family every other month (RM200), attending friends&#8217; weddings (RM150 per wedding), or paying for car insurance and road tax (RM1,000), there were some months when there just wasn&#8217;t enough money to save, no matter how hard I budgeted.</p>
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<p>By then, I had already accumulated a comfortable safety net, or emergency fund, or whatever you want to call it. But I just felt like it was money I should never have to touch.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.freepik.com/free-photo/man-try-fix-car-engine-problem-local-road_4668836.htm#query=car%20repair%20asian&#038;position=17&#038;from_view=search&#038;track=ais&#038;uuid=ca493658-400d-4f83-9005-d6bb6e665a7b" rel="noopener">jcomp/Freepik</a></small>
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<h2>The kicker came when I went through three major life changes back to back: Getting married, buying a house, and having a kid</h2>
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<p>At each phase, I would still try my very best to budget and track my monthly expenditure meticulously. The only problem was that whenever there was an unforeseen expense, or a meal I had while eating out with friends, I&#8217;d feel super agitated because I felt I was &#8220;overspending&#8221;.</p>
<p>Naturally, I ended up having to dip into my savings and would often feel unhappy.</p>
<p>But then, a very wise person (a.k.a. the wife) one day asked me, <b>&#8220;What&#8217;s the point of you having savings anyway? Isn&#8217;t it so that you have money saved up for unforeseen occasions like this?&#8221;</p>
<p></b>That&#8217;s when my perspective towards savings started to shift, and I became a little more okay to dip into my savings. (But before you overreact, I have an explanation below)<b><br /></b></p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">Jeremy Ng/SAYS</a></small>
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<h2>First of all, I&#8217;m not saying you should be dipping into your savings for whatever you want or splurging all the time just because you can</h2>
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<p>Behaving like this is dumb, and you&#8217;ll end up not having anything saved up for when you really need it.</p>
<p>But what I am saying is that it&#8217;s okay to dip into your savings for specific occasions or seasons of your life. And however much you want to dip into is entirely based on what&#8217;s important to you.</p>
<p>For instance, nowadays, I wouldn&#8217;t mind forking out RM500 on a big family dinner to celebrate a parent&#8217;s birthday or a family member&#8217;s milestone because, family is important to me. Or, if my wife and I need to dip into our savings every month to pay for our kid&#8217;s daycare — we&#8217;d do it because it gives us the time and space for our careers, which is something we both value.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.pexels.com/photo/person-paying-at-a-counter-using-debit-card-6605257/" rel="noopener">Kampus Production/Pexels</a></small>
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<h2>One thing that has helped me come to terms with &#8216;touching my savings&#8217; is being intentional about what I&#8217;m using the money for</h2>
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<p>Back to the example of daycare, what I did was to take out a sum from my savings and say, &#8220;This is the amount I&#8217;m allocating for the year<b> towards this specific purpose</b>&#8220;, and I was okay with it.</p>
<p>Another thing that shifted my perspective was <b>understanding that everything is for a season</b>. I know that I won&#8217;t be earning the same salary forever, and I know that I won&#8217;t be paying for daycare forever either. Recognising that there are seasons that are more financially demanding than others has taught me to be kinder to myself.</p>
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<h2>Of course, the end goal is to be able to save more every month and afford to spend on things I want without feeling guilty</h2>
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<p>But along the way, I&#8217;ve come to realise that it&#8217;s okay if I have to use some of my savings once in a while or for a season.</p>
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<h2>Learn how to grow your money on SAYS!</h2>
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<h2>For more #money stories:</h2>
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<p>It could take up to five years to go through the entire process.</p>
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<h6><a href="https://says.com/my/p/lifestyle/9-simple-ways-to-invest-rm1-000-in-malaysia-2024" class="ga-curator-related">&#8220;So You Have RM1,000&#8221; — Here&#8217;s A Simple Guide On How To Start Investing In Malaysia</a></h6>
