Cekodok may seem like a small expense because it costs around RM2 to RM4. However, when these small purchases are made repeatedly, the amount can affect the monthly budget without us realizing it.
RM3 per Day RM720 per Year
For example, if you buy a RM3 cekodok every day for 20 working days, the amount becomes RM60 per month.
If this habit continues for a year, the expense can reach RM720. This value may seem small for a single purchase, but becomes large when added up.
The problem is not in buying cekodok, but when each small expense is considered 'only RM3'.
In addition to cekodok, we may also buy RM3 water and RM5 snacks. If the total daily expense reaches RM11 and is made for 20 working days, the monthly cost can reach RM220.
Self-Supply Can Save
One way to reduce daily expenses is to bring supplies from home. For example, if the food budget is set at RM5 per day for 20 working days, the total is around RM100 per month.
Compared to spending RM11 per day or RM220 per month, we can save about RM120.
It's not RM3 that's the problem
Small expenses don't necessarily have to be avoided completely. What's important is to look at the frequency and total amount spent.
In managing finances, it's not just big expenses that need attention. Sometimes, small expenses done consistently can be among the causes of money running out quickly without us realizing it.
