Author: Simple Budget, Simple Life

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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...

Read More

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....

Read More

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...

Read More

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...

Read More

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...

Read More

Like us on Facebook

Follow us on Twitter