Author: Simple Budget, Simple Life

7 Days Taiwan trip at $115/day all-in

I went for my 7 days holiday to Taiwan in Sept and was thankful that the typhoon didn’t disrupt my trip but it was super hot there! I always thought Sept would be a pretty good time to travel – think autumn leaves and cooling weather. I was so wrong. It felt hotter than Singapore, and the sun was just so unforgiving. I turned from a pale girl to a roasted one there. So, if you’re travelling these these few weeks, please put on your sunblock, sunglasses and a cap! My 7 days trip brought me to places like...

Read More

Stocktaking my insurance plans – how covered am I?

Reading this Seedly article inspired me to do a stock-take of my insurance plan. Some background about me: – I’ve a few more years to welcome my 30s – I’ve worked for 4 years – I bought my 1st insurance (hospitalisation plan) when I started working – I’m not married yet I feel that buying insurance is a responsibility. It is a responsibility towards myself and my loved ones. Nobody wish to deplete their hard-earned savings for a sudden incident. If you’re lucky enough, your incident could be a once-off, curable event. Otherwise, your incident could cost you your life...

Read More

I just lost $100 cashback from POSB Everyday card

Like all budget savy young couples planning their banquet, we all aim to clock as much rewards be it cashback or miles from our banquet purchase. After all, a banquet, even at a restaurant, sets us back to a 5 digit sum for more than 100 pax. My partner and I have decided to hold our banquet at a Chinese restaurant next year. So, a few months back, we made our deposit of $2000 to lock in the wedding date. Prior to this, I was at my desk calculating the different cashback I would receive using various cards. After...

Read More

BOC credit card gave me a heart attack

Right now, my head is still spinning. Spinning from the unfriendly ibanking BOC portal and trying to figure out my credit card statement and payments. I was palpitating when I saw huge amounts debited in my Aug statement. It was a $280 “annual fee”, $19.95 “goods and services tax”, and near $80 “interest in the payment” amount. [embedded content] As much as I enjoy earning BOC’s interests and rebates, I get confused sometimes with their ibanking portal. BOC has gotta up their portal design man. I always have difficulties understanding their credit card statements. Called BOC and it turns...

Read More

Tips, promo codes and how I save from my 7 days Taiwan trip for two

One of the best feelings in the world is travelling for a holiday. But before this, we often go through the worst feelings planning for a budget holiday (if you’re a rich kid, please ignore this post ’cause it’s not relevant for you yo!) I recently went through a hair-pulling experience planning for my Taiwan trip for 2. My partner is supposed to plan it for me, but I trust no one when it comes to making wise (money) decisions. I don’t know what type of personality I have, but I really need to be in control and know...

Read More

Parking my extra $14,000 cash into CPF for better returns

Some people see putting money into CPF as a foolish thing to do. They do not believe in the CPF system for it locks their money up unless conditions are satisfied. They may be right, and they may be wrong, for there are no perfect systems. I am putting my faith in CPF as a way for me to generate higher returns for my retirement. A 4% p.a interest in risk-free environment. Other than CPF, which other systems provide such benefits? I am only in my twenties, and have close to 30 years till 55 before I could start...

Read More

Extra $160 after a year’s wait – SBI 1.6% FD

I blogged about my achievement of having $100k savings before age 28 some time back. One way I could achieve this was to make sure my money grows through FDs. However, in recent months, the interest rates have been dropping. I used to see CIMB offering 1.8% p.a for a $10,000 fresh funds deposit, now it’s 1.2% p.a for a 6 months tenure with a minimum $20k deposit. One year ago, I chanced upon the State Bank of India offering a 1.6% interest p.a on minimum $10k deposit. It was the best deal I’ve seen then. I was contemplating about...

Read More

4-steps skincare routine at less than $55

When it comes to skincare products or toiletries, I’ve a few rules that I follow: – as best as possible, items should be free from SLS and parabens – application should be hassle-free – and most importantly, product must be value for money With that, I’m going to share with you my budget 4-steps skincare routine which cost you less than $55, bearing in mind some of the products could last over a year! 1. Makeup/Sunblock Remover >Nutive Organic Virgin Coconut Oil: $18 for 444ml In recent years, there’s been a hype surrounding the many uses of coconut oil. One of...

Read More

Mid-Year Finance Stocktake – Total net worth: $256k

Hi there. We’re now halfway to the end of 2017. Time flies isn’t it? I remembered (actually I didn’t, only realised when I looked through my blog posts), blogging about my “achievements” in 2016 at the start of the year. For the past half year, things was rather smooth-sailing. Work was ok, I had a 10% increase in my salary, bonus was decent considering the market outlook now, and I’ve also added in a few stocks to my portfolio….of which only Keppel Reits earned me some money. The rest were disappointing but thank god I won’t lose my sleep...

Read More

Buying insurance is a responsibility

  Growing up, I never had any insurance plans. My mom defended that my dad never had enough money, so how in the world would they have money to pay for our insurances? You may judge me, but I felt that was an irresponsible thing to do. Thank god we never had to be admitted to the hospitals, but what if something happens? I was really emotional about our lack of insurance plans. I felt that they didn’t care. The only thing they bought was an endowment plan that matured when I turned 21, I believed. The last I...

Read More

Get your wisdom tooth extracted at govt hospitals

I previously complained about my wisdom teeth. Some people are lucky – they either dont have wisdom tooth, or their wisdom tooth grew well vertically. Since young, I don’t have much luck with my teeth. I had braces done for very vain reason because my front tooth was protruding outwards. Other than that, the rest of my teeth are generally fine. I recalled paying $3500 back in 2005-2007. Oh man, that was a long long time. I’m not sure how much braces cost nowadays, but it was a lot of money back then considering how I had to dig...

Read More

The stress of wedding planning

No no, please don’t congratulate me. I’ve not settled on a wedding date yet, though I hope to soon. But even before the planning starts, I’m already feeling the stress. Budget is one thing, but for me the worst is the support or lack of. I’m a person with few friends. I’ve shared this in my previous entry. I texted a friend about my thoughts of getting married next year, but I didn’t get a reply. I was bothered by it for 2 days so I texted back. Busy, she says, ttyl. If I was a third party, I’d...

Read More

Reminding myself to let go

This is a post to myself.   I know you’re a difficult person to please. You’ve expectations of everything. You take many things seriously. And, you play again and again in your head, what people said of you and to you.   You wish to stop these thoughts from coming. But you can’t.   Those childhood memories keep flooding to you in your dreams. You dreamt about being looked down upon. You dreamt that you could hear what they were gossiping about, and it was all about you. You wondered how could they bear to say or joke about...

Read More

Like us on Facebook

Follow us on Twitter