03. 🤑 Lazy Person's Guide to Saving Money: The "Triple-Three" Method in HK 🇭🇰

What is the "Triple-Three" saving method? As the name suggests, it involves dividing your income into three parts: one-third for daily living expenses, one-third for savings, and the remaining third for household expenses. By planning your spending in advance, you can avoid living beyond your means. Many university students become "moonlighters" when they start working because they don't know how to allocate and control their expenses. As a personal finance beginner, you can start with the "Triple-Three" method and gradually achieve your saving goals.

Aside from the "Triple-Three" method, there are many other saving methods out there. They all sound reasonable and easy, but often fail in practice due to a lack of satisfaction.

For example, someone wants to buy a property and uses the "Triple-Three" saving method. They allocate one-third of their salary for savings, one-third for emergency funds, and the remaining third for spending. Initially, everything goes smoothly, but unless they have a high salary, they will soon realize that saving for a down payment is too far away. Eventually, they may break the rules, and once they do it once, they'll likely do it again, never saving a penny.

In fact, saving money is like many other things. First, set a relatively easy-to-achieve threshold, then gradually increase it, slowly cultivating a "not that difficult" mindset. Use each success as motivation, and over time, you'll successfully develop a habit of saving money.

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