Author: 35 is the defining age

Expenses – December 2019

Total – S$2,295.33 Total expenses for the month came up to S$2,295.33, which was surprisingly low for December. Gifts was the largest expense, largely attributed to my attendance at a wedding right across the border as a groomsman for one of my buddies, and various Christmas / birthday gifts across the month. The second largest category was Vacation Expenses, which was mainly attributed to across the border spending for the aforementioned wedding, given it was a mini vacation of some sorts for my partner and I. Eating Out was the third largest category – there is only so much...

Read More

Managing your weight

Over the last few weeks, I had the good fortune to read a book called “The Obesity Code: Unlocking the Secrets of Weight Loss” by Jason Fung (M.D), which was published in 2015. It has been some time since I read a book on physical health and weight management that was so good that I feel certain concepts it espouses could be more widely shared through a short blog summary. The main purpose of the book is to find out exactly what causes obesity and to provide permanent solutions to manage it. From the perspective of a 35 year...

Read More

Two Months in Italy – Living La Dolce Vita

I had the good fortune to spend two months in Italy with my partner during the last quarter of 2019. It was nothing short of an eye opener from many angles, of which the most relevant one to this blog would be that of cost and lifestyle arbitrage. We spent one month in the region of Puglia (southern Italy) and another in Umbria (central Italy), and the conclusion from a cost perspective is that living life in those regions in Italy is way cheaper than in Singapore. Here’s a summary of the breakdown in costs. Airfare S$915 per pax...

Read More

Expenses – November 2019

Total expenses for November 2019 amounted to S$3,968.98. The largest was under Self Improvement. This is largely attributed to prepaying for a 12 month yoga class membership, which was selling at a good rate. I predict I’ll spend more time in Singapore next year, which makes it worthwhile to plonk down some cash to restart my once fledging yoga practice, that is now yellow and withered. I got back from Europe towards the end of November. So logically that constitutes the next largest expense category for the month. The third being donations, as I prepared to head out to...

Read More

Expenses – October 2019

Total – S$1,500October 2019 total expenses was S$1,500. The entire month was spent in Italy, Europe. So a large part of it (S$1,418.97) went to topping up my Youtrip debit card account. The EUR/SGD actually declined a little bit since September, and we managed to get some good rates from Youtrip when spending on our debit card, vis a vis credit cards (but you get certain points or rewards in return eh…). Some fixed expenses such as Netflix, Insurance and Mobile Phone continue to churn along even though as I’m overseas, but it ain’t a problem. S$1,500 represents 37.5%...

Read More

Expenses – First 12M of F.I.R.E

Total – S$46,098.58One year has gone by since I started by post F.I.R.E life. It’s time to measure how much resources I’ve spent, and how these resources have been allocated, mainly because that which gets measured, can then be managed. My annual budget at least for the first few years post F.I.R.E has been set at S$48,000. The first 12 months saw a total amount of S$46,098.58, which is 96.0% of the budget, leaving room for 4.0% surplus. Largest spending category was Diving. Scuba Diving to be exact. I think I mentioned this before, but since December 2018, I’ve...

Read More

Expenses – September 2019

Total – S$3,900Start of brand new post F.I.R.E year. Month 13 saw the lion’s share being contributed by my upcoming Europe trip, as cold hard Euros were exchanged at the money changer, and some SGD was placed in a Youtrip account for use via debit card in Europe. Eating Out was the next category, and surprisingly Petrol came in third, as I spent some money topping up my family car after some use. Not quite much to delve into here, and possibly the next couple of months in Europe as expenses will most likely fall into the category of...

Read More

Expenses – August 2019

Total – S$3,684.98Total expenses for August 2018 came up to S$3,684.98. Spent a fair bit eating out and catching up with different folks, this being the one of the few whole months that I was based in Singapore. The 2nd largest category was Technology. Bought a small tablet that will allow me to borrow books through the Libby application (via local National Library online resource), which will hopefully ease the eye strain on reading via the phone. Also plonked down a good S$500 or so on a Secretlab Softwave fabric chair (by the way, this rocks socks), on the...

Read More

12 months of F.I.R.E

It has been a little more than 12 months since I left the workforce in entirety. Perhaps it’s a good time to take stock of what has transpired. Just to put things in perspective, 12 months of full time unemployment pursuant to the decision to leave the workforce due to F.I.R.E (financial independence, retire early) probably isn’t the most illuminating of sorts, but perhaps it’ll provide you with a sliver of reckoning that will allow you to consider another perspective of what has been theorized about, but perhaps rarely done in the age range of < 35 years old,...

Read More

Expenses – July 2019

Total – S$12,350.24 Massive month of expenditure. Total amounted to S$12,350.24, which made up more than 25% of my annual budget. Let’s do a quick recap of the constituent expenditure. The largest category was no doubt “Europe Trip”, coming up to S$5,645.39. My partner and I have decided to head to Europe for about 14 weeks come end September, and this represented most of the front-loading for fixed expenditure in Europe, such as car rental, air tickets, and most of the accommodation during that period. This will certainly be an exciting trip for us, and I must say that...

Read More

Expenses – June 2019

Total – S$3,044.46 Spent a total of S$3,044.46 in June 2019, which was c. 23.8% below the budgeted amount. The largest expenditure was in relation to my North America vacation. I commenced my trip up to the US of A this month, and was out of Singapore for almost the entire month. Insurance came in 2nd, as I had to cough out quite a large bit for the cash portion of my annual H&S premium. One thing I’m glad about is I managed to get a full rider for co-pay and non-deductible for my private and public hospitals sorted...

Read More

Expenses – May 2019

Total – S$4,523.31 First month where I busted the budget, but no regrets here as there were a few opportunities that came up which was too good to resist. Total spending in May came up to S$4,523.31, and as set out above, the top three categories were on vacation spending, my North America trip coming up soon, and diving. Booked a couple of air tickets for the later part of this year plus early next year, and converted some cash for vacation expenses in relation to the two diving trips that I did in May. Front loaded certain expenses...

Read More

Expenses – April 2019

Total – S$3,945.43 Total for April 2019 was S$3,945.43, and it was close to busting my budgeted allowance of S$4,000 per month. A large part of it was on upcoming trips. Was planning to head to Bali for some diving in May, and also North America in June, so that saw some front-loading of expenses being done in April. Diving’s not exactly the cheapest sport. It’s about S$100 for each dive taken, and that can last between 40 to 80 mins, depending on depth, composition of air taken, currents, etc. Not to mention you’ll the rental equipment or purchase...

Read More

Of Mountain Climbing and Practice

“Some people say that mountain climbers are really wasting their time. They have nothing better to do so they climb mountains, tire themselves out, and come back with nothing to show for it. Yet a person who climbs a tall mountain sees the world in a very different way from someone who never leaves his own front door. Genuine mountain climbers do not struggle up great precipices for the glory of it. They know that glory is only a label given by others. A true climber climbs for the experience of climbing. And this is an experience no one...

Read More

Expenses – March 2019

Total – S$2,569.51 Alright, short round up this time. Total for March 2019 was S$2,569.51, and this was a bit of an aberration, as I spent the first 13 days in North Asia, and cashed out most of my vacation expenses in the prior month. The largest category was attributed my upcoming North American adventure in June. Started to book out essentials such as accommodation and transport in March, and this involves paying some part of it upfront via credit card, and the remainder over the next few months, so I reckon this will be the largest contributor to...

Read More

Recent Comments

Latest News from PR Newswire