$450 / 19.7% Credit Card Cashback Lobang Guide

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Serious or not? How to save $450 on credit card spending? Spend $26,666 on AMEX cashback and get 1.5% back, is it? Not quite. Well, here's what you need to do it: 1. Have a minimum income of 30k 2. POSB Everyday Mastercard (min income 30k) 3. SCB Manhatten Mastercard (min income 30k) 4. CIMB Visa Signature (min income 30k) ** All promos listed are valid until 31 March 2017 only, … [Read more...]

Cory Diary : Value Spending

Since young there is not much money to spend. Will always use up my allowance on titbits, pencils, rubbers, meals etc. Looking back, there is not much to save anyway and spending what given is a kind of natural thing to do. In my mindset allowance given is for me to spend and my parents are really good at it on how much I really need on food, bus fair and some extras. So I could say in my … [Read more...]

Mt Alvernia – Mother&Child Guidebook review

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I was pleasantly surprised to be invited to review on this guidebook (Click to read) because I have only started the #Familytalk series this year. I truly enjoyed my stay in Mt Alvernia but that is not why I agreed to do this review. The chief motivating factor is because this guide has been painstakingly compiled yet given free of charge to everyone. I can see it benefiting not just pregnant … [Read more...]

Expenses Review 2016

That time of the year when i look back at my expenses in 2016... and see how much better or worst did i fare financially... I really only started tracking my expenses in 2015 when i got YNAB, and my first year expenses were recorded in 2015 expenses review. It was pretty interesting to see where my money went to. I guess it would be even more interesting (for me that is) to see where i stack … [Read more...]

2017 (Monthly) Money Saving Challenge

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Now that a brand new year has started, this is the time where many people typically decide to improve their personal finances as part of their New Year's resolutions. One popular savings challenge that has been attempted for many years is the classic 52 week money challenge: Week 1: Save $1 Week 2: Save $2 Week 10: Save $10 Week 30: Save $30 Week 52: Save $52 By the end of the … [Read more...]

Chinese New Year 2017 Fixed Deposit Promotion

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Banks usually offer higher promotional interest rates during Chinese New Year. Standard Chartered Bank seems to be the first mover that launch its Chinese New Year 2017 Time Fixed Deposit promotion. CIMB did not offer special interest rates for fixed deposits this year. Instead, they are giving away gift sets such as abalone and it is limited to a number of placements. I shall update the … [Read more...]

My Annual Expense Report – $26,238/yr and its link to Financial Security and Independence

I opine in the past that, you do not need to track your expense or you do not need to budget if you have a good handle of your money. However, not knowing how you spend your money, likely make you unaware of a key data that will make you realize you are closer to being financially secure or independent. I been doing this budgeting and tracking for the past 12 years, so this is a glimpse of … [Read more...]

Grabbing Hold Of The Winds Of Change

Hey, what happened to my annual review and/or new year resolutions post? Nah, I believe that change can happen whenever we want as long as our will is strong. I made Christmas resolutions haha! Which includes the usual – eat better, sleep better, and exercise better. Wear less contact lens. And unsubscribe to useless emails. Along the way, mr-stingy and Heartland Boy were kind enough to think … [Read more...]

My First Talk On 12 Jan 2017: Do Show Your Support!

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It’s only been a few days into 2017 and I am sure you have made some new year resolutions with regards to Money and Love. If you’re single, are you hoping to get hitched in 2017? And how do you know he/she might be the right one? Or if you’re happily attached, perhaps your goal is to tie the knot? What are some common potential money pitfalls you wish you could avoid before getting … [Read more...]

Our First Budget In Years: $42,000 in 2017

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I am being perfectly honest when I say that the 15HWW household has not had a budget in years. For the past few years, we spent whenever we felt the need to and would never put off a purchase just because we “busted” some imaginary budget. But just to make us more alert of our spending and brush up on our frugality skills, I have actually decided to impose a $42,000 budget for 2017. Why … [Read more...]

