Author: Early Retirement SG

I never expected to save money this way

I’ve mentioned this before. I had a change in weekend schedule and somehow this has allowed me to save a large amount of money. It was quite unexpected. My wife and I used to go out on Saturdays to walk around and eat some nicer food for breakfast and lunch and come home by around 2pm. Then maybe go out for a simpler dinner. But basically, on Saturday, we used to go out to eat all our 3 meals. Then on Sundays, we would visit our parents and spend the whole day there and come home after dinner at...

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Where do all the expensive cars come from?

A reader sent me a topic to write about. Very interesting topic which I did think about. There are many expensive cars in HDB carparks. Who owns them? How much do the owners earn? Cos I, myself also has felt how come I can’t afford such a vehicle. There are many ways to look at this question or comment, and of course I don’t have all the answers, but I’ll try to shed some light with what I know. Observation bias Firstly, there are a lot of expensive cars in HDB carparks. But, there are also a lot of...

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Total amount prepaid this month

This month has been insane. As I mentioned many times, due to my freegan activities, my daily grocery bill has dropped to almost zero. Along with my free vouchers from my wife’s AIA Vitality app. Furthermore, due to a change in weekend schedule, we go out to eat less. We used to go out on Saturdays and visit parents on Sundays. However our parent visits have been changed to Saturday. BUT, we don’t really have mood to go out on Sundays cos we just want to rest a little at home. So as a result, even Sunday meals are...

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Are we really able to relate to others?

I do apologize to my readers… As I go back my past posts, I’ve come to see that my posts have become heavily lopsided towards a freegan lifestyle. And I think maybe some readers will think it’s hard to relate to such a lifestyle… Similarly, on my side… I’m starting to be unable to relate to a normal lifestyle. The feeling is just so weird. I think… it’s like. How do you think an MP is able to relate to someone earning $2000 per month? When an MP earns so much more? If I earn $2000 per month, can...

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Freegan problems

The community has a term… Freegan problems… This is the term for problems mainly faced by freegans. It’s like, when people are complaining that their nail polish that they bought is of a wrong colour than as advertised… usually people refer to those as first world problems. So what are freegan problems? Well… they are usually about an overload of stuff. Now… I don’t collect many items. I just put out word to my neighbours that I’m willing to accept their second hand stuff so they pass me stuff and I just redirect them to other people. I don’t...

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Life is so simple, but why is it so complicated?

As I sit down and start typing after the long break… I was overseas before CNY, and then after CNY I didn’t post anything… So I was thinking… what’s up for this year??? Now that CNY is over. And I thought… well, same as how it’s always been. My relationship with my wife is very good. We are both generally happy, we get frustrated with each other at times, but nothing really serious. My wife goes to work on weekdays. I get free food and cook, and get other miscellaneous stuff if/when necessary, do the household administration, chores, make...

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DBS Live Fresh Card – A Fresh New Look

DBS is collaborating with homegrown sneaker artist and internationally renowned streetwear designer, Mr Sabotage to bring a fresh new look to the DBS Live Fresh Card. But that’s not all. It’s not just a superficial change. There’s some great benefits that come along with this new campaign. A little bit of background on Mr Sabotage. Mr Mark Ong is a famed sneaker artist whose work has graced the feet of international celebrities like Kobe Bryant and Linkin Park. Here’s the juicy part of this new campaign… UP TO 10% CASHBACK!!! It’s a bit unfortunate for me cos I already have...

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This biz trip is different from the rest

So as most readers already know. I’m overseas currently, following my wife on biz trip. Usually, it’s a boring trip for me. But she likes me around and the flight is under $100 to fly me over so I just accompany her. Previously, what usually happens is, on a regular day, I hardly do much. I wake up around 8am, turn on the news, prepare some coffee, watch some movies or try to eke out a post then at around 12 noon, I go downstairs to buy some light bites, usually 2 wraps (S$2 each) to eat at 12noon...

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Not everyone is ready to receive. Are you one of them?

Some people might not be ready to receive free things. Or new information to improve their lives. I have this experience quite regularly with my parents. When I suggest buying stuff online, they are reluctant. After much persuasion, my mum decided to check Courts online and she went to the retail store and told me that the prices are the same… I rolled my eyes. She just doesn’t get it. There are other websites, smaller merchants who will be able to sell her something at 10-20% cheaper. It’s hard to communicate this cos they are so reluctant to change...

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You won't believe the prices in KL

So I’m overseas again and I’m planning to buy my CNY goodies here to gift them to my parents and grandparents. Last year we had good savings from buying mooncakes from Malaysia and gifting them to family so we thought of doing the same for CNY goodies. Last year, we bought each CNY item at around $20 per container. Each delivery is usually 2 big containers for 4 deliveries. Parents and grandparents x2. So it costed us around $160. This year the average price is around $22 per container so it would likely have costed us around S$176. Couple...

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I never thought this would EVER happen to me

My wife has her AIA Vitality App. ​Every week, she gets $10 voucher, she usually redeems for $10 Cold Storage voucher and this voucher only lasts for 2 weeks. It has a very short expiry. Since we are going overseas on her business trip soon, we needed to spend this voucher quickly. So we decided to drop by Cold Storage to stock up on stuff. I’m sure most of us know, Cold Storage is the more expensive option for buying ANY form of grocery or toiletries. NTUC, Giant or Sheng Shiong would be better options… But since I have...

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Hospitalization plan & Eldershield

Many thanks to reader Ruby for suggesting this topic. I think about my hospitalization plan (H&S) very simply. Previously, without Medishield Life, it was only Medishield. And the suggestion previously was just get any Shield plan by any private insurer. Cos the old Medishield coverage just wasn’t sufficient. The coverage by private insurers at that time were about the same, but the premium prices were quite different. But they weren’t particularly exorbitant. So any private Shield plan would be better than the old Medishield. The options used to be something like… 1) Only Medishield – Insufficient coverage 2) Private...

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You won't believe what Will Smith said

Author Male, born in 1982. INTP Graduated with a degree majoring in Banking & Finance, Financial Adviser for a period of time resulting in in-depth knowledge of insurance products and marketing techniques of the industry. Inspired by MMM and ERE. Decided to embark on a mission to retire early in Singapore, a place where such an idea is considered impossible. As I believe that life has a lot more to offer instead of just a working career. I’ve decided to start a blog to note down my journey to achieve this mission and help others along the way who...

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Struggling with things to post

Recently, I’ve been struggling with things to post about… Previously, I talked about finance stuff, family stuff, relationships… shared some of my stories… And recently, “freegan” living has taken up a lot of my life. (I always put “freegan” with inverted commas cos, it’s not really free, there is effort, I’m still living in a money based lifestyle, etc… but for simplicity sake I use the term “freegan”.) Fairly “freegan” living or low cost living has made me less interested in finance/investment related topics. I still talk about that once in a while, but… when things are relatively free…...

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Why do you want more money?

I was talking with my friend about getting free stuff and was telling him that I get free vegetables and free merchandise… and people in the community are very happy to give away stuff. And I’m also very happy to give away stuff… And the first thing he asks is… do they give away free money? If they have spare cash and want to give it away he’s most willing to accept it… Now… once again, I’m not saying what’s right or wrong. I just want to try to reverse engineer what’s going through his mind… cos I was...

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