With higher expenditure incurred during these two months (the upcoming expenditure update isn’t exactly going to make me bask in glory) and a reduction in our income streams (zero income household for about two weeks), it has proved to be rather difficult to fully maximise the benefits of the OCBC 360 account. Our balance has only increased by $5,000 to about $40,000 this month and that was after divesting one of my foreign currency deposits. I had about $15,000 in a multi-currency account with the Bank Of China and it’s been there for about 3 years. Since it wasn’t really generating much interest, appreciation, or profits, I figured that the money would have been better utilised in an instrument with a 3% yield. I really can’t wait to get my hands on more cash these days. So I promised myself to divest the holdings in our Philip Capital Sharebuilder plan if the ......