Simple Budget, Simple Life

Good lobang must share! Ever since I discovered Chope, my partner and I have been using it as a fuss free way to make reservations at restaurants - no more waiting for the restaurants to pick up my calls! Not only is it more convenient for me to book a seat at popular restaurants, with every reservation, I could earn 100 chope dollars ! And the first 400 chope dollars allow me to redeem for a $10 voucher to offset my bill at a wide list of restaurants such as 49 seats, Standing Sushi Bar, Yum Cha and more (just listing my frequent dining places hoho) If you are new to Chope,  sign up with this link  to get 300 Chope dollars on your  first reservation and I'll get 300 too! With just one more reservation at 100 chope dollars, you'll be able to redeem a $10 voucher, or you can choose to accumulate for more! The good thing doesn't end here. Other than using it to make reservations, we have also been purchasing Chope vouchers to dine...

I was scrolling through FB recently when I saw an ad that attracted my attention. Reminded me of the FWD 2.02% plan one year ago - which I applied for. Now Singlife is offering a 3% GUARANTEED plan which last till 30 Nov, at up to $6k: This Single Premium Endowment product’s availability is based on a first-come-first-served basis and is only available for purchase while the acceptance tranche is still open. Singapore Life reserves the right to decline any application that does not fulfil the requirement of a complete application without prior notice, including