Author: Simple Budget, Simple Life

Budget Tracking: Apr 2016

Another month. Again? April zoomed by so quickly that I couldn’t remember much that happened. Luckily, I take note of my expenses giving me an inkling of what I did/spent on.My expenses in Apr were as follows: Fixed expenses: $525 Variable expenses: $1,355.07 Food – $260.82 Had 5 western food this month such as Astons, Tender Chicken, Texas Chicken Treated my family to korean food @ Masizzim via my groupon voucher – not fantastic, but something special for my folks but I reckon they prefer Chinese food more :P btw, even with my $50 voucher, I had to top up...

Read More

Making small steps to protect my health

Other than sharing about my financial journey, at the end of it, what I want is to have a healthy body and mind to enjoy my fruits of labour. I’m not just financially conscious, but health conscious as well. I used to not care about what I eat since I wasn’t fat. But, I would always have bad stomachaches and cramps. Furthermore, I don’t exercise. After a few painful episodes, and after visiting the TCMs, I knew I had to do something to improve my health. One of my New Year Resolutions is to eat better. I am trying to...

Read More

To go or not to go?

I’m not actively looking for a job. So when I received a call for an interview, I was puzzled. Turns out, I applied for this position months ago. I’m in my first job and feels comfortable with what I have now. The first 2 years were tough. High turnover led me to covering the roles of colleagues until we got people in, trained new colleagues who are much older and “experienced” plus expensive, feeling stressed out from the deadlines and non-existent SOPs, feeling angry because of messy instructions from different bosses who sometimes can’t make up their minds, knowing...

Read More

Hospitalisation Insurance bought. What’s next?

google images I had a conversation with my friend recently on the types of insurances she bought. Coming from a low income family background, her siblings and her had to support her parents (both of whom are ill and unable to work since 40s) after they graduated from Poly. Her parents never believe in insurance (just like my parents) – why would they spend money on insurance when they have difficulties surviving? But, she strongly believes in insurance as a form of wealth protection. Since she started working at 19, she has been purchasing different types of insurances with...

Read More

My comments on NTUC Income

Previously, I talked about my upgrade of my NTUC Enhanced Incomeshield Plan from Advantage to Preferred, because I wanted to purchase the best plan possible when I’m still healthy (and could afford the not-so-hefty-yet premiums). If you purchased The Sunday Times (3 Apr edition), you can take a look at the article on the comparisons of the various IPs from the major insurance companies. A good read to tell you that it is best to purchase “as-charged” plans. Anyway, the cause of this post is to complain. I went down to the Income branch on 3 Mar for my...

Read More

Budget Tracking: Mar 2016

Time flies. It’s April tomorrow. I’ve been getting a little lazy with my budget tracking. Used to key in my purchases immediately into my phone but am now more laid back by keying in only at the end of the day or days later. Thinking back about what was most memorable in March were the following: Exercised on 27 Mar by hiking at Mount Faber BUT not only did I not sign-up for the 2x bonus points for my steps tracker, my tracker died on me during 3/4 of my trek! Hopes to continue such long walks with my partner...

Read More

Take charge of your health

In my previous post, I explained why there is a need to buy the best hospitalisation plan. Note: that is if you can afford the premiums. Purchasing a hospitalisation plan is to protect your wealth from hefty medical charges but the key is to protect your health. [embedded content] I’m always heartened to see the Government spending all efforts to encourage citizens to eat well, exercise, retire well etc. I came across the Screen for Life website, which is really wonderful in guiding you the type of health screenings and immunisation you need to take at your age. Have...

Read More

Should I plan for my retirement now?

Most of us think that saving for our retirement can wait. For the young ones (like me :P), we’re busy saving up for our upcoming BTOs, wedding, children etc. With these impending life stages, should I plan for my retirement now? At age 25? To help me answer my question, I’ll be using the DBS Retirement Planner which I chanced upon when doing ibanking and answer the following questions: When would I want to retire?  – Honestly, IDK. The thought of working for another 40 years, till 65, make me quiver. Yet, the reality is that, without income, my family and I...

Read More

Here’s a reason why you should buy the best hospitalisation plan

You must be thinking why a lady in her 20s is telling you this. Simply because, this young lady has just received her medical report and there are some issues that need medical advice. Your Health is Your Most Important Asset. It’s not too late when you’re healthy. I purchased the NTUC Enhanced Incomeshield plan since I started working. I knew I needed some wealth protection because I’ve always been a weak kid. I also happened to know that my parents did not purchase any insurance plans for us because “Daddy has no money for those”. Honestly, I was...

Read More

Like us on Facebook

Follow us on Twitter