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I have not helped anyone in managing their finance but I do share with my friends some savings tips, and how to generate passive income.

We do not have water tax but we do have water bill which needs to be paid. I try to reduce use of water by taking showers instead of having baths.

I buy dividend paying stocks. Receiving dividends is one of my main source of passive income. It is necessary for me to stay updated on industry trends so that I can choose the right stocks to buy. I have done the things you mentioned and they do help.

I do not travel in peak seasons. The main reason is airfare and accommodation are much more expensive. Another reason is the destination will be more crowded during holidays.

It is true that living in rural area costs less. But in my city, most of the amenities are in city areas. In rural area, you may not even have internet which I consider essential in particular for people working from home.

During the pandemic, I used paper towels for hygienic reasons. Now, I mainly use cloth towels for cleaning and drying my hands after washing. That helps me to save some money.

I love music and singing. And I play musical instruments. I hope that someday I can write a song which can be published so that I can receive royalty.

I have heard of Honeygain but not Peer2profit. I do not have any knowledge on how to earn from such platforms. From the messages here, it appears that Honeygain is not worth trying.

Sorry to learn about your situation but it's good to know that your government offers financial assistance to people with disability. In my city, the government does not offer financial support specifically for disabled people.

Wow, you are doing great. You have so many people interested in reading your ebooks. I am not into selling ebooks to generate passive income. My sources of passive income are mainly from interests of my fixed deposit account and dividends from stocks I bought.

If your emergency is exhausted, you have to save from the start. In my city, when a disaster occurs, and people needs urgent money to rebuild their home, they can apply for government assistance.

I remember when I was working full time, we used to get an additional month's salary during year end. In one year, as the business of the company was doing well, we got 15 months' salary. I was thrilled.

I always look for good deals such as buy one get one free. When there is promotion, I buy in bulk. I do exercise every day and I just cook the right amount of food so that there is no leftover.

I am pretty satisfied with the management of my personal finance. I stick to my saving goal every month by putting a portion of my earnings into a fixed deposit account. I am debt free. I can enjoy traveling overseas once in a while.

I do not create a budget but have a rough estimate of how much I can afford to spend every month. I never spend more than I earn, and I just buy what I need.

I buy in bulk when there are discounts or deals like buy one get one free. I use credit card to get cash back but make sure I pay the credit card bill on time so that I do not have to pay any interest. I also join free loyalty program to get reward points which can be converted into cash when...

Here, if you are not repaying your loans on time, your collateral will be auctioned, or your guarantor has to pay the money for you.

I have never borrowed money from anyone. But if I owe somebody money, I think I would feel pressured until I repay all my debts.

I put a portion of my monthly earnings to a fixed deposit account every month. I have been doing this for years. Due to compounding effect, the balance in my fixed account has increased quite substantially.

My current saving goal is to have enough money to live a comfortable life when I retire. I love traveling. I hope I am physically and mentally sound and can afford to visit a lot of places.