Author: Early Retirement SG

My wife is not frugal

I’ve thought about this a bit. My wife accepts the frugal lifestyle. She’s entirely ok with it. No complaints. So she just lets me handle the finances and she just asks me what card to use and how much we can spend on stuff for the month. But as I thought deeper, I realized that my wife isn’t naturally frugal. She’s ok with spending less currently cos I’m always around to keep her in check. But I do think about what happens if I’m not around. I think about my mortality a lot. As in, what would happen if...

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What if I was born somewhere else

Whenever I’m overseas, I look around and think… What if I was born here?Oh how different things would be.And the thing is, I would never know any better.Cos I was born in Singapore, I take for granted the benefits that comes along by being a Singapore citizen. I’ll give some simulations.Let’s say I was born in Malaysia.Firstly, I would take for granted the safety in Malaysia. Just by being born in Malaysia, I would think that such levels of safety was normal. I would think that the political system was normal.I would likely go to school, study, I would...

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The lies of the financial industry

I forgotten whether I have previously written about this. But I suppose it is also reasonable for me to talk about this again. I regularly watch news channels like CNN, Bloomberg, or read finance articles on Yahoo or Google. There are a lot of analysts who comment about the markets and try to rationalize the daily movements. The disgusting thing about it is that they will find whatever reasons to explain the movements and changed their commentary as they deem fit. Take for example an increase or expected increase in the FED interest rate. Theoretically, when interest rates increase...

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Selling and buying stuff on Carousell

(For this post I will use carousal as Carousell. Cos I’m using the iPad dictation to type cos typing out using the keyboard is just too slow.) I’ve posted about this before. About selling “worthless” stuff on carousal. I called the stuff worthless because as of this point in time the stuff actually is worth nothing to me. It is usually just taking up space in the corner of my house and if I can convert this to a couple of dollars it would be more beneficial to me regardless of how much I can get for it. Any...

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Traveling a lot

I’ve been traveling a lot. Following my wife on her biz trips. The flight aren’t expensive typically under $100. Accommodation is free. I’ve always thought that it would be fun to travel for business when I was working. You know, like a change in environment would make thee days shorter. Well, now I’m traveling almost once per month and I’m not enjoying it. It’s not so much the free flight and accommodation. But rather, I don’t have the luxuries of the stuff I have at home. Like I don’t have my laptop, so I’m typing this on the iPad....

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Your monthly expense is probably higher than you think

I wrote about my regular monthly expenses previously. Where I concluded that our monthly expenses is around $3115. This is just an estimate. I don’t track my expenses extremely closely. I started thinking a bit differently recently about my monthly expense. You see, my stand up vacuum cleaner, you know those battery charged ones, well, it’s getting a bit old and the battery is quite messed up. Don’t buy Electrolux stand up vacuum cleaners. After the first year, the battery charge becomes bad, so each charge doesn’t last as long as it used to. Anyway, it’s quite troublesome to...

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More ways to save

My wife dropped her phone during the NATAS fair. The screen cracked and she has been having trouble typing, cos some of the areas on the screen now does not sense the finger. So we decided to drop by the COMEX fairover the weekend. Ok long story short, we eventually went to the XiaoMi shop at Suntec city rather than the COMEX fair as the XiaoMi shop was offering the same promotions. So she shortlisted the model which she wanted to buy, which is the same model as what I’m using. XiaoMi 4X. Retail price, $219. So we went...

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Do you think this is normal?

OCD, I’m sure you’ve come across the term. Obsessive compulsive disorder. My wife thinks I’m OCD. A cleanliness and orderliness freak who cannot stand a mess. I don’t think so, but then again, no one really thinks they have any disorder. Let’s see what my wife comments about me. I can’t stand a messy/dusty floor. So I vacuum the house at various times of the day. Whenever the floor has a build up of hair, dust, I’ll just take out the vacuum cleaner and have a run around the house. It’s pretty fast, around 5 minutes. We use a...

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Where I would like to move to

I’ve thought of moving to another location many times. I’m not really thinking about migrating, but rather, moving for a long period to live when I’m older. I like Singapore for the medical, economic stability, property prices for investment, etc.May change in future, but for now, I like being a citizen and enjoying the benefits. If we are old now, 55+, and have a fair AUM, around $1 million, and Singapore is what it is now, I would like to remain a Singapore citizen but move to another place to stay.In future, I don’t know, cos things may change, the political environment...

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Abusing the system

I found this in the forums when I was having trouble hitting my minimum spending on my UOB credit card. Cos I was researching what do people use their credit cards on. Apparently, there are a bunch of people who totally take advantage of the system. I’m not really saying that it’s wrong. It’s pretty ingenious, but it takes some effort but I don’t really do it. Sometime back, the Standard Charted Manhattan card gives a 5% cashback for spending $3000 in a month, to a max of $200 cashback per quarter. Some folks go down to SP Services...

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Are you throwing away good food?

It’s quite simple English…“Best Before date”Meaning… This item is best before XXX date… this doesn’t mean that the item is BAD AFTER XXX date.It could simply mean… This item is good after XXX date but not best. A product is bad when it turns bad. It’s not about the date on the packaging. If you leave milk in the open for a whole day, it’s likely going to turn bad, regardless of the date on the pack.  ​”Expiry date” is not the same as “Best before date” Disclaimer : Ok I’ll state it right up front. If you do...

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Comex Fair 2017 – I'm pretty upset with M1

I usually pay attention to computer fairs. Cos these are the best times for me to buy my top up card for my M1 prepaid card. Today, I saw this for this weekend’s Comex fair. 31 Aug – 3 Sep @ Suntec I’m looking at the $29/mth deal for 500MB… Like damn you M1… I just downgraded my plan from 1gbps @ $44/mth to 300mbps @$29/mth. And now you offer 500mbps @ $29/mth. It’s pretty frustrating, cos something like this happened 2 years ago as well. It doesn’t really affect me cos I don’t think that the extra 200mbps...

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Have you been throwing away $15 a month?

Using cash is normal. There are still a number of places which do not accept credit cards. So 90% of people using cash is expected. However, according to this study, 43% of Singaporeans said that cash was the payment mode they used MOST often. Which I take it to mean that they will use cash for transactions which accept cards as well. I understand when it makes financial sense to use cash or bank transfers. Like most clinics only accept cash or NETS. Or when booking budget airlines, the cheapest payment mode is via bank transfers. Now these are...

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How watching a movie improved my budgeting

I don’t really like watching movies. As I grew older, I stopped watching movies cos I felt they were a waste of time. I don’t really like sitting down for 2 hours. Typically, if I want to know about a movie, I’d just read the plot on wikipedia. It summarizes the movie in around 5 minutes of reading time. I did watch movies when I was younger though. And there was this movie which I learnt quite a bit from. Have any of you watched “The Patriot” starring Mel Gibson, it’s about the American Revolutionary War. So you may...

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How much are your memories worth?

I don’t really like taking photographs. As in, I don’t like being in them. I don’t really mind being the one snapping them though. You see, when I was young, I didn’t like being in photos, you know, those picture perfect poses, and smiles, etc. and last time, we needed to take nice shots cos it wasn’t digital. So each pose needed to be done well. One shot, that’s all we usually got. My mum kept telling me. Just take the pictures. Please. I never understood why. She would say, in her youth, she never had the chance to...

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