Author: Simple Budget, Simple Life

Recommending KTPH for Wisdom Tooth Surgery

If you have wisdom tooth that has yet to be removed, please get a referral from the polyclinic and arrange an appointment at the govt restructured hospitals. For me, I headed to KTPH for my surgery after reading all the good reviews despite staying very far away from KTPH. One dentist that stood out was Dr Sylvia Tay – google her and you can read all the positive reviews about her. Trusting the online reviews, I knew I had to get her to do my surgeries. I have 3 wisdom teeth to be extracted. One at the top just...

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5 tips on how I save money when dining out + promo/referral codes

Owning a personal finance blog doesn’t mean I scrimp and live a sad life. It also doesn’t mean I’m stingy and deprive myself from material stuffs! There are things that I’ll never regret spending on….and that is GOOD FOOD[embedded content] With no interest in makeup, expensive clothings and bags, these have saved me money… but I do spend quite a lot on food, more so with a gluttony partner. Also, being a boring person, I naturally have nothing interesting to do with my partner except to hunt for good food lah. I love my hawker food, but sometimes, we...

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The $10 bet – Part 2

It’s amusing to re-read my blogpost more than a year ago. Back then, I submitted my 3rd $10 bet. I akin it to TOTO because it’s like striking lottery. If you’re lucky, you’ll get the place you desire (for some, it’s literally worth a million-dollar). If not, you’ll just keep betting till you…someday, one day, hopefully, gets it. And I, one year down the road, am still betting on my chance. How interesting. I haven’t realise how desperate I must have felt each time I got a rejection. One year down and I’ve already made 3 additional bets, all...

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Living near cashless for the past 4 years

Cash is king. Or so the old saying goes. As we move towards a cashless society, we should rephrase into this thinking – money is forever king, but cash? We probably can do without it. Take my case for example. I have been living nearly cashless ever since I have my credit cards four years ago. I barely have much notes in my wallet. Receipts? Aplenty. Ask my mom and she can testify. “Aiyo, your wallet always no cash, so poor meh! How you buy things?” “Use cards lor!” You see, the moment I step out of my house....

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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