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#1
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How to budget so girls and FLs won't bankrupt you?
I think everyone here likes to chiong, anyone got any tips on how to budget chionging?
In the past, there have been times where I meet an exquisite girl or escort, ladies with double Ds and pussy that smells like strawberry wine. My infatuated mind would lead me to spend hundreds, and sometimes thousands, on them. For better or worse, I have met more than one such ladies and just went YOLO. The only thing that saved me from going into debt was my dislike for loans. But I would look at my expenses with regret and promise not to spend so much again... till I catch a scent of strawberry wine. So im wondering if any bros here have guidelines on how to budget when going chionging? Or maybe if you also believe in the YOLO mentality, give me a hug and tell me its okay to celebrate. |
#2
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Re: How to budget so girls and FLs won't bankrupt you?
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I have started setting aside a fund that consists of: - 6 month reserve - Small investments - Contributions to a housing fund I don't think the the idea that people won't teach you is necessarily true. I have been lucky to find a few friends that are willing to share their personal budgets and expenses (granted, they don't chiong). Usually it tends to be couples that BTO or just wedded and have to plan everything. |
#3
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Re: How to budget so girls and FLs won't bankrupt you?
Remind yourself they are letting you touch them and fuck them only because you are paying them. Not because they like you, and possibly even detest you.
If that thought makes you feel good then you’re fucked with regard your spending habits. If it makes you feel like shit, then maybe you want to do something about it and not feel like shit about handing them that money. Budgeting probably isn’t the real issue here. |
#4
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Re: How to budget so girls and FLs won't bankrupt you?
As any prudent financial adviser will say, decide on a portion of your income that u want to save/invest first...then u decide on what enjoyment and leisure u want to bestow on yourself. Many people do it the other way round...and then get fucked.
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#5
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Re: How to budget so girls and FLs won't bankrupt you?
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And dude you don't need permission to celebrate. Live life with this simple rule - do whatever you want without being an asshole, and always be ready to deal with the consequences of your actions. If you can follow this rule, you'll be fine. Since you feel regret, I don't think you are totally fine with spending that kind of money. So why continue down this path? Btw 6 months reserve is nothing. One major health issue and you are done. Think about that the next time you feel tempted to open your wallet for "strawberry wine". Good luck. |
#6
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Re: How to budget so girls and FLs won't bankrupt you?
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I am not insurance agency guy, but If you don't have a good insurance, 6 months reserve wouldn't do any good. but at the matter of fact, buying insurance causing you more money than what you expected to pay. However it has a benefit of flatten out your risk of bankrupt from major event, e.g. car accident or get HIV from strawberry wine. next is you budgeting, if you can't control yourself from overspend, you MUST put the money that you don't want to use aside after you get a paycheck, try to put it to different bank account/investment/ask your mom to keep it or any mode that it is hard for you to be mental breakdown and use it up. after you got your YOLO budget, enjoy lah bro don't forget to give me a good FR and ctcs enjoy your day
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please expected some delay for PMs, as I am busy with work and didn't check forum often. --------------------------- Points exchange welcome --------------------------- Last edited by Sogal; 25-10-2020 at 11:00 AM. Reason: typo |
#7
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Re: How to budget so girls and FLs won't bankrupt you?
Set up at least 2 bank accounts. Decide an amount you wish to spend monthly and save the rest in the 2nd account. So if $4000 per month is enough for you, reset the bank balance in your first account to $4000 every time you get your pay. The rest of the money transfer to 2nd bank account.
As the month goes on, each time you withdraw money or check your balance, you know how much of this $4000 you had spent. If you spend $2000 in the first week, subconsciously you know you only have $2000 to spend of the next 3 weeks. This is a form of budgeting. You know how many percent of your monthly budget had been spent. If at the end of the month you are left with $1000, then you know you only need to top up another $3000 To make it $4000 for the next month. As usual, any amount left from your pay is transferred to your 2nd bank account. This is a simple check and balance way of budgeting your life. |
#8
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Re: How to budget so girls and FLs won't bankrupt you?
girl does not like so stingy guy lel if she found out
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#9
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Re: How to budget so girls and FLs won't bankrupt you?
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Budgeting wise i have a checking and savings account, i have started portioning more cash into a higher IR savings account. I think covid has allowed me to build up a bigger safety net so far. |
#10
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Re: How to budget so girls and FLs won't bankrupt you?
If one shot 150, consider how much things you can buy with that amount. 150 is not a lot but it can be a lot, depends how much one earns and how much time they have. Usually those busy are willing to splurgh because no time. 150 you can get a nice pair of dress shoes, nice sneakers, shorts, pants, shirts, chanel jo malone perfume. If skip chiong 20 times can maybe get a Omega entry level watch. Upgrade your personal taste and lifestyle.
FL still need to go so can destress and enjoy. But now the prices all up by around 40 percent and not much variety, heard the news Chinese tourist can come, earliest batch is 6th Nov maybe then more variety will come also and price will drop. For now save and think a lot of choice later on and cheaper prices. |
#11
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Re: How to budget so girls and FLs won't bankrupt you?
Honestly to save more money... just download dating apps like tinder bumble or sugarbook to cheong there.. Just need skills and few tactics
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#12
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Re: How to budget so girls and FLs won't bankrupt you?
yes.. sometimes to have fun, we gotta be baller
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#13
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