Author: Agedashi23cents

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 live.  They spent a couple of days and nights on the farm of what would be considered a very poor family. On returning from their trip, the father asked his son, “How was the trip?” “It was great, Dad.” “Did you see how poor people live?” the father asked. “Oh yeah,” said the son. “So, tell me, what did you learn from the trip?” asked the father. The son answered: “I...

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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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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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Monthly Savings & Expenses October 2016

October being my birth month is usually the lowest point of the year for me. In the financial sense that is. But i am very proud to say that with my savings plan that i set out at the beginning of the year, it’s not such a bad birthday month for me this time round. Another exciting event this month was the arrival of my little niece. My Sis came up with a list of weird sounding names which none of us in the family liked. Rapheal? Angelfael? Anbrael? Castiel? Engel? Quacey? Although I have came across many fanciful...

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How many bank accounts should you have?

Local banks in Singapore have been doing a lot in recent years to attract customers by increasing their interest rates, giving freebies and many after sales services in an attempt to ‘psycho’ to open a savings account with them. We are in actual fact spoilt for choice, there is the OCBC 360 savings account, UOB One savings account, DBS Multiplier, Standard Chartered Bonus $aver account and others in the market that are almost as good as one another. There are many review websites comparing the benefits of each bank and it is up to the individual to decide. But the topic...

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Monthly Savings & Expenses September 2016

Monthly Savings & Expenses September 2016 Monthly Expenses September 2016 Necessity House ($508.00) –  Groceries shopping and other household items make up this list. Notable expense this month is a new 24 inch Philips TV bought for $199 at NTUC. Food & Eating Out ($564.9 – $169.47 = $395.43) – Daily meals and the weekends eating out. 30% of eating out is allocated as baby expenses. Transport & Taxi ($178.50) – Monthly EZ Reload top up of $40 and a few taxi trips. Bills ($155.00) – Took up a new insurance policy with AXA Communication ($42.00) – My M1 bill that is still on the...

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Story of a Woodcutter and his Axe

Story of a Woodcutter and his Axe   There was once a very strong woodcutter who applied for a job in a timber factory and he got it. The pay was really good and so were the work condition. For those reasons, the woodcutter was determined to do his best. His boss gave him an axe and showed him the area where he supposed to work. The first day, the woodcutter brought 18 trees. “Congratulations and well done!” the boss said. “Go on that way!” Very motivated by his boss words, the woodcutter tried harder the next day, but...

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