Author: Simple Budget, Simple Life

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 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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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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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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How I manage to cover the full cost of my wedding

For people my age, wedding bells have been ringing. A few years ago, we started out in the workforce, fresh from school, trying to earn our keeps and manoeuvre ourselves in the dogs eat dogs working world. As we earned our keeps, we also knew we had to save for impending cost bombs – for house, for wedding, for kids, and for retirement. Back then, I set my goal to save $100k and I managed to hit it at age 25. I knew time was on my side and I had keep my expenses low in order to save....

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The cost of my budget wedding – all-in @ ~$27,000

Hey everyone! I’ve been MIA for some time because…..I just got married! My wedding planning started back in Jul 2017, and the first plan I did was to decide the amount of money I bear to spend for the wedding. I also did a breakdown of the budget for each item such as banquet, photographer, videographer, MUA etc and then sourced for vendors within the budget. I did extensive research on which are the best deals/value-for-money and also filtered out things that I feel are just a waste of money. Since my husband and I are paying for the...

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Foul day at my new workplace

Hi guys. I wanted to blog only after I’m settled down at work and with my life event but I needed an outlet to complain and release my pent-up unhappiness. So, I mentioned that I’ve changed job. It hasn’t been a month and I’m still adjusting myself. I’m still enjoying my honeymoon stage since I’m new, though it’s not like I’m not working la…just that in comparison to others who worked longer, my full load hasn’t come in yet. I’m lying low for now given that I’ve my wedding to prep for. Within these few weeks here, I’ve some...

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BOC Family card nearly sucked $305 away from me, so goodbye to BOC!

I used to be an advocate for BOC, given it’s attractive interest for it’s Smartsaver account and the good rebates for the BOC Family card. Until one day, BOC decided to review the Family card terms….and well, it suck. I was disappointed with the changes and has since then, stopped using the card. And with that, I’ve now jumped the boat to DBS Multiplier for my salary crediting. Meaning to say, BOC is no longer my main account. I still keep the Family card though, just in case BOC changes their mind again and review the terms to be...

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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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