Author: Simple Budget, Simple Life

My thoughts during my 1 month notice period

And so, I’ve resigned. When my colleagues knew, many were shocked, given how stable I was at work (or how I seem to be). Some said they expected it, since I was still young. Some said they were shocked, yet expected it. Whatever it is, I’ve come to realise a few things during my notice period and I’m here to share my thoughts. Everyone is dying to leave this place During the past few weeks, I get varied comments from people. The most common comment I heard was – you must be happy to get out of this place....

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July updates – CIMB 1.8% Fixed Deposit, $7k for CPF SA, stocks transactions and saying goodbye to my 1st job

Aloha. Some updates on what’s going on with my life…. A. I accepted the job offer Ever since I received the job offer, I’ve been feeling jittery. I kept playing the angel and devil’s advocate and in the end, decided to take up the offer. I still worry about the instability in the new place, but at worst, I’ll just find another job if I can’t survive there. The new salary, although not a lot, is also better than if I stay put. I figured I might only get this salary 2 years later. So, hopefully, things pan out...

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An offer came…and I’m undecided

2 months ago, I shared that I’ve thought about leaving my first job. 2 months later, I received an offer and I’m torn. I’m a practical person. At the end of it, a job is just for me to survive – I need a monthly stream of income to build a home, build a family, feed myself and my family, and to save enough for retirement. So when the offer came, theoretically I should without a doubt accept it, since there was a pay increase. The pay increase isn’t a lot though, but it would still be one two hundred...

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How I save >$150k before 28 – updated tips

2 years ago, I shared my achievement of hitting $100k cash before 28. Today, I’d like to share how I accumulated >$50k within 2 years time. Honestly, saving around $25k a year is nothing to brag about. But I hope that with my revised tips – which doesn’t differ much from what I had two years ago – would inspire or motivate you, especially the younger ones, to do the same for yourself. To save money, start with discipline. Set a goal – When I achieved $100k at 25, I set myself a new goal to hit $200k by...

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My Mother’s Day gift – $7,000 for her CPF RA

The recent events in my life taught me to cherish my loved ones, and there’s no time to lose. I don’t wish to regret the things I’ve not done in the future. I’ve been trying to make it a point to celebrate every event possible with them. We aren’t big on words or actions, so our celebration usually just revolves around dining out as a family. I’ve also make it a resolution to bring my family overseas once a year. I could tell my parents really enjoyed their time at the cruise which I brought them to early this...

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I’m thinking of leaving my first job

I’m thinking of leaving my first job. Looking back, it was a struggle finding my first job. While peers started getting job offers and accepting them one by one, I was still attending interviews waiting for that one offer. I only started my job 4 months after my graduation. That also meant I earned 4 months less salaries than some in my life 😛 I still remember my parents worrying if I’d secure a job. I could see it from their faces. I remember feeling disappointed with myself because I wanted to earn my own keep and start giving them...

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Q1 review – Hitting $150k in cash savings

April. Rejoice! Last time this year, I blogged about how this is the most anticipated time of my work year. These few months, I was so busy that I even overlooked the news of my HDB ballot number. And when I heard about my promotion, I wasn’t particularly excited. I was so mentally exhausted that I question, is this all worth it? But today, I’d like to remind myself. That this too shall pass. I’m still facing shit at work. I still feel incompetent and stress when I can’t seem to get things done. I still can’t sleep well...

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My 10 credit cards and which to say goodbye to 😢

I know I’ve loads of credit cards. But it scares me a little to know that I’ve a total of 10 cards after tabulating the below. Guess it’s timely to do a review of the cards I have so I know which to use and which to say byebye to! Here’s the summary of my 10 credit cards and which to say goodbye to: To keep 1. SC Manhattan – to keep for big ticket items (note: card is no longer available for application)   2. SC Unlimited cashback – no min. spend to keep for 1.5% cashback on...

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Disappointing revision to BOC Family Card

All good things always come to an end. Readers would know I’m quite an advocate of BOC, given it’s relatively attractive rebates and interests it has been providing me. Just a few hours ago, I received an sms from BOC informing of the “enhanced” benefits for my Family Card. From 23 Apr, enjoy 10% cash rebate on Dining everyday (local & overseas) & Movies. Plus, get 5% on Telco bills! Continue to earn 5% for Online, Supermarket, Hospital bills, selected merchants & 2% on supplementary card. At first glance, I smiled. Dining rebates is now enhanced from 7% to...

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4D3N Bali travel insurance for $12.05

I’m back! I finally had time for a short breather after days of overtime at night and weekends for work. I’ve been complaining to my partner that I badly need a break. An overseas break. I needed to get away from the constant beeping on my phone and away from my work laptop. So, in between my daily commute and lunch breaks, I’ve been checking out deals for a short getaway. My budget…below $500 for two for a 4d3n trip. With some luck, I managed to book my Bali trip at <$400 for air tickets and accommodation. Next up...

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Double happiness but no mood/time to celebrate

For the past 2 months since the end of December, I have not been resting well. December was supposed to be a dull period; workload should have lessen since the bosses are mostly overseas; but it wasn’t. Due to a big project I’m handling, I’ve been working really late every day. I’ve also been waking up early and reaching office before my official start time – not because I want to, but because my brain is constantly alert and worrying about the mountain of work that needs to be done. I haven’t been sleeping well. It’s Feb now. Things...

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The lure of Feb 2018 Singapore Savings Bond

I am always on the look out for the best place to park my money. This is one of ways I accumulated $100k cash savings before 28. So when I came across the Feb 2018 Savings Bond, my eye popped. The SSB is not new to me. I’ve subscribed it twice – one in Oct 2015 (the first SSB), and the next in May 2017 – at $5k each. The interest rates are pasted below for reference: Oct 2015: May 2017: Both bonds gives me decent interest rate. However, the con is to hold it out for 10 years...

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End 2017 review – net worth at $287k

I’ve gotten lazy. I should have joined the hype like everyone else talking about my 2017 achievements and setting 2018 goals, but no, I felt like there wasn’t a need to. Who would be interested in my 2017 achievements anyway? But I figured, tracking these down are not for you, it’s for me. It’s for me to document down bits and pieces of my thoughts so that one day I can look back and recall what I went through. So hey, it’s the 2nd week of 2018. Work has drained the hell out of my soul and I’ve only...

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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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