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How I Gave Myself Pay Raises
By Turtle Investor  ā€¢  March 24, 2019

I see articles about optimizing expenses and how it will quickly hit a floor/minimum, because there is only so much we can reduce our spending. It is true. At the end of the day, we need to spend on essentials like food, transport and utilities which we are unable to cut out of our lives.

Nevertheless, the practice of budgeting (You Need A Budget) and tracking expenses have given me good insights into the kind of expenses that I can cut, and yet still maintain an extremely comfortable way of life. It basically allowed me to give myself tiny pay raises over the years.

These small streams of expenses add up rather quickly. Let me share a few simple examples of what I did that many can also do.

SIM-Only Plans +$20

Since the Samsung S4 launched in 2013, I have stopped buying flagship phones. No doubt, they offer top-end

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By Turtle Investor
Hello there! I am Kevin and the author behind the Turtle Investor blog. At age 37, I hit CPF Full Retirement Sum (FRS) of $176,000 on the last day of 2019, twelve years after graduating from university. I am married and owns a 4-room apartment. I continue to be gainfully employed to build up my portfolio and provide my loved ones with better lives. Leaving everything behind and transitioning to a digital nomad life in Bali remains an option but not something that Iā€™m actively pursuing now šŸ™‚
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