<p>There&#8217;s actually a lot you can do with RM1,000 in Malaysia.</p>
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"Never Touch Your Savings" — Here's Why I Disagree With This Financial Advice

“Never Touch Your Savings” — Here’s Why I Disagree With This Financial Advice

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<p><p><i>This Spotlight is sponsored by Nespresso.</i></p>
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<h2>Do you know how much you actually spend on coffee?</h2>
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<p>Depending on where you get your coffee from, a long black or basic latte in the Klang Valley usually costs a minimum RM10. That&#8217;s not even counting speciality drinks.</p>
<p>To put things into perspective, if you drink coffee every day, you&#8217;d be spending <b>a whopping RM300 a month on coffee</b> (30 days x RM10), or RM3,650 a year (365 days x RM10)!</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://unsplash.com/photos/person-making-latte-art-nzyzAUsbV0M" rel="noopener">Fahmi Fakhrudin/Unsplash</a></small>
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<h2>But don&#8217;t worry, &#8217;cause there is a more affordable way to get your daily dose of coffee — Nespresso has got you covered with its machine subscription plan</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.nespresso.com/my/en/machine-subscription#/" rel="noopener">Nespresso</a></small>
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<p>In case you didn&#8217;t know, Nespresso offers a convenient coffee experience with its easy-to-use coffee capsules and coffee machines.</p>
<p>Nespresso does not skimp on quality either, sourcing premium coffee beans from various regions worldwide. These beans then undergo meticulous processing and roasting for optimal flavour extraction. This results in a consistent cup of coffee every single time with a rich flavour, aromatic profile, and smooth texture.</p>
<p>Furthermore, Nespresso has a team of experts who rigorously test and blend different coffee varieties to create unique and balanced flavour profiles. Whether you enjoy a light, fruity brew, or a dark, intense roast, Nespresso has a nice variety of coffee capsules to choose from — there are even limited edition seasonal capsules too.</p>
<p>If you&#8217;re thinking, &#8220;A coffee machine and coffee subscription sounds expensive,&#8221; we&#8217;ve got good news!﻿</p>
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<h2>Nespresso&#8217;s machine subscription plan starts from RM80 per month, with an upfront charge of just RM50 for your machine</h2>
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<p>You&#8217;ll be paying as low as RM80 a month for 12 months, but here&#8217;s the cool thing — the full RM80 you pay is converted into Nespresso credits that you can use to buy coffee capsules or accessories.</p>
<p><b>Essentially, you are paying RM50 to own a brand-new Nespresso coffee machine</b><b>&nbsp;</b>(it costs RM699 to RM1,899 on its own), which also comes with a two-year warranty.</p>
<p>P.S. Your Nespresso machine even comes with a sampling kit, so you&#8217;ll actually get to try a variety of popular Nespresso coffee capsules for free!</p>
<p>What&#8217;s more, after 12 months of subscription, the Nespresso machine is still fully yours, and you&#8217;ll be transitioned to the Coffee Subscription Plan, where Nespresso will top up 10% of credit for you every month — that equals to extra 3 cups of coffee per month!</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">Nespresso</a></small>
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<h2>Here&#8217;s a closer look at Nespresso&#8217;s machine subscription plans:</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">Nespresso</a></small>
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<p>For a limited time, you can also get the Vertuo Next (RSP: RM1,199) via Nespresso&#8217;s machine subscription plan for RM150 per month and the same upfront charge of RM50.</p>
<p>The machine allows you to choose from six different cup sizes in just one touch, letting you enjoy your favourite espressos (40ml), double espressos (80ml), gran lungos (150ml), mugs (230ml), altos (355ml), and carafes (535ml).﻿</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.nespresso.com/my/en/order/machines/vertuo/nespresso-vertuo-next-white-coffee-machine" rel="noopener">Nespresso</a></small>
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<h2>So, how much do you actually save by drinking Nespresso compared to buying coffee from your usual spots?</h2>