2016 annual expenses of S$120,000

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The week and the year 2016 is coming to an end with one more day of work before I get to enjoy another long weekend. Looking forward to a nice Japanese dinner with good friends tmr on NYE before counting down to the new year 2017 at their place! I might have another post about 2016 in review but it's been a tough year on many fronts for my wife and I. We had great times with each other, our … [Read more...]

Christmas Gifts And Exchanges: A Love-Hate Relationship

I have just finished a series of Christmas gifts and exchanges again and here are my thoughts on two separate events. Friends Christmas Gift Exchange What I Love About It It is a great excuse for us to meet up. My wife and I are JC classmates and we have a rather tight clique of about 7-10 that have kept in close contact over the years. But as we grow older, everyone becomes “busier” … [Read more...]

How $60,000 is gone before 2017…

I was evaluating my expenses to be for 2017. Unlike previous years, where I have no mortgage to pay for, there is mortgage for 2017, and other additional. Hence, 2017 seems likely to be a year of high expenses. Except for the home that we bought, my partner and I have totally separate finances, so his expenses are not included here. It's astonishing that even before 2017 starts, almost … [Read more...]

Frugality, Time, And Money??? (2)

Depending on which finance and investment bloggers you ask? Uncle8888 has recently tobang this brand new Audi Q5 home a few times. Why buy a new Audi Q5 when Audi's owner is going to retire soon on official retirement age? Not frugal? Not financially savvy? Actually; he wanted to buy a cheaper one; but his wife told him to get the Audi. She told him off. Do you want to bring your money … [Read more...]

ShopBack: Save with Coupons, CashBack and more!

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While I was googling for alternatives to reduce my expenses, I realised that apart from reducing takeout and preparing my own meals, there was an on-going trend of online retailers dealing in all kinds of products. They vary from groceries to mass e-retailer Amazon. With the introduction of these e-retailers, consumers now enjoy an additional option when it comes to shopping! The fierce … [Read more...]

A Christmas Gift From POSB

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Despite the long queues at POSB ATMs, I will always have a soft spot for this heartlanders’ bank. At least for the first 20 years of my life, this was the only bank I transacted with and it was there when I saved my first $1, $10, $100 and then $1,000. Therefore, I am not surprised by my favourable review in the past and even right now, it continues to benefit me even when I have long … [Read more...]

If You were to Renovate your Home again, how Differently will you do it this time?

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One of the early pain points back in 2000 shaped the way I looked at what are things that I value and do not value nowadays. Back then, my parents bought a new flat and like all for flats they don’t come with much so you need to do the work. My dad was especially looking forward, since for people their generation, big homes equate to wealth or you have made it. Being a contractor, he … [Read more...]

Asia Honeymoon Itinerary – Japan / Korea / Taiwan

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TAIWAN HONEYMOON ITINERARY If you're looking for a cheap but romantic destination in Asia, Taiwan is one of my favouritie countries to visit. I highly recommend visiting, and it is a place that I always find myself coming back to! Go during January - March if you're a fan of the cold, so you can snuggle up with your other half while being bundled in pretty coats. It isn't too chilly either … [Read more...]

Why I Close My Citibank Step Up Interest Account

Today, I went to Citibank branch at Church Street to close my Citibank step up interest account and withdraw the balance. First, I filled up the account closure form at the customer service counter. Apparently or coincidentally, there was a queue of people closing their step up interest account as well. Second, take a queue number. When it is your turn, the bank teller will tell you she … [Read more...]

Why cutting back gets really stupid, fast and what u should do instead!

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There’s a problem with cutting back that people don’t want to acknowledge. Cutting back causes you to hate money and probably yourself, after a while Here’s what most people do when they are trying to save money. Action Steps! : Save $100 by running instead of going to the gym Save $200 by replacing the meaning of the words Going out” to mean walking around the block 3 times before … [Read more...]