I do agree to this statement, ‘Increase your income, not cut your expenses is the way to become rich. This is especially so when I started work and am able to earn my own money to invest.

The accumulation of money from my income monthly is really slow. I have to wait for pretty much at least half to a year before I can really go on a buy action.

Read more: I thought I will get rich once I start work + Updates on my life 

This means that on multiple occasions, I was not able to execute my buy orders even though the price might be right as I need to build up my my emergency fund first.

Also recently I want to make sure my commission charges are fully justified.

For DBS Vickers, the cash upfront account has a commission rate of 0.12%, min 10 SGD. This means that to maximise