Write an article about Mindful choices that maximise your pay packet .Organize the content with appropriate headings and subheadings (h1, h2, h3, h4, h5, h6), Retain any existing tags from Lotus’s Malaysia’s ‘Harga Hangat’ campaign is back until July 30. (Lotus’s Malaysia pic)
PETALING JAYA: It’s the middle of the year already and Malaysians are feeling the pinch of the sales and service tax (SST), back-to-school expenses, and mounting utility bills.
Besides scouting for the best offers around, consumers are agonising over their shopping lists, slashing off items they once purchased without a thought.
With everyone tightening their belts, here are some effective ways to stretch the ringgit while taking care of your family’s monthly needs.
1. Categorise your ‘wants’ vs your ‘needs’
Make a conscious effort to prioritise essential purchases over impulsive buys. This allows you to purchase quality, value-for-money items that truly matter.
You can do this by creating a detailed budget that tracks your income versus your expenses. It is important to know exactly how your income is being utilised in order to identify areas of spending that can be adjusted.
Categorising your expenses into “needs” such as housing loan, food, utilities and transportation, versus “wants” such as dining out and catching a movie will help map out a more realistic budget.
2. Cut back on unexpected expenses and seek out promotions and deals
Once your “wants” and “needs” are identified, adjustments can be made through cutting back on non-essential spending. Enjoy more home-cooked meals or cancel unnecessary subscriptions.
Stay on top of ongoing promotions and discounts for items on your “needs” list, while actively seeking out special sales and deals for items on your “wants” list.
Here’s one for you: Lotus’s Malaysia has brought back its “Harga Hangat” campaign, which runs from June 19 to July 30.
The campaign offers up to 30% discounts on over 360 essential items, including pantry staples, household essentials, chilled and frozen foods, and non-food products.
Deals like these help shoppers like you plan ahead: buy in bulk, stock up, and reduce last-minute runs that end up costing you more.
3. Approach quality local brands and products at affordable prices
You may be more familiar with imported brands, but sometimes a store’s house brand comes with significant discounts and guaranteed quality at a much cheaper price point.
Besides, supporting local brands helps strengthen the country’s economy without hurting your wallet.
The “Harga Hangat” 2025 campaign features up to 90 items from Lotus’s house brands, featuring quality products at affordable prices.
Look out for the ‘Harga Hangat’ red tags on up to 90 items from Lotus’s house brands. (Lotus’s Malaysia pic)
These include Cute&Care baby care products, tasty 3-in-1 beverage sachets, canned foods, UHT milk, pasta, snacks, biscuits, and ready-to-go frozen bites such as burgers, pizzas and confectioneries.
Hot tips for the smart and savvy: look for the bold “Harga Hangat” red tags in-store and on the Lotus’s Shop online platform so you can save a bundle.
4. Take advantage of loyalty programmes
This is the one thing shoppers should subscribe to in order to save more: Lotus’s offers long-term and accumulative benefits for shoppers under its My Lotus’s loyalty programme.
Beyond the campaign, Lotus’s offers continuous savings where customers can take advantage of ongoing in-store promotions and exclusive My Lotus’s member deals, which provide up to 50% off until the end of 2025.
Members not only enjoy more rewards; every second Wednesday of the month until the end of 2025 is reserved as Members’ Day, so you can save more than ever before.
Remember, the smartest shoppers aren’t those who spend the least but those who spend the most wisely. So, track your expenses, adjust your expenditure, make the most of promotions, and support local brands and products whenever you can.
Also, subscribe to loyalty programmes to make every ringgit count without sacrificing your needs.
It’s not about buying less than you need, it’s about making the smartest choices so you can get the most out of your fixed monthly income.
Learn more about ongoing promotions and activities by visiting Lotus’s Malaysia’s official website or social media channels.
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