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Why Your Salary Is Not Enough

>> Tuesday, March 29, 2011

Ever complain about not earning enough and not having sufficient to spend. While it is good to be competitive and strive to improve the financial earning capability, balance approach is also to appreciate what one has currently.

1. Keep Comparing With Others
Even if you were to strike the jackpot and win $1 million, you would still feel poor! There will always be someone richer than you, unless you are Carlos Slim, who is the richest man in the world at the moment. When you want everything, anything short of achieving that would come as a disappointment!

2. Living A Lifestyle Ahead of Schedule
Affordability is relative. If your salary is $50k annually but you try to live the $100k lifestyle, your salary will never be enough! Delayed gratification will get you further, i.e. living the $50k lifestyle even if you are earning $100k.

3. The Glass Is Half Full
Salary is like a fixed amount of coffee being dispensed from a kopi machine. If you use a 250ml cup, it is just nice and full. However, if you use a 500ml cup, you will be disappointed as it is only half full. The coffee didn’t change, but the container (the expectation) did.

4. Unnecessary Expenses
Top 10
1. Coffee (Especially over priced ones like Starbucks, on second thought, maybe now it should also include over priced bubble tea like KOI)
2. Cigarettes
3. Alcohol
4. Bottled water
5. Frequent taxi trips
6. Car washes
7. Weekday restaurant lunches & dinner
8. Vending machines snacks/drinks
9. Interest charges on credit card bills
10. Unused memberships

Well, it is not about being miserly. Search for alternatives, there could be a less expensive option.


Createwealth8888 March 29, 2011 at 8:02 AM  

I am addicted to kopi-o siew dai. LOL

Anonymous April 14, 2011 at 12:24 PM  

Whenever I look at my worldly material posessions, they bring me some pleasure not because i have a lot or the best amongst the bests, but simply because most of them are with me at least 10 years to "donkey's" years. And i consider it is one of the blessings from above to have my posessions last so long.
I totally agreed if you don't have to spend money "unnecessary", you are going to be rich one day. Or you are already rich now.
And this blessing can then allow you to choose a better dollar- valued option when the time come you need to replace one of your material posession or even some necessary "service" like dental treatment.

Lau April 16, 2011 at 5:16 PM  

Kopi-o siew dai is the best. =)

Temperament, it is indeed a blessing to know when to be satisfied.

Jack Phang May 27, 2011 at 11:44 AM  


I like your post. I sincerely invite you to visit my blog Jack Phang Investment.

Have a nice day!


Anonymous December 30, 2011 at 7:48 PM  

Good post.

Until today, I still don't understand how Starbucks make its income by selling overpriced coffee.


Lau December 31, 2011 at 10:35 AM  

Hi, as the Chinese saying goes zi zhu chang le. Know satisfaction, happiness often.

Well, Starbucks is just as puzzling as Angry Birds or Facebook to me. Why? Theories can abound but until one theory that can replicate their success then I will be convinced.



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