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<p>On average, one Nespresso coffee capsule comes up to less than RM3, which means you&#8217;re potentially saving RM7 a day if you&#8217;re comparing to the amount that you are paying for your usual coffee (RM10).<br />﻿<br />With the RM80 Nespresso machine subscription, you should have enough credits to buy three sleeves of coffee capsules (3 x 10 capsules) each month, which should last you throughout the month.</p>
<p>After a one-year subscription, you&#8217;ll probably end up paying a total of RM1,010 (RM50 + RM80 x 12 months). Now, if you compare that with café coffee, drinking Nespresso could save you over RM2,600 a year!</p>
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<h2>Find out how you can sign up for a <a href="https://www.nespresso.com/my/en/machine-subscription#/" target="_blank" rel="noopener">Nespresso machine subscription plan</a> today!</h2>
</div>
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<p>Or learn more about their machines, coffee capsules, and accessories by visiting their <a href="https://www.nespresso.com/my/en/machine-subscription#/">website</a>.</p>
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<h2>For more <a href="https://says.com/my/makan" target="_blank" rel="noopener">#makan</a> stories:</h2>
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<p>And what&#8217;s the difference between ice cream and gelato?</p>
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<p>Nasi lemak but crunchy.</p>
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<p>The king of the king of fruits.</p>
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<h2>Got some cool brand news to share?</h2>
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<p><p>Take a look at all of our Spotlight stories to date <a target="_blank" rel="nofollow noopener" href="https://says.com/my/stories/tagged/saysspotlight">here</a>.</p>
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<h2>Catch up on the latest brand buzz in Malaysia:</h2>
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<p>It&#8217;s not too late to join the celebration! You can still win amazing cash prizes up to RM31,888*.</p>
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<p>All it takes is a little bit of understanding and consideration!</p>
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How Much Do You Spend On Coffee? This Plan Could Save You More Than RM2,600 A Year

PTPTN

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<p><p><i>Follow us on </i><i><a target="_blank" rel="nofollow noopener" href="https://www.instagram.com/saysdotcom/">Instagram</a>,&nbsp;</i><i><a target="_blank" rel="nofollow noopener" href="https://www.tiktok.com/@saysdotcom">TikTok</a></i><i>, and&nbsp;</i><i><a target="_blank" rel="nofollow noopener" href="https://whatsapp.com/channel/0029VZzynzi6RGJG0QbRfy3O">WhatsApp</a></i><i>&nbsp;for the latest stories and breaking news.</i></p>
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<h2>Ever wondered what your life will look like 20 years from now?</h2>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.freepik.com/free-photo/close-up-japanese-family-having-fun_18007963.htm#page=3&#038;query=asian%20relaxing%20older%20mother%20daughter&#038;position=46&#038;from_view=search&#038;track=ais&#038;uuid=4f247504-fd15-44a0-ad12-e9077ae96114" rel="noopener">Freepik</a></small>
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<p>Will you be happily retired, living a lavish lifestyle, or will you be contented with a simple, fulfilling life?</p>
<p>While it&#8217;s not something we often think about, our future is very much related to the way we&#8217;re living today. How we spend and how we save could actually have a big impact on where we are financially 20 years down the road.</p>
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<h2>Don&#8217;t worry, we&#8217;re here to help! Tell us your everyday spending habits and we&#8217;ll give you an idea of how rich you&#8217;ll be in 20 years:</h2>
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<p><p><b>Quiz not loading? Just hit &#8216;Refresh&#8217; and try again!</b></p>
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<p><i>Note: This quiz is for entertainment purposes only. Dun so serious, okay? 🙂</i></p>
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<div class="fitvidWrapper"><iframe loading="lazy" id="interactApp65b862ebdee5cf0014130746" width="800" height="800" style="border:none;max-width:100%;margin:0;" allowTransparency="true" frameborder="0" src="https://quiz.tryinteract.com/#/65b862ebdee5cf0014130746?method=iframe"></iframe></div>
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<h2>Ultimately, your spending and saving habits today could have a great impact not just on your future, but also your children&#8217;s!</h2>
