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Achieving $300k cash before the clock hits 30

When I first started blogging (cue the first blog post), I set myself a goal to save $100k by 28.
$100k cash, excluding CPF.
I achieved this at 25.

I even thought my $100k would drop downwards after paying for flat, reno, kids. But who would have known that my chance to get a flat would only happen at 27, and my savings grew and grew?

$200k at 28
At 28, I hit $200k cash savings. It took me 3 years to grow another $100k. 
If not for the fact that I've been topping up $14k annually to mum and my CPF RA/SA, spendings on wedding, house related stuff and frequent holidays, I would have much more cash on hand. But, that can't be real, that's not living - those money have to be spent.

If not for the fact that I've pumped $80k over the past 7 years into stocks, of which the paper value is now only at $60k+, I'd been $80k "richer". The converse could be said if I've great investment capabilities to grow $80k to $100k 🙃

Anyway...
As I edge closer to 30 ⏰, I've ano…

4-steps skincare routine at less than $55

When it comes to skincare products or toiletries, I've a few rules that I follow:
- as best as possible, items should be free from SLS and parabens
- application should be hassle-free
- and most importantly, product must be value for money

With that, I'm going to share with you my budget 4-steps skincare routine which cost you less than $55, bearing in mind some of the products could last over a year!

1. Makeup/Sunblock Remover
>Nutive Organic Virgin Coconut Oil: $18 for 444ml


In recent years, there's been a hype surrounding the many uses of coconut oil. One of which is the use of coconut oil as a makeup remover.

What attracted me to this method were 2 reasons. One, a tub of coconut oil is cheap (I found it on qoo10 which sells a tub of 444ml oil at $18), much cheaper than some commercial makeup remover. Second, it is a natural product compared to the chemicals loaded drugstore remover.

I have been using this for close to a year now, and there is still 3/4 of oil left! Awesome money saver which works it's magic. Some people may not like the oily feeling, but I was not bothered by it. In fact, I felt it cleaned better than the commercial ones I used to have, which left my face with a squeaky weird feeling.

2. Facial Cleanser
>Eversoft: $4.50 for 100ml

Next, you can't just leave your face oily like that after the makeup remover. Another facial cleansing is required to get rid of the oily feeling.

I'm not particular about the brand of facial cleanser as long as it works it's thing. My family has been using Eversoft facial cleanser for years. The product is touted as being 100% organic. I'm not going to trust that fully, but the fact that there's no SLS, parabens and no alcohol makes it to my list. Plus, it's cheap! My favourite is the avocado flavour!

3. Toner
>Thayers: $11.90 for 355ml

When it comes to toner, I always go for alcohol-free ones. A toner is supposed to balance the pH levels of your skin after cleansing. I read that alcohol in toner could irritate our skin and cause inflammation. Also, it will strip our skin of it's natural moisturiser (whatever that means). I just trust myself to get one that is alcohol-free to be safe.

In the past, I used neutrogena's alcohol-free toner but I swtiched after I found Thayers which is more value-for-money. I stumbled upon it on qoo10 and found out that other sites sell it for $20. This is the best deal I've found so far.

I've tried the rose-petal and unscented versions for over a year. As I'm using it with my family, we finish one bottle in 2-3 months. Time for me to stock up new flavours soon!

4. Moisturiser
>Laneige Sleeping Mask: $19.90 for 70ml

I've been using this product for 6 year. Even my dad loves it. This used to a must-buy when I travelled to Korea. However, when I found out that the prices online is cheaper than what I bought in Korea, I felt stupid for lugging them back home :( I remembered paying 23,000 won for a tub! That's $25-$27? A tub can last me 6 months.

Bonus Step

5. Face Mask Sheet
>Any face mask out on the market. My ideal is preferably <$1 per sheet :) Look out for deals on qoo10 or shopee

And there you have it! Pocket-friendly products that serves it's purpose. Just count on me to source for budget buys :) If you have any affordable items, do share with me in the comments below!

(PS: the above are not sponsored. I'm not famous enough to be sponsored by any of the brands. Sincerely sharing my good lobangs with all of you :))

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