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You’ve been scraping and scratching for spare change just to get by every month and payday always feels like a weight lifted off your shoulders. While getting your salary can be satisfying because your hard work from the month has finally paid off, it’s not wise when you end up living paycheque to paycheque.

So if you find yourself with barely any money left to save at the end of the month, your hard-earned cash could be subtly slipping away because you’re doing this:

#1 You withdraw everything the moment you see your money 

We grew up saving money in a piggy bank or storing extra allowances in envelopes hidden around the room. But there are better ways than keeping cold, hard cash within your reach. The danger of withdrawing all your money the day you receive your salary is you could start spending all of it without thinking. Keep your money in a high-interest savings or fixed deposit account and leave it alone!

#2 You start dining out over an expensive meal

It’s nice to treat yourself to a fancy steak or extravagant seafood meal every once in a while, especially when you get a fat bonus payout. But if you’re splurging more than half of your monthly expenses only on food, you need to reconsider your food choices. Don’t feast like a king for just one day and eat like a pauper for the rest of the month!

#3 You constantly go for retail therapy

Unless you’ve been saving up for months to replace your dying phone, ancient laptop or worn-out washing machine, you should wait a couple more days before spending on a big purchase because more often than not, you’re just looking an impulse buy that isn’t life-changing.

#4 You check out everything in your cart

10.10, 11.11, 12.12… the list goes on. These double dates have somehow turned into D-day for brands to shove sales and discounts in our faces. Back to the good ol’ needs vs wants argument, think twice before you click ‘check out’ because you know there’ll probably be another deal coming around the next month anyway.

#5 You fall for promotional newsletters and subscriptions

If you’re a little impatient like the rest of us, you’ll be checking and deleting your emails at least once a day. And half the time, you’ll stumble upon ‘Payday Sale’ because they just happen to know when you get your salary. Avoid reading too much into these emails. Even better, unsubscribe to the newsletters and stop taking advantage of every other discount you see!

Of course, we’re not saying that you can’t spend your money. But the little things you buy on a daily basis, like food, groceries, and essentials, can cause a big dent to your wallet So to help you free up your expenses for the rest of the month, Lotus’s Stores are ready to help you maximise your savings on big brands that are always serving you loyally!

From now until 8 October, Lotus’s is giving away daily coupons for you to enjoy big savings and value for money on fresh ingredients, daily essentials, and more.

Here are the brands up for redemption all this week:

Promotion Monday, 4 October

• RM3 off with a minimum purchase of RM20 on baked goods
• Save RM5 when you spend a minimum of RM25 on Kellogg’s products
• RM20 instant rebate when you spend RM200 and above on Philips kitchen appliances and personal care products

Promotion  Tuesday, 5 October

• Buy 1 Free 1 on Hwa Tai Luxury Crackers 223g in Original, Vegetable, and Cereal with Chia Seed
• RM5 off with a minimum purchase of RM40 on seafood
• RM10 off when you spend a minimum of RM80 on Scotch Brite products

Promotion Wednesday, 6 October

• RM3 off with a minimum purchase of RM30 on Dettol products
• Save RM3 when you spend RM25 and above on all ice cream
• RM3 off when you spend RM30 and above on any Shieldtox, Air Wick, and Vanish products

Promotion Thursday, 7 October

• Save RM3 when you spend RM30 and above on Sunsilk hair products
• RM3 off with a minimum spend of RM15 on Glo, Softlan, and Ajex products
• Save RM20 when you spend a minimum of RM100 in your total bill (limited to the first 5,000 customers only)

Promotion Friday, 8 October

• RM2 off with a minimum spend of RM40 on all Breeze products
• RM3 off with a minimum purchase of RM25 on Safi shampoo and body products
• Save RM5 when you spend RM25 and above on Colgate products

Don’t forget to click here or visit RAAGA’s Facebook page every day from today (4 October) until 8 October to redeem the Lotus’s Store coupons, use them at any Lotus’s store before 24 October and enjoy big savings on big brands!