I know in America, the system is F*ked (pardon my language). Because it’s like the capitalism is to the max, and you are obligated to tip people for their service, but your money sitting in banks that gives a crap of your wellbeing, and the tax kept coming for your blood.

Sorry Americans, that’s truly a sad case for you.

I always watch those gurus speaking about IRA, 401K retirement stuffs, but like in Malaysia, the government savings fund isn’t gonna help much when the marketplace inflation % is higher than the savings.

freepik.com

My mortgage Base Lending Rate is now getting higher and I have to fork out more and more money to keep a roof above my family’s head.

Increasing by almost 28% since lockdown isn’t a nice feeling when wages amount remains the same.

Weekly waking up before dawn just to come to this hospital for follow ups

Just June itself I have spent 24% extra in gas (petrol) expenses because my mom’s health was at stake.



^imgflip.com

We gotta hustle our way through life just to keep ourselves afloat

^{Example how Shopee used to look like for daily rewards}

Good thing if I am not lazy, with active posting I MIGHT get something once a while like maybe 20cents - $5 a week; but that is usually not often because my day jobs occupy a lot of my time, not to mention constant hospital runs.

My money REALLY can’t sit around idle doing nothing anymore.

Even daily spending a bit of time for me on some of the mobile apps just to get some “additional discounts” for bill payments / online grocery shopping is a must.

I know a lot of the libertarians will hate this idea because some of these apps requires KYC; but if a household can “sacrifice” one family member for 1 app who can KYC and use that account for household use, I think it is still worth a try.

It is risky in the future, but now it is survival mode...

For one the famous app in South East Asia, Shoppee, I can glean at least 10 cents (local currency) a week by checking in daily is still way better than zero.
(That is if your mobile data is a fix rate monthly)

Let’s face it, only families with no overwhelming debts can let their paper money sit around doing nothing.

The rest got to find ways to let the “digital age cash ” work for its user.

Only choose those services that gives incentives; but never invest all effort in one basket.

One shop - The Secret Recipe itself already allows so many kinds of e-wallets to facilitate its patrons
^{from secretrecipe.com.my}

The marketplace is a competitive place. I am pretty sure there are companies fighting to grab the attention of users with some carrot hanging at the end of the stick.

That being said, vigilant is utmost important. There are plenty of scammer apps out there.