Author: Agedashi23cents

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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3 Easy Steps to claim SkillsFuture Credit

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, click on the “read more from Training provider website” to register for the course. I was directed to Ngee Ann Poly’s website as my digital photography was conducted by them. Step...

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Rich Dad, Poor Dad, Bankrupt Dad

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 being sued for bankruptcy due to them not being able to pay off their debts. The book Rich dad, poor dad is definitely one of the...

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The Investment Banker & The Fisherman

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 life. “An American investment banker was at the pier of a small coastal Mexican village when a small boat with just one...

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Monthly Savings & Expenses July 2016

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 that is still on the 3G plan with 12 GB of data. Yay! Baby ($524.95 + $71.04= $595.99) – The usual expense for Chloe including packet milk, allowance, tidbits etc. Item Amt Insurance 100 Packet milk x4 10...

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Monthly Savings & Expenses June 2016

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 taxi trips. Communication ($42.00) – My M1 bill that is still on the 3G plan with 12 GB of data. Yay! Baby ($663.70 + $134.07= $797.77) – The usual expense for Chloe including packet milk, allowance, tidbits...

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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 question every inquisitive 12 year old might have asked. Why can’t i photocopy money? I’ll be rich! Very rich! Only problem is… i...

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Monthly Savings & Expenses May 2016

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 & Eating Out ($590.91 – $177.27 = $413.64) – Daily meals and the weekends eating out. 30% of eating out is allocated as baby expenses. Transport & Taxi ($91.18) – Monthly EZ Reload top up of $40 and a...

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Monefy – Your Personal Finance Manager

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 icons that is very gentle on the eyes that isn’t too serious. It is for this reason that I found it more engaging than other money tracker apps I tried previously. The truth is i...

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Stay Away From This Exercise

It’s mid month! Whatever exercise you have been doing, hope it’s not related to running…out of money. ;) Saw an interesting photo while browsing the internet and i thought i’ll just share it, but the message is loud and clear. Yup, payday is still some way to go and looking at your wallet…there’s just enough to get by if you don’t spend anymore. ‘Gosh! Shouldn’t have spent on that expensive watch.’ ‘Arrgh what a jerk I am for trying to act hero and paid for that round of drinks the other night.’ Does all that sound familiar to you? If...

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How Early You Wished You Had Started Investing?

I was with my mum at a coffee shop the other day having lunch. As we were chatting away, i look over to her wrist and to my astonishment, i saw an ‘ancient’ piece of…timepiece on my mum’s wrist! It’s a watch i wore a long long time ago. It must have been 20 years ago…gosh how time flies. Fragments of memories came gushing back to me. This was what happened. The watch was a gift from a friend of mine back in my schooling days. I believe the cost of this watch was in the region of $100...

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