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When I retire, I will continue to make some investments in stocks. But I would like to spend some time traveling overseas and do some volunteer work.

I use three different banks, and they all offer online banking free of charge. I seldom go to bank branches nowadays. I do all the transactions online.

Having my own apartment is one of my goals. I am glad that I have achieved this goal. I have worked hard and lived a frugal lifestyle to save enough money to buy an apartment. Now, I have paid off the mortgage loan and do not have to worry about paying rent.

No, I do not earn passive income by selling digital products. My sources of passive income are mainly from the interest I earn from my fixed deposit account, and the dividends I receive from the stocks I buy.

I have been working as a freelancer for eight years. At the beginning, my income was not very stable. But when I built up my reputation, I get jobs much more easily. Now, I have a loyal and stable customer base. My income, though not exactly the same amount every month, is relatively stable.

As long as the income can cover basic needs, low earners can still save a bit of money. They make also try to find extra sources of income.

If you have the capital, investment in real estate and receive rental is the best source of passive income. Otherwise, invest in dividend paying stocks and bonds.

In summer, I like rainy days because having rain helps to lower the temperature. But I dislike pouring rain and thunderstorm. It may cause flooding in some areas.

Rice is staple food here. We usually have white rice. Occasionally have red rice or brown rice. Maize meal is not that popular, but some people do have them once in a while.

I mainly save on a monthly basis. I put a portion of my monthly earnings into a fixed deposit account. I have been doing that for quite some time.

I am not married and am living alone in my own apartment. I take care of everything myself including managing my personal finance. I seek advice from financial expert when necessary.

I consult my bank relationship manager not just on methods of getting passive income, but mainly for investment. I got very good advice from him.

I have studied economics and accounting for my MBA program. I also pick up some financial knowledge by reading articles on magazines and financial newspaper.

I don't skip meals to save money. Health is my top priority. I need to have a well-balanced diet. You do not need to spend a lot of money to eat healthy.

I don't have any particular techniques. I just put a portion of my monthly 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 substantially.

I am not aware of any cashback apps. I use credit card to get cashback. I also join free loyalty program which rewards points which can be converted into cash when you make a purchase.

No, I am not using any money management apps. I just use Excel to do budgeting and manage my personal finance. I have been using Excel for many years.

I put most of my money in a fixed deposit account so that I can earn more interest. Other than that, I invest in stocks and mutual funds.

When the economy of the country is bad, real estate's prices will decline; stocks market will enter into a bear market. Companies cannot afford to raise your salary.

I put a portion of my earnings into a fixed deposit account every month; I always look for good deals such as buy one get one free; I join free loyalty program which rewards points which can be converted into cash when you make a purchase; I use credit card to get cash back. I never paid any...