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<p><p>20 years down the road may seem like a long time away, but if you think about it, that&#8217;s probably when you&#8217;ll need to be paying for your children&#8217;s education. And there&#8217;s no better time to start preparing for it than right now!</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="https://www.freepik.com/free-photo/medium-shot-parents-kid-indoors_14530255.htm#query=asian%20kid%20student%20parent&#038;position=17&#038;from_view=search&#038;track=ais&#038;uuid=06149e2e-1900-42ea-81b2-31275836699b" rel="noopener">Freepik</a></small>
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<h2>One of the best ways to start saving for your children&#8217;s education is with The National Education Savings Scheme, a.k.a. Simpan SSPN</h2>
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<p>Administered by The National Higher Education Fund Corporation (PTPTN), Simpan SSPN is a government-backed savings scheme designed to help parents save for their children&#8217;s education.</p>
<p><b>Furthermore, saving with Simpan SSPN comes with a host of benefits:</b><br />&#8211; You can enjoy tax relief of up to RM8,000 a year<br />&#8211; It comes with takaful protection<br />&#8211; It sets aside funds specifically for education, so you won&#8217;t dip into it for other reasons</p>
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<h2>When you save with Simpan SSPN, you&#8217;ll also be entitled to join Cabutan WOW! Simpan SSPN 2024, which has prizes worth over RM1.3 million up for grabs, woah!</h2>
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<p><iframe loading="lazy" width="560" height="315" src="https://www.youtube.com/embed/B-B5Yvwcqro" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></p>
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<p>Cabutan WOW! Simpan SSPN has always been a highlight for Simpan SSPN depositors. During PTPTN&#8217;s recent event, they announced the winners of Cabutan WOW! Simpan SSPN 2023 Kategori Cabutan Tahunan, who walked away with cash prizes of RM150,000 (first place), RM50,000 (second place), and RM10,000 (third place).</p>
<p><b>This year, PTPTN is continuing its tradition of big giveaways, with all kinds of amazing prizes up for grabs.</b></p>
<p>First of all, you could stand a chance to win the main prize worth RM10,000 in cash (one winner) or a RM500 consolidation prize (180 winners) with Cabutan WOW! series throughout the year:</p>
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<p>But what&#8217;s even more exciting is that you could be driving home a brand new <b>Proton X90 Flagship</b>,<b> Proton S50 Flagship</b>, or<b></b><b> Proton X70 Flagship X&nbsp;</b>motorcycle<b>&nbsp;</b>when you save with Simpan SSPN. Besides these grand prizes, you could also be bringing home <b>up to RM30,000 in cash</b>.</p>
<p>Depending on your savings tier, you&#8217;ll be eligible for different giveaways — the more you save, the bigger your rewards!</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">PTPTN (Provided to SAYS)</a></small>
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<h2>The best part? All you need to do is deposit a minimum of RM50 with Simpan SSPN to join this giveaway.</h2>
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<p>For every RM50 you deposit with Simpan SSPN Prime and Simpan SSPN Plus, you&#8217;ll automatically get one draw and two draws, respectively.</p>
<p>But there are ways to up your chances of winning even more!</p>
<p>Earn five draws when you deposit RM50 into Simpan SSPN Prime through the myPTPTN app, direct debit, or through salary deduction. Or earn ten draws every time you deposit RM50 into Simpan SSPN Plus through the same three methods above.</p>
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<p>                <small class="img-credit">Image via <a target="_blank" href="null" rel="noopener">PTPTN (Provided to SAYS)</a></small>
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<h2>Ready to build a bright future for your children? Start depositing into <a href="https://www.ptptn.gov.my/CabutanWOW2024/" target="_blank" rel="noopener">Simpan SSPN</a> today!</h2>
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<p>Learn more about Cabutan WOW! Simpan SSPN 2024 on their <a target="_blank" rel="nofollow noopener" href="https://www.ptptn.gov.my/CabutanWOW2024/">website</a>.</p>
<p><a target="_blank" rel="nofollow noopener" href="https://www.ptptn.gov.my/CabutanWOW2024/wp-content/uploads/2024/01/Terma-Syarat-Cabutan-WOW-Simpan-SSPN-2024_Final-1.pdf"><i>Terms and conditions</i></a><i> apply.</i></p>
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<h2>For more #education stories:</h2>
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