12 Months of Savings Guide

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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 … [Read more...]

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 … [Read more...]

Agedashi23cents

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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 … [Read more...]

Monthly Savings & Expenses November 2016

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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 … [Read more...]

Cash is always king

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'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 … [Read more...]

A Birthday Gift For Myself

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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 … [Read more...]

BREAKING NEWS! Sex of Baby 2 Revealed!

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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 … [Read more...]

Monthly Savings & Expenses October 2016

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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 … [Read more...]

How many bank accounts should you have?

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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 … [Read more...]

Monthly Savings & Expenses September 2016

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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 … [Read more...]

Story of a Woodcutter and his Axe

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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 … [Read more...]

3 Easy Steps to claim SkillsFuture Credit

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Step 1: Go directly to http://www.skillsfuture.sg/credit Step 2: Search for the course of your choice. It can be cooking, IT related or even online courses. Course fees can range from below $100 to well over a few thousands. But in any case, $500 can be used to offset the course fee. In my case, the course I chose was digital photography. Once you have decided on the course of your choice, … [Read more...]

Rich Dad, Poor Dad, Bankrupt Dad

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Rich Dad, Poor Dad, Bankrupt Dad I came across an old article from a few years back. 2012 to be exact. The article was titled "Rich Dad Poor Dad is now a bankrupt dad". My thoughts were that it's a very ridiculous statement considering how famous and wealthy he probably is.  I later found out that it was actually a media company Robert Kiyosaki had used for promotion of his books and convention … [Read more...]

The Investment Banker & The Fisherman

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All of us will at one point of time in our life think of making it big, creating success and be financially free. I myself had in an earlier post thought that i am on my way to becoming successful and on my way to being a millionaire as a 16 year old agent renting out properties. The following story is a perfect example about life, about being content with what i have how I want to live my … [Read more...]

Monthly Savings & Expenses July 2016

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Monthly Expenses July 2016 Necessity House ($296.75) -  Groceries shopping and other household items make up this list. Food & Eating Out ($641.30 - $71.04 = $570.26) - Daily meals and the weekends eating out. 30% of eating out is allocated as baby expenses. Transport & Taxi ($144.30) - Monthly EZ Reload top up of $40 and a few taxi trips. Communication ($42.00) - My M1 bill … [Read more...]

Monthly Savings & Expenses June 2016

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Monthly Savings & Expenses June 2016 Monthly Expenses June 2016 Necessity House ($147.10) -  Groceries shopping and other household items make up this list. Food & Eating Out ($446.90 - $134.07 = $312.83) - Daily meals and the weekends eating out. 30% of eating out is allocated as baby expenses. Transport & Taxi ($135.00) - Monthly EZ Reload top up of $40 and a few … [Read more...]

Can you photocopy money?

When i was in primary school, i came across what i perceived as the greatest invention ever! The photocopier, the photocopy machine or whichever way you call it. Bear in mind that a photocopier is different from a printer. A printer just prints what you want it to. But a photocopier is able to copy the exact image you fit into it and then prints it out. How cool is that? So i asked myself a … [Read more...]

Monthly Savings & Expenses May 2016

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Monthly Savings & Expenses May 2016 Monthly Expenses May 2016 Necessity House ($395.28) - Aircon servicing for my 3 aircons for $100. Bought a wifi repeater for $39 and it works like a charm. Used to have unstable connection in my room, but with the repeater i have the POWER of WIFI! Hahaha, Groceries shopping, utilities and other household items make up this list. Food & … [Read more...]

Monefy – Your Personal Finance Manager

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Personal finance manager This first impression i have of apps for money managers, expenses trackers or budgeting is that it will be very complicated with a lot of details to enter and 'serious looking' layouts. Monefy provided me with a very simple solution to the concern i have had regarding 'serious looking' expense tracker apps. What attracts me about Monefy is its pleasing graphics and … [Read more...]