2020 online expenses



I paid: $33.92, NTUC: $41.85, Shopee normal price: $41,50 , i saved $7.58.
I paid: $30.48 for 12 tubes, $2.54 per tube, NTUC at $8.50 per tube, Shopee Colgate at $18.50 for 3 tubes, i saved $43.52!
I paid: $54.10, NTUC per carton at $40.65, Shopee at $59 for 2 after discount, i saved $4.90
I paid $12.75, I saved $2.25
I paid: $33.21, NTUC: $41.85, Shopee $41.50, i saved $8.29.
I paid: $155.05, NTUC: $257.40, Shopee $177.50, i saved $22.45.
I saved about $20 due to free 1L.
I paid: $56.23, NTUC: $76, Shopee: $68.90, i saved $12.67.
I paid: $26.04, NTUC: $53.70, i saved about $27.66.
I paid $56.53, NTUC per carton at $40.65, Shopee at $59 for 2 after discount, i saved $2.47
I saved about $12.45 and more from the promo used and bundle deals.
I saved $13 from promo used.
I used voucher to sort of waived off the delivery, and $10 saved from flash deals.
I saved $14.53.

I saved a total of $201.77 as compared to normal shopee prices, the 12% cashback in shopee coins for selected listings will further reduce the savings gap.

However if we compared to NTUC prices, the savings are huge, at about $360, just for the above expenses.

The above expenses are just a part of the family online expenses on my side, there are more on my lazada account especially formula milk, and also on my spouse side. I reckon we saved at least $1 to $2k each year.

We can really feel the difference, when we switched from NTUC to online e-commerce, as during the time of our first born, there was no shopee/lazada. While we always wait for the promotions in NTUC, the savings cannot be compared to online shopping, where the brands sell direct on the platform without adhering to the retail price they set in the supermarts.

Points to note:
1. The 12% cashback in the form of shopee coins, is one of the biggest reasons behind most of the savings nowadays as credit card promos are notoriously finished up before the morning with people buying right after 12am. The in-store vouchers/promotions plus some flash deals are attractive from time to time.
The cashback will end one day, just like Grab crazy promotion, during their fight with Uber for market share. We could saved a lot of money back then for Grab, with some of the trips costing next to nothing. We moved on after the promo ended. Enjoy while it lasts.

2. Planning for your purchases and delaying them for further discounts will always help you to save money, your choice whether it is worth it.

3. While the savings seems minimal, over your lifetime if you applied it to most of your purchases, especially the big ones, you will save a lot, and always remember, money not spent is not money saved yet, only when you put it aside, save it, invest it and let it grow, then you will really feel the power of prudent purchases and compounding!


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