Author: Simple Budget, Simple Life

Baby or no, is that your business?

For the first 20 odd years of my life, I’ve walked a predictable route. I was drilled from young that, to succeed in life, I must study hard. I didn’t study hard enough to get scholarships but it was passable. I walked the standard educational route, just like everyone else – passed my PSLE, passed my O Levels, went to JC and went to the local uni. The next was to find a job, get a flat, get married. And have a baby. But in this common route, there is something unpredictable and out of my control i.e having...

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Start of 2019 – doing nothing and daydreaming

The first week of 2019 has passed. Again, just like that, in a blink of an eye. I didn’t had a pleasant end to 2018, nor start of 2019 as I was sick with cough and phlegm. Still have not recover till date. The first week of work was pretty chill given that we only worked for 3 days. Things will pick up speed soon and I’m not really looking forward to it, but, I gotta work for bread and butter right? This weekend was spent doing nothing. I was mindlessly looking at financial blogs, in awe of some’s...

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End 2018 review – net worth at $372k

This year passed by exceptionally fast. So many things happened this year that if I don’t keep a blog, I’ll probably forget the details of what happened. Key things that happened this year: – Secured my flat in my dream location – Got married – Got promoted 2018 review Here’s a recap of what went by in 2018 Jan: Shared my 2017 review, and my net worth at $287k. Also shared about my hopes for 2018 which came true for most! Here’s a recap of my 2018 hopes: Receive my promotion this year (likely to happen)  ✅ Receive a...

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I’ve hit $200k in cash savings, except…

Years ago when I entered the workforce, I set myself goals (you can refer to the left side of my blog), mainly financial ones. I set to achieve $100k cash savings before 28. I shared my tips on how I achieved it here and they were really simple tips, mainly tweaks to your lifestyle (eg, dining at discounts).  I then set out to achieve $200k by 28. As 2018 draws to a close soon, I found out that I’ve hit $200k in cash savings.  Except, I’ve just parked $6k+ to my CPF MA for tax relief, and it has now dropped...

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I’ve hit $200k in cash savings, except…

Years ago when I entered the workforce, I set myself goals (you can refer to the left side of my blog), mainly financial ones. I set to achieve $100k cash savings before 28. I shared my tips on how I achieved it here and they were really simple tips, mainly tweaks to your lifestyle (eg, dining at discounts). I then set out to achieve $200k by 28. As 2018 draws to a close soon, I found out that I’ve hit $200k in cash savings. Except, I’ve just parked $6k+ to my CPF MA for tax relief, and it has now dropped...

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8D7N Hanoi, Sapa and Fansipan trip with full-fledge flight at >$1,500 for 2

If you are looking for a budget destination, how about heading to Hanoi, and adding in Sapa, Fansipan for an extra spice to your tour? The husband and I were there for a 8D7N trip (disclaimer – not my honeymoon. I haven’t plan one yet hehe) Most people exclaimed – so long!? What’s there to do? It is indeed long if we were to stay in just Hanoi alone. After all, Hanoi was pretty boring as we could cover Old and French Quarter in a day. Our days in Hanoi were spent on food, facial and massages 😛If you...

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8D7N Hanoi, Sapa and Fansipan trip with full-fledge flight at >$1,500 for 2

If you are looking for a budget destination, how about heading to Hanoi, and adding in Sapa, Fansipan for an extra spice to your tour? The husband and I were there for a 8D7N trip (disclaimer – not my honeymoon. I haven’t plan one yet hehe) Most people exclaimed – so long!? What’s there to do? It is indeed long if we were to stay in just Hanoi alone. After all, Hanoi was pretty...

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Dining lobang – dine at 50% off plus get rewards when you make reservations?

Good lobang must share! Ever since I discovered Chope, my partner and I have been using it as a fuss free way to make reservations at restaurants – no more waiting for the restaurants to pick up my calls! Not only is it more convenient for me to book a seat at popular restaurants, with every reservation, I could earn 100 chope dollars! And the first 400 chope dollars allow me to redeem for a $10 voucher to offset my bill at a wide list of restaurants such as 49 seats, Standing Sushi Bar, Yum Cha and more (just...

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Dining lobang – dine at 50% off plus get rewards when you make reservations?

Good lobang must share! Ever since I discovered Chope, my partner and I have been using it as a fuss free way to make reservations at restaurants – no more waiting for the restaurants to pick up my calls! Not only is it more convenient for me to book a seat at popular restaurants, with every reservation, I could earn 100 chope dollars! And the first 400 chope dollars allow me to redeem for a $10 voucher to offset my bill at a wide list of restaurants such as 49 seats, Standing Sushi Bar, Yum Cha and more (just listing my frequent dining places hoho) If...

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Singlife 3% Endowment Plan. Would you sign?

I was scrolling through FB recently when I saw an ad that attracted my attention. Reminded me of the FWD 2.02% plan one year ago – which I applied for. Now Singlife is offering a 3% GUARANTEED plan which last till 30 Nov, at up to $6k: This Single Premium Endowment product’s availability is based on a first-come-first-served basis and is only available for purchase while the acceptance tranche is still open. Singapore Life reserves the right to decline any application that does not fulfil the requirement of a complete application without prior notice, including the invalidity of payment received. (1) The guaranteed maturity yield...

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Singlife 3% Endowment Plan. Would you sign?

I was scrolling through FB recently when I saw an ad that attracted my attention.Now Singlife is offering a 3% GUARANTEED plan which last till 30 Nov, at up to $6k: This Single Premium Endowment product’s availability is based on a first-come-first-served basis and is only available for purchase while the acceptance tranche is still open. Singapore Life reserves the right to decline any application that does not fulfil the requirement of a complete application without prior notice, including the invalidity of payment received. (1) The guaranteed maturity yield is 2.20% p.a. and 2.50% p.a. for 3-year-term and 5-year-term...

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Protecting myself with GIRO payments

I’ve stopped tracking my budget daily. And I even forgot to pay my credit card bills resulting in late charges and interest fees! I was on the verge of tears when I saw late charges of $160 on my two credit cards. I’ve no idea what’s wrong with me for lacking the discipline to do all these. What happened to the diligent me tracking every single purchase and tallying it with my credit card bills? Why do I feel drained after work although this job is less tedious than my previous one where I’ve been loaded with too much...

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Protecting myself with GIRO payments

Ever since I started my new work, I’ve been in a daze. I’ve stopped tracking my budget daily. And I even forgot to pay my credit card bills resulting in late charges and interest fees! I was on the verge of tears when I saw late charges of $160 on my two credit cards. I’ve no idea what’s wrong with me for lacking the discipline to do all these. What happened to the diligent me tracking every single purchase and tallying it with my credit card bills? Why do I feel drained after work although this job is less...

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Video of the day – How I learned to read — and trade stocks — in prison

It’s been a long time since I watched a compelling TED video and furthermore, on financial literacy which I’m always interested about. This man right here, used to go to prison and can’t read for nuts. But this man right now, speaks s owell, every sentence of his got me nodding my head. He speaks in such clear sentences, with simple yet strong words strung together. 👏 Thought I had to...

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Goodbye BOC Smartsaver account. Hello DBS Multiplier

I’ve officially severed ties with my BOC Smartsaver account, after a good 2 years. With the disappointing revision to the BOC Family card, which used to be the BEST credit card I had, it just wasn’t worth keeping the bulk of my cash in BOC anymore. Since Aug, I’ve jumped ship to DBS Multiplier and left the minimum balance of $1,500 in my BOC. Today, as I passed by the BOC branch at Jurong East, I decided to just close the account. No point leaving my $1,500 there when I can transfer it to other accounts to generate more...

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