Author: Agedashi23cents

The Golden Gift

A father was furious with his 3 year old daughter for decorating a box under the Christmas tree with a roll of gold wrapping paper. Money was tight and they were having a hard time trying to make ends meet.  The next morning, the little girl brought the gift to her father and said, “This is for you, Daddy. Merry Christmas! ” The father was embarrassed by his earlier actions, but his anger flared again when he found out that the box was empty. He yelled at her, shouting, “Don’t you know when you give someone a present, there...

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How to complicate and over analyse matters

Every day, a small Ant arrives at work very early and starts work immediately.  She produces a lot and she was happy. The Chief, a Tiger, was surprised to see that the Ant was working without supervision. He thought if the Ant can produce so much without supervision, wouldn’t she produce even more if she had a supervisor! So he recruited a Bee who had extensive experience as supervisor and who was famous for writing excellent reports. The Bee’s first decision was to set up a clocking in attendance system. He also needed a secretary to help him write...

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Personal Finance For My Younger Self

Remember the last time you said to yourself, “If only i…” Self-reflection is a powerful thing. It’s the reason why people like myself buy books like “The things i wished i knew at 20.” or “Things I would say to my younger self.” I sometimes reflect on my childhood year with amazement and hilarity, especially with regards to my money spending decision. Although I am still very much in the learning process and there are probably a hundred and one things i do not know. But what I do know are the things I should not have done. That...

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The 99 Club

Once upon a time, there lived a King who, despite his luxurious lifestyle, was neither happy nor content. One day, the King came upon a servant who was singing happily while he worked. This fascinated the King, why was he, the Supreme Ruler of the Land, unhappy and gloomy, while a lowly servant had so much joy. The King asked the servant, “Why are you so happy?” The man replied, “Your Majesty, I am nothing but a servant, but my family and I don’t need too much, just a roof over our heads and warm food to fill our...

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How Poor We Are

One day, the father of a very wealthy family took his son on a trip to the country side with the intention of showing him how poor people...

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Where’s Your Mercedes?

An elderly man was taking a smoke break with his younger non-smoking colleague. “I have a question to ask, says the colleague. “How many packs a day and for how long have you been smoking?” . “3 packs a day for fifteen years,” says the smoker. “Fifteen years!” the colleague remarked in awe. “That’s costs so much money. At $10 a pack of cigarette a day, you’re spending $10,950 a year not accounting for inflation and in 15 years, you would have spent $164,250! If you had invested that money at a respectable interest rate for the past 15 years, you’d...

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The Cookie Jar

A professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly, he picked up a very large and empty mayonnaise jar and fills it with golf balls. He then asked the students if the jar was full. They agreed that it was. The professor then picked up a box of pebbles and poured it into the jar. He shook the jar lightly. The pebbles rolled into the open areas between the golf balls. He then asked the students again if the jar was full. They agreed it was. The professor...

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How To Win A Cow!

A farmer had a cow which unfortunately died and he was desperately trying to sell it off to recover some of the loss of the cow.  He finally managed to sell it to a young man whom he thought was foolish to buy a dead cow for 10 dollars. A few weeks later, the young man returned and wanted to buy another dead cow from the farmer. The farmer had no dead cow this time but was curious about what happened to the dead cow he sold. The young man said: “I made a small profit with the cow...

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12 Months of Savings Guide

12 Months of Savings Guide Each month brings new challenges, from the holidays and Valentine’s Day to the back-to-school shopping frenzy in late summer. So with that in mind, here are 12 ideas to help you save more and spend wisely one for every month of the year January Are you stepping into the New Year and reflecting on the spending you made on holiday presents? Pretty sure you’ll be making credit card payments until the end of time? Download a 52 weeks challenge savings plan here or set up an automated weekly fund transfer to your savings account from your...

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Top 10 Most Popular Post In 2016

Happy Happy New Year and a Happy Happy 2017 my friends and fellow savers! 2016 is over! Some of us can’t wait for it to end, some wished it never ends. Whichever side you are on, lets take a look at some of the things that happened in my little blog. I look at famous bloggers with millions of views and comments in their blogs and it has always been my desire to be able to come up with a Top 10 list myself. Not the most impressive stats but at least it shows more than 1 person reading...

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Agedashi23cents

It goes without saying that the number one thought on everyone’s mind is a resolution for the new year as we are reaching the end of the year. It is therefore also save to assume that we are all thinking about what we wanna do to reach our goals and how we plan to achieve that. This year I would like to do my resolutions in a slightly different way. Instead of creating a TO DO list. I am coming up with a TO DON’T DO list. Let’s see how this reverse psychology or reverse engineering works. Here’s what...

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Monthly Savings & Expenses November 2016

Time flies really really fast! Especially when it’s nearing the end of the year. And before I know it, it is already 20 days into the month of December! Very late to be posting my November 2016 savings and expenses. But I can’t let it stop after documenting for the past 10 months. This is what happens when you keep putting off something to the next day and it never gets done. Anyway, November 2016 is gone and basically what went was this. The US elections happened and Trump won. Not that I follow such political stuffs especially when...

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Cash is always king

‘Cash is King!’ This is a long time catch phrase through so many generations. Online payments, cashless payments like PayPal, ApplePay, AndroidPay probably took some shine off the King, but it is still and in my opinion should always be King. I would probably think that one of the contributing factors for our low crime rate in Singapore is the increasing usage of mobile payments and is making cash so rarely seen that bank robbers are left with nothing to steal. Although one guy did manage to get away with a successful bank robbery a few months back only...

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A Birthday Gift For Myself

Every time birthday nears, I try to come up with the gifts that can gift to my to signify this special day. Striving to be different this year, i decided not to buy any gifts on impulse and instead, I am going to reflect on the year that had gone past with regards to my financial situation as well as the various money challenges I set out at the beginning of the year. My intention of doing this is to keep track of the progress I’ve made, make adjustments where necessary, and develop new goals for the next 12 months....

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BREAKING NEWS! Sex of Baby 2 Revealed!

The night before our gynae visit was full of excitement and anticipation. We kept telling Chloe about the visit to the doctor and asking her opinion of whether she will have a little brother or sister. To which she gave mixed response of ‘didi’ (brother) and ‘meimei’ (sister). The morning finally came and we were at the doctor’s clinic. Chloe was in good mood and greeted our doctor enthusiastically. She was then looking at a photo on the wall with disbelief of her daddy and mummy with our Doctor Tho holding a baby in his arms supposedly to be...

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