It took quite a while before I was able to serve you this last helping. Finally, here it is, your last serving of tips that will lead to the road to financial freedom.
16. Learn to cook. I call this surival cooking. When someone asks me if I know how to cook, I would answer, "Yes, survival cooking!" Fried dishes would be on top of the list. Aside from that, you can surf on YouTube for other dishes that you might want to cook. Once you have mastered cooking a dish, try cooking for more than one mealtime so you can pack some for your meal at the office.
I don't also mean that you have to deprive yourself of the good things in life just so you could save. I suggest that we all strive to strike a balance between saving and spending.
One of the mantras I live by in saving money stems out from a statement said by a very good friend more than a decade ago. I admire the skills this friend of mine has when it comes to managing her money.
I told her I don't do that. I just claim my envelope and I don't bother to count my money because I am embarassed to do that. However, she emphasized to me that I should take time to check if the salary written in my payslip matches the number of bills inside the envelope which bears my name. She assured me that the cashier would definitely understand and would not mind at all. Besides, she said in our dialect, "Wala bya ni nato gikatulgan atong kwarta." (We worked hard for the money and we did not earn it by just sleeping.)
We worked hard to earn what we are earning today. Saving money is a way of valuing all the sleepless nights we spent in college (and in medical school), and all the physical and mental and emotional exhaustion we had to go through to finally arrive to where we are today. That goes for everyone, not only for doctors - because whatever you are doing now for a living, I know you started somewhere down below. We all did.