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…
As most of our readers would know, we just move to our new place about a month ago and we are still trying to settle down in this new estate. We are exploring our new neighborhood and discovered that there are some very nice scenic park connectors just in front of our door steps (not literally…
The hot question that a lot of people might be asking themselves is “How much money do you need to retire?” or “What is the magic number to retirement?”. Basically, it just refers to “How much money you need to not have to work again for the rest of your life“. A lot of financial…
Committing to stupendous long term mortgage is becoming a norm in Singapore. From the outset, Singapore has one of the highest rates of home ownership in the world so it is not exactly surprising that a higher proportion of young and married couples are slapped with mortgage loans. For many of us, mortgage is probably…
Minimalism is not all just about having less, its about having more. Personally for me, it’s having more time to do things that matters to me. One of the first things that comes to my mind is how do I add value to other people’s life. Starting this blog with Kate to share our experience…