Author: Minimalist in the city

Minimalist in the City – 800 more days to FI

200 days has passed since our FI declaration in October 2017 and life has never been better. Technically, it also means that we are 800 days away from our FI target. We have yet to establish concrete plans as to what we will be doing once we reach that point but with sufficient FU money in our coffer then, there is always the possibility that we might explore a mini-retirement before deciding on anything further. Mount Cook, New Zealand You should always strive for Financial Independence, Early Retirement is optional Whether we will be retiring in its entirety is still something...

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Uncluttered

Many would automatically associate being a minimalist to that of white spaces, high ceilings, monotones etc. Well, that’s probably just the aesthetics of it but one of the most important factor is to unclutter and declutter. When Dave and I first started out this journey, it was a lot of trial and error. A lot of what we did were based on the KonMarie method but at the same time, we also referred to tips and know-how from other prominent minimalists. Joshua Becker being one of them. Joshua Becker conducts the a highly popular program – the Uncluttered course....

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Interview series – My15hourworkweek

Earlier last month, Dave and I had the pleasure to meet up with Thomas and his lovely wife, Jasmine, from the popular local investment blog My15hourworkweek. We had a good session together and had the opportunity to host them at our place. During the session, we shared many things, and got to know a lot about this couple, their values, and approach to money. If you are new to their blog, suggest you to check it out, highly recommended! We thought we would also take the opportunity to do an interview series with them for the benefit of our...

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March 2018 – Monthly Update

March is the month that our little baby, Ashton turns 4 months old. With his bubbly expressions and chubby face, everyone seems to think that he is the cutest baby around (Daddy pride here speaking). Ally also loves her baby brother a lot and even proclaimed numerous times that she will introduce her brother to her classmates when Ashton starts school. As for me and Kate, we feel really bless to have him as a new addition to our family. Work As for work, this is probably the time where most employees are looking forward to their bonuses and increments....

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Mar 2018 – Monthly Update

March is the month that our little baby, Ashton turns 4 months old. With his bubbly expressions and chubby face, everyone seems to think that he is the cutest baby around (Daddy pride here speaking). Ally also loves her baby brother a lot and even proclaimed numerous times that she will introduce her brother to her classmates when Ashton starts school. As for me and Kate, we feel really bless to have him as a new addition to our family. Work As for work, this is probably the time where most employees are looking forward to their bonuses and increments....

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The pursuit of happiness

Is happiness a choice or a matter of circumstance? Another one of those feel-good philosophical question that perhaps have been discussed a gazillion times in other articles and posts. There is also a movie and book with the same title (although I think that’s more of a realistic, inspiring, yet brutally honest account of an individual). Anyway, back to the above question. My personal take is, happiness is a choice.  And that has been my view since 12 years ago. So what shaped this view then? In 2016, I went on an overseas internship in Mumbai, India. It was...

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Random thoughts of the day – A different life (part 2)

In my previous post, I had discussed how life might have been different if I had pursue my academic passions (or my self-perceived passions), and perhaps would end up with a different faculty, career, and ultimately, a different life. I might be doing something very different right now. Perhaps I am an art curator, in the midst of a meeting discussing on the next exhibition series. Or perhaps I am the mother of a pair of twins, and a stay at home home, married to someone else. Ok that sounds totally random. But it is. I could be anything...

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Random thoughts of the day – A different life (part 1)

I chanced upon a post by Sillyinvestor and the subsequent commentary between him and his readers and it hit me strongly. Perhaps because I think it kind of reflected my situation then. By way of background, Sillyinvestor is a primary school teacher in Singapore and his latest blogpost chronicles some of the issues and challenges of educators in Singapore, as well as guiding them in other areas aside from academics, teaching them about “life”. Or rather, life lessons. The Singapore education system is perhaps one of the most robust in the world (according to rankings on academic results), and ranked...

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Can you really blame the consumers for the increasing cost of health shields?

Ok, perhaps I am a bit late to the party, since this has been widely covered in the mainstream press, as well as various other bloggers and sites. As many of our readers would know from our monthly updates, one part of the fixed expense would be our insurance premiums. This also include the partial cost of the shield plans of my parents. We had recently renewed the shield plan for them, and because of their age (hitting the new age band) and my mum’s history of making a claim about 10 months back,  the premiums has also (exponentially)...

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Feb 2018 – Monthly Update

February is the month that Kate and I celebrated our birthdays which falls on the same day. How coincidental is that even though we are three years apart. Ashton also celebrated his very first Chinese New Year with us and I guess he is the centre of attraction for all our visiting done this year. We also had simple steamboat reunion dinner with both side of our family at home with the inclusion of our birthday cake. My brother bought us a nice Lemon and Yuzu cheesecake from Cat and the Fiddle and it was super delicious!!! A mild...

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Raising a newborn

A reader once commented, even though he has no kids now, but he would envisage minimal outlay when he has one, perhaps mainly the diapers and milk powder. To be honest, raising a child is not exactly that expensive an affair. It is also highly dependent on the expectations of the parents, and striking a balance between the needs and the wants. Many parents would comment that raising a kid is not cheap, as subsequently the older they get, it might get more expensive since that is also the time that they start sourcing for additional enrichment classes, which...

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Feb 2018 – Monthly Update

February is the month that Kate and I celebrated our birthdays which falls on the same day. How coincidental is that even though we are three years apart. Ashton also celebrated his very first Chinese New Year with us and I guess he is the centre of attraction for all our visiting done this year. We also had simple steamboat reunion dinner with both side of our family at home with the inclusion of our birthday cake. My brother bought us a nice Lemon and Yuzu cheesecake from Cat and the Fiddle and it was super delicious!!! A mild...

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How we celebrated Lunar New Year

A happy Lunar New Year to all our Chinese readers! I recalled when I was a kid, during the Lunar New Year period, I will be super excited. My mum will take me and my sibling to go shopping and we will buy two sets of new clothing (predominantly red) so that we can wear them during the first two days of the Lunar New Year (In Singapore, we get two days off for Lunar New Year. China, Hong Kong and Taiwan get different days off). Occasionally, we even got new shoes as well to go along with the...

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Childhood vacinnation cost in Singapore

Aside from the cost incurred during pregnancy and delivery, another area which could potentially chalk up quite a bit during the first few months with your newborn is bringing them for their respective vaccinations. During the first year, there are a few which are compulsory, though there are other vaccinations that are optional but parents may chose to opt in. The good news for Singapore citizens is that – a lot of these vacinnations are either free, payable by medisave, or requires little out of pocket payment (payment by CDA account is also possible). This is only so if...

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Jan 2018 – Monthly Update

January is the month that we start managing baby Ashton on our own without the help of the confinement lady. The days are long but before we realised, he is already 2 months old. I guess we are coping better this time round as we are more physically and mentally prepared as compared to our experience with Ally then. Nowadays, our activities revolve around our two kids and I guess there will be little personal time for at least the next two years. We also do not  forsee any travel for this year as it is not easy handling...

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