Author: Early Retirement SG

Cash and Wait or Stay Invested

Ok, this is a common question asked… Once again I will say, this is not any recommendation to buy or sell or any investment advice. I have experienced this myself so I am just highlighting what I feel/felt about investments and waiting for crashes. I’ve been sitting on pretty much cash for sometime already. Once again, this is not to say that this is the best strategy. This is what I think is suitable for me and my own situation. Ok so basically, the idea is very simple. If I hold cash and wait is that better? Or is...

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How not to look Cheapo

Ok, now different people define cheapo-ness very differently. But more often than not, when someone is generous, people don’t say he is cheapo. If you buy me a meal, not necessarily an expensive one, I will probably not think you are cheapo. Cos, I don’t expect people to buy me meals and anyone generous enough to buy me a meal probably isn’t cheapo… So when someone was telling me a story that their friend brought their kids to the zoo and refused to buy a drink for the kids in the hot weather, cos zoo products are expensive (I...

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The irony of life

I just posted earlier this morning that I likely won’t be dumpster diving during this rainy season… Cos it’s wet and miserable and the merchandise are also wet and sloppy… I went out today and came home around 3pm… I decided to take a walk around the estate, in a more indirect route, on my way to the NTUC to buy groceries *GASP* my first time buying in over a month. And I was walking behind the Veolia truck, so I thought, “Heck, I wouldn’t be picking anything up.” Cos they are collecting trash, so I took a more...

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Some after thoughts on freegan-ism

Ok, so things have finally settled down after my initial furore on freeganism. Life is pretty much back to normal. I still really like the idea and mentality, so please, don’t think that I’m writing anything bad about it. I’ve left a couple of the chat groups, cos they have gotten too big and it’s kinda messy for me, I’m not someone who likes big groups. Some of the groups have moved on to do bigger things like distribute food to other charitable organizations so it’s pretty cool. What’s left in my house that’s “new” stuff is… 11 golf...

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This company is scary

Google knows everything… I’m overseas again… so posts may be slower and likely less… Anyway… I was thinking… It’s real scary… Google. Cos a lot of us. Not all, but a lot of us sign into our Google accounts and we just do our daily stuff online. And Google watches and tracks all these. Like if you book air tickets, they will scan through your email and “know” that you’re flying soon. And if you search for the country after booking your tickets, the search results will also show when you’re going to fly. So Google has a lot...

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Will I renovate my flat again?

Just came out on yahoo today… https://sg.yahoo.com/finance/news/much-cost-renovate-hdb-flat-000000886.html They didn’t really say if their costing is based on a new flat or old flat, but doesn’t matter, the price ranges around $20k-$40k. Value Penguin even estimated $55k… Whatever… Ok so regular readers of my blog know that I renovated and furnished my place for $18,000. This includes all my sofa, TV, cupboards, etc… I only in-built my kitchen. Everything else is off the shelf. And when I read that yahoo post, I wondered… would I ever renovate my home? Or what would I change? Or when would I decide to...

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Even cheaper than Freeganism

Over the weekend, I found something even cheaper than Freeganism… Like… how cool is that right. Super awesome… So we all have heard of vegetarians. People who consume no animal products. Mainly vegetable products… I learnt of a new group of people… called Breatharians… People who ONLY breathe… Like seriously… Check out Inedia from Wiki. It’s called Breatharians, people who just breathe, or breatharianism, which is the act of it… So the folks just think that they can survive just on sunlight and life energy via breathing and sunbathing. Can you imagine, it’s awesome, I don’t even need to travel...

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What so great about being frugal?

I sometimes wonder, what so great about being frugal. We always pat ourselves on the back and say, “Well done, we didn’t spend much, we aren’t in cc debt, we save 60-80% of our income.” We aren’t the consumer suckers who get themselves in consumer debt… But based on previous estimations, people in cc debt are something like only 10-15% of people. So why do we say we are doing better than them? It’s like comparing against the worst. So there are rich people who get into cc debt, and there are lower income people who get into cc...

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Expense Tracking

Ever since my freegan experience started when I came back from overseas about a month ago, I was trying to cut down my expenses. I never thought I would ever be interested to track my expenses closely, cos I tend to run on estimates. But when I was introduced to the freegan community, I realized that at a certain point, tracking of expenses is necessary. When you’re trying to cut off $50 from a $500 budget, you really need to know where the money has gone. Whereas if I’m trying to cut off $100 from a $1000 budget, all...

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What's lacking in the freegan community

As the freegan community grows due to the media attention, there have been many new joiners to the community. Daniel has been interviewed by a number of media outlets so every time he does a segment, the community sees a jump in numbers. I think it’s really attractive to be getting stuff free. So it’s pretty Singaporean to want to join such a community to get stuff for free. So when people hear about it in the media, they join the community to get free stuff or to learn how to get free stuff. But not everyone joins the...

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Streamlining my Freegan activities

Merry Christmas everybody!!! Ok, so I’ve been doing some freegan activities for the past month, ever since I came back from overseas. It seemed so much longer than just 1 month. I tried quite a number of things to get a good feel of what it was all about. Incurred a little bit of extra transport charges, etc. But was a great learning journey. Over the weekend, I was gathering my thoughts about how my new freegan mentality has changed my life and what activities I would like to add to my own personal money saving activities. Now, this...

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Where the System Breaks

So from my past few dumpster dive experiences, I assume my hourly value earn rate to be around $100 per hour. I say value earn rate, cos it’s not money, I get some form of value which IF I bought from retail, it would be $100 or more. Once again, I say, I can’t sell the items back to the economy at $100, but if I used cash, I would need to pay $100 for maybe a printer and a pair of cigars… but I can’t really turn it into cash easily, but I have the value… So this...

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What am I writing about?

As I think back as I type, I constantly wonder, what am I writing about. It’s really quite a number of topics… ​From when I first started til now… and how things have changed… When I first started, I think I was more mathematical… Really about the numbers. The returns, how much to earn, how much to save, etc etc… Then somewhere in between, people started asking me about how it was like to quit my job, how I discussed all this with my wife and what I do in the day, pretty much about the usual challenges of...

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A Quick Dive

So today, Saturday, 16 Dec 2017. I haven’t dumpster dived in a week or so. So I thought to myself. How about I try to do my 4th dumpster dive. Just a quick one. Just 3 blocks of flats, around 6 big dumpsters and any items left around the lift lobby. This should maybe take only 30-45 minutes. ​I wonder how much I could find in a short time frame. I intentionally set a short time frame to see how much I could find with only 3 blocks of flats. So I went through and picked up some of...

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My Precious

​Today, I received a couple of comments by reader Cheryl. ​I was pretty stunned by this.  I mean… The audacity to ask for free stuff. Like I had to lug all these stuff and dig through the trash for all these. And I even had to walk through the rain on one occasion. These are all my precious treasures. I have already even listed the foam tiles on Carousel for sale.  I make only around 30¢ – 50¢ per day for running this blog. The items aren’t even listed on my giveaway page. Like, in what world do you...

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