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I also think that I have made the mistake of not started saving and investing when I was in the 20s. I did it when I was in late 30s.

I also wish that I have started savings for retirement when I was in the 20s. But it's never too late. I started savings in my late 30s. I hope I can save enough money by the time I retire.

I use credit card for cash back. I always find good deals such as buy one get one free. I also join loyalty program which reward points for purchase. The points can be converted into cash once they accumulated to a certain amount.

I do not set short-term or long-term savings goal. I just put a portion of my earnings into a fixed deposit account every month. I have been doing this for a number of years.

I have one pair of New Balance sneakers and one pair of Addidas sneakers. Both are fine with me. If I really have to pick one, I prefer Addidas.

Generally speaking, flooding is not too serious in my city. But when typhoon hits or there is heavy rainfall, there is flooding in some areas.

Although flooding is not serious in my city during heavy rainfall, I do have a pair of durable rain boots. I do not want my shoes and feet to get all wet.

Selling eggs is a very competitive business here because supermarkets, large and small groceries stores are all selling eggs. They offer eggs from different countries such as US, Japan, Singapore.

I put a portion of my earnings into a fixed deposit account every month. I have been doing this for quite some time. Due to compounding effect, the balance in my account has increased quite a lot. As for investment, I like to buy dividend paying stocks. Dividends are a great source of passive...

I will go to check things out when there is a sales promotion in a store. I only buy things I need if it is a good deal.

Same here. I basically buy what I need, but occasionally reward myself by having fine dining or travel overseas to enjoy myself. I do not have a fixed budget, but I have a rough estimate of how much I can afford to spend.

If I have enough capital, I will use them to start my business instead of taking out a loan. I do not like paying high interest and worry if I am not able to repay back the loan should the business fails.

I agree with this. The rich make money work for them. They invest to grow their wealth. They work hard and are smart in making the right investment choice.

To me, financial freedom means having enough money in the form of cash and investments to do whatever you want. You do not need to worry about not having money to pay your bills, can travel overseas once in a while, buy what you want and live your dream lifestyle.

I am a freelancer. As I have a relatively stable client base, I have enough work to do. I can save more than $200 a year.

Yes, I've enjoyed pedal boats. It was fun and was a good exercise too. I also enjoyed rowing boat. As a matter of fact, I am pretty good at rowing boat. I can row very fast.

I think it's a good thing everyone can vote. But there should be an age limit. We cannot expect a 7-year-old kid to vote. People living in an authoritarian rule cannot vote and choose their leader.

As I have very sensitive skin, I use extra gentle body wash and plain water for my shower. I've heard that bath salts have some health benefits such as relieving pain and stress. But I dare not to use them.

I am grateful that I have not encountered such a situation. Hope I will not in the future too. It must be a very frightening experience.

I have never made money through writing. As English is my second language, I can speak and write English, but not perfect English without grammatical mistakes. It will take me a long time to write an article which is error free. I prefer to spend time doing other tasks.