[samblr]

Eat out LESS - invest in kitchen appliances :). I wonder now how I lived without a FOOD PROCESSOR and ate out/prepared not so good food. Must haves food processor, a flask, a good lunch box. Take home food to office, beach, parks. Life gets so much better. Though one cannot avoid an occasional icecream on a summer day ;)

Invest on health - buy an exercise bike, bench/squat rack instead of gym. Saves a lot of time and money.

Property investment - dont know need to learn.