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This Is What NOT To Do When You Get Your Salary So You Don't Stay Broke

Stop living paycheque to paycheque.
04 Oct 2021, 05:20 PM
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Young woman broke holding empty wallet payday

Image via Shutterstock

It’s that time of the month we actually look forward to… payday! Regardless of when you get your salary (or monthly allowance), it’s always rewarding to ‘discover’ more money in your bank account because you can finally stop telling your friends you’re broke for a second.

But if you’re not careful, you may actually be living paycheque to paycheque every month! Always remember to pay yourself first (start saving or investing your money) before you fall into these traps:

Spending on a large impulse purchase

Ahhh… the age-old needs vs wants debate. But it still rings true for good reason! Unless it’s absolutely necessary, like replacing your decade-old laptop or dying phone, sleep on it for a few more nights or weeks before jumping the gun. Call it impulse buying or retail therapy, four out of five times, you’ll soon realise that it’s something you don’t even need.

Checking out online shopping carts

For the past few years, dates that have the same day and month in numbers have turned into a special day where every lifestyle brand out there decided to put out big sales and discounts. We know some of you have plenty of items sitting in your wishlists and carts on various e-commerce platforms, waiting to click ‘check out’. If you don’t need it now, hold your fingers!

Withdrawing all your cash immediately

There’s a danger in withdrawing the rest of your salary after paying your commitments. It makes it easier for you to spend it all in a matter of days without taking your savings and emergency funds into consideration. Gone are the days when we store cold, hard cash in our locked drawers or under our beds. Keep your money in a high-interest savings or fixed deposit account and forget about it!

Reading promotional emails and subscriptions

These emails and notifications are as straightforward as they get. They know when it’s payday and try to lure you with all the deals and offers for, again, things you don’t need at this very moment. The next thing you know, you’ll be asking yourself at the end of the month, “Where did my money go?” If it helps, think about unsubscribing to brands you no longer use or sites you don’t follow anymore. This way, you’ll have a few less temptations to fall into.

Splurging on a fancy meal

It’s not wrong to treat yourself to an expensive meal and satisfy your gastronomy urges every once in a while. But if you’re throwing more than half of your monthly expenses on food alone, you probably need to rethink some of your food choices. What’s the point of feasting like a king for a day if you’ll be eating like a pauper for the rest of the month?

You may say that you’re not one to splurge, but the little things we buy every day, like food, groceries, and essentials, can add up too. So Lotus’s Stores want to help you maximise your savings on big brands that you’re already using and free up your expenses for the rest of the month!

From now until 8 October, Lotus’s is giving away daily coupons for you to enjoy more savings and value for money on fresh ingredients, daily essentials, and more.

Here are the brands available for redemption all this week:

Big Savings Promo Monday, 4 October

  • RM3 off with a minimum purchase of RM20 on baked goods
  • Save RM5 when you spend a minimum of RM25 on Kellogg’s products
  • RM20 instant rebate when you spend RM200 and above on Philips kitchen appliances and personal care products

Big Savings Promo Tuesday, 5 October

  • Buy 1 Free 1 on Hwa Tai Luxury Crackers 223g in Original, Vegetable, and Cereal with Chia Seed flavours
  • RM5 off with a minimum purchase of RM40 on seafood
  • RM10 off when you spend a minimum of RM80 on Scotch Brite products

Big Savings Promo Wednesday, 6 October

  • RM3 off with a minimum purchase of RM30 on Dettol products
  • Save RM3 when you spend RM25 and above on all ice cream
  • RM3 off when you spend RM30 and above on any Shieldtox, Air Wick, and Vanish products

Big Savings Promo Thursday, 7 October

  • Save RM3 when you spend RM30 and above on Sunsilk hair products
  • RM3 off with a minimum spend of RM15 on Glo, Softlan, and Ajex products
  • Save RM20 when you spend a minimum of RM100 in your total bill (limited to the first 5,000 customers only)

Big Savings Promo Friday, 8 October

  • RM2 off with a minimum spend of RM40 on all Breeze products
  • RM3 off with a minimum purchase of RM25 on Safi shampoo and body products
  • Save RM5 when you spend RM25 and above on Colgate products

Remember to click here or visit HITZ’s Facebook page every day from today (4 October) until 8 October to redeem the Lotus’s Store coupons, use them at any Lotus’s store before 24 October and enjoy big savings on big brands!

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