HOW TO TIGHTEN OUR BELTS WITHOUT FEELING THE PINCH

As if we are not burdened enough with the rise in the cost of living, the government has announced a sharp hike in toll rates starting today (15 Oct). Folks like me who depend on public transport are not spared either. Bus and train fares are expected to go up soon.

The Minister of Finance has delivered his Budget 2016. Once again, it is a huge disappointment for senior citizens and retirees. We are left with crumbs after all other sectors have been allocated their portion of the pie.

Looks like it's up to us to figure out how to cut down on our expenses without feeling too much pain. Here are 15 suggestions that might help.

1. Less is More

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