Money Smart

There is only so much that I can save ( I save 75% of my salary income ), without an increase in income, I won’t get any richer. With the current stagnation of salary increase, I must look elsewhere for side income. Otherwise inflation will catch up on me, and my stagnated salary will be just declining salary. So I looked online, to look for ideas on how to make money. There are plenty of suggestions out there on how to make money online. And I have tried almost all of them out. But I have limitations - time and physical capabilities. I already work 50 + hours per week. I am also a real estate investor who currently is actively in the market to find another investment property. I am also a share (stock) investor who always studies the market after hours. I don’t have time to do a side business like bookkeeping, cleaning, babysitting or dog sitting. I don’t have regular hours that I can dedicate to earn side income. So I must be looking for somethin...

Private Health Insurance premium keeps rising every year. Yet most wages and salary do not. Especially those in public sector who are still fighting very hard for increase in salary in the last 2 - 3 years So, saving for a few dollars here and there is crucial to me. This is how I managed to reduce one of my highest expenses that is Private Health Insurance expenses by 48%  all add up. The breakdown is: $96 or 9.4% initial discount on premium $150 gift card plus 1 month free ($77) initial incentive to sign up $100 gift card plus 1 month free ($77) to stay in the current cover A total saving of $496 a year or 48% Step 1 Call your current insurance company to lower down your current premium. Why calling? You hold the bargaining power with the sales operator who has certain responsibility to get sales (that is insurance sign ups) The purpose of calling them is to try to lower the premium that you are paying right now. So come prepared. Alw...