Author: Early Retirement SG

Lifestyle gardening

I was talking with a friend recently. And I was talking about curating my life or lifestyle. And she mentioned it’s like a gardener. Removing the weeds and planting the seeds and letting the good things grow. And I think that’s pretty much what I’ve been trying to do. Keep the good things and remove the rubbish. Like… I’ve been always trying to cut off negative people from my life. People who don’t agree with what I do, I let them go. Or people who do things which I find… Irrational and maybe they are right. I also try...

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​Being an unambitious loser

I find it quite interesting that being an unambitious loser is a problem. I mean… I really don’t care and I really love to identify myself as one. I get comments especially from my mum about my current lifestyle. She doesn’t say it straight out. But she hints at my lack of ambition and idleness. And usually, I get agitated. Somehow I have this expectation that she’d understand and leave me alone. And basically that’s what I want. Just for people to leave me alone. Or I will leave them alone. And that’s really simple with friends. Most of...

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Question : Do You Have A Bucket List

A very interesting question posed by reader calvi. I’m very receptive of my mortality. I am very aware that I could die anyday. So I’m very open to talk about death and stuff like that. For me, I think it’s always better to plan and be ready instead of regretting when not ready. Cos death usually comes unexpectedly and not according to plan. Well, a bucket list is usually just a list of stuff someone wants to do before they kick the bucket. I haven’t really thought about a bucket list for myself. Cos personally, I feel like a...

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Why I don't talk about my portfolio

I think many people have noticed or may be interested in my/our portfolio. But I don’t write about it. Why? You may ask… it’s supposed to be interesting right? I should write about it to share right? You see… to me, my portfolio is not important… Why? Sounds ridiculous? How can by portfolio be not important?!?! You see… Using my expense in March… Let’s look at just me. Cos putting my wife’s numbers in just clouds the numbers cos of her work. Fixed expenses are $680 (rounded up) divide by 2 = $340 (can’t be bothered to adjust for the...

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Question : What is Money?

Reader Kuriko suggested a ridiculously challenging topic. And truthfully, I didn’t really want to do a post on this. Cos it’s a long complex story, it’s irrational, and it’s pointless to ponder over. I’ll explain each of these points statements later. But then I thought, “Heck, I need to do this topic”, cos I can’t do topics that I like all the time and it IS a worthy topic to write about. Just that I don’t particularly like writing about it. Ok, so “What is Money?” Here’s the long story short… Based on investopedia… What is money… Going back...

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Question : What about kids?

Excellent question. I’m surprised I’ve never written about this before. It just never crossed my mind. ​ Suggested by reader calvi. There’s a number of ways I’ve looked at this. Ok straight off, I’d say, our initial plan is not to have kids. But currently, it’s a bit up in the air. I still don’t really want kids, but my wife has been pretty influenced by seeing all her friends have kids. Ok so here’s the story. I don’t dislike kids. Actually I do pretty well with kids. I find them very remarkable beings intelligent and cunning. And they...

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Moving on with life

Things have pretty much settled down for me recently. We’ve gotten into our new groove. Well… Kinda… You see… what has changed the past few months is… I started freegan activities 1 Dec 2017. Also, my nephew went into Pri 1 in 2018, so our weekend parent visits switched from Sunday to Saturday. Now… these 2 activities have allowed us to save quite a lot during these past 4 months and I’m very happy with that. Another thing that has picked up or will likely pick up is my wife’s business trips. Which is expected to be once a...

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Why no one really wants to be normal

I’ve been trying to think of how to articulate this post… Cos I’ve been thinking… you know whenever times are down, we usually say, “Why can’t I/we be like normal people…” When in a relationship with a lot of disagreements. Or if we don’t have enough money or are not happy with work… We always want to be normal… “Why can’t I have a normal job where I can be happy?” So let’s say… what we think normal is?… Average? Pretty much what most other people are like right? When we say we want to be normal. Below is...

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Being Stupid : Frugality for the Sake of Frugality

In my post yesterday, I mentioned that my wife shaped a lot of my current self. One of the things she has taught me is to live life a bit more. And one of the key take aways about this way of thinking is NOT to be frugal just for the sake of being frugal. The point here is, we aren’t aiming live on the lowest common denominator. The lowest common denominator being… to live as frugal as possible, taking up freegan activities to obtain stuff for free, and saving the rest. This means eating free food or chai-png...

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Question : What has influenced my approach to life

A suggestion from reader RetailTrader a week back. I was a bit lazy to do this post, cos it’s quite hard for me to list down things that has influenced me. I take a lot of lessons from my surroundings and I take a bit out of everything to learn and cut and paste into what I am… People I see, observe on the streets, I think a bit about what they do, whey they do it. People I know, I will try to learn from their mistakes and what they do. I don’t only learn from their positives,...

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How to Live a Life without Regret

I’m sure all of us has thought about it. What if I do this and fail? What if I don’t do this and regret? Both of these thoughts are thoughts about regret. The first one is the thought that you will do something, then when it fails, you regret trying it, cos you probably wasted time and or money. The second one is the thought that you never tried something and regret never having even tried it in the first place and you never know where that path lead you. Both of these thoughts are helpless thoughts… meaning… you...

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Ridiculous level of spending in March

I’ve posted a couple of previous expense updates. Here and here… I’ve gotten slightly more interested to track my expenses just to see how freegan activities have improved my spending. Below is the amount for March. I’ve changed some of my classification to group stuff up. Nothing to really talk about for the fixed section. I’ve mentioned about those before in my previous posts. Insurance is subjective, everyone can buy whatever insurance makes them feel more secure. Personally, our insurance contains… Housing insurance, decreasing term life insurance, early crisis cover, SAF life insurance. All the internet and telco plans...

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Do You Live Life in Your OWN Time?

This video is something which I’ve pretty much been talking about… There’s no rush, everyone is different, if you’re comparing against someone else, that’s your OWN problem. In the end, it’s really just your own life. I don’t really like how the clip is presented, but I like the message which it contains… so I reckon it’s worth watching. [embedded...

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20 Brutal Truths About Life No One Wants to Admit

By Matthew Jones Contributor, Inc.com It’s much easier to talk about the weather, sports, and celebrities than your fear of mortality. Unfortunately, the more time you spend pretending that ultimate truths don’t exist, the more time you waste not being your authentic self and getting the most out of every precious second. Time, not money, is your most valuable asset. Allow the list below to ignite the spark of motivation you need to make better use of the time you have on this planet. Sometimes we need to head into the storm to appreciate the light and have a...

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10+ Wants that have become Needs

It’s very easy to forget… what are wants and what are needs. Really… I’m just coming up with a list of WANTS that many of us have conveniently classified as NEEDS… Furthermore, many of us are so fixated on this that we aren’t willing to downgrade to a normal/logical level of consumption, further rationalizing it as convenient, lazy, it’s affordable, and all kinds of other excuses. I won’t explain much on each point, you should know what I’m talking about. I’m not even talking about the luxuries or fancy bags, just simple stuff which we take so much for...

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