Continued from Part 1 Habit 4 – Talk about money (Even when its hard) Rachel and her husband Winston often have couple nights together and loves to talk about what they want life to be like in the future. They talked about all kinds of dreams like places to travel, owning rental properties, bringing their…
This month, we spent quite a bit on Grab credits top up where we top up $50 this week and will get to enjoy $6 discount on all rides for the whole of next week (limited to 4 redemptions per day). This promotion has been ongoing for 4 to 5 weeks and we find it very…
Last month we celebrated Mother’s Day with both families to show our appreciation for their many years of devotion and love towards us. Kate at the same time celebrated her 3rd Mother’s Day as Ally will be turning three this September. (wow time really flies!) We also did a lot of outdoor activities with Ally…
I recently went to a newly re-opened public library at Compass One mall which went through a major asset enhancement. The selections were very little on personal finance but I managed to borrowed this book “Love your life not theirs” by Rachel Cruze who is also the daughter of financial guru Dave Ramsey. She is a seasoned communicator…
This month is where we feast as we kind of allocated more funds for food indulgence after we done most of our streamlining on all our other expense categories. We also try out Deliveroo for the first time to celebrate my father’s birthday where we lunch at the comfort of our own home. We could actually eat quality…
This month we went for our family trip to Bali where we booked a very nice villa surrounded by padi fields (via Air BNB). This is a really meaningful trip as this is the first time I brought my parents and my grandma overseas (including Ally, its 4 generations together in one trip!). As my…
Kate and my birthday both falls on the same day in February (what are the odds, even though I’m slightly older). Thus, we have been celebrating our birthdays together ever since we knew each other nine years ago. This year, we celebrated our birthday with a simple Chinese restaurant lunch and a family trip to…
I chanced upon this book “The Automatic Millionaire” by Financial guru David Bach more than ten years ago in a public library near my formal home. This is the one of the first few financial books that I came across and that was also the period of time when I started to get more serious…
Kate recently published a post chronicling how we have decided to set a budget of $60,000 for our 2017 expenses. This excludes mortgage (we did not include mortgage as these are deducted from our CPF ). Expenditure levels differ with each household but we came up with this ballpark figure after roughly calculating some initial…
You have a finite number of hours on this earth. Every moment is unique and you can’t turn back the clock. Yet, seldom have we stopped to think about how much time we are spending in exchange for our salary. Some of might say, “We earn $1000 a week, working 40 hours and so I…