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Wow! Some great ideas here. I already have a budget but I wanted to see where else I can trim the fat to save even more. Thanks for sharing your ideas :):)

I'll like to start a thread to get some suggestions on ways to save money for things you need or want e.g. cash for a IP reno, deposit for PPOR, pay for a holiday, etc without resorting to loans, credit cards or having to get a 2nd or 3rd job. Here is what I've come up with so far ... 1...