Author: Simple Budget, Simple Life

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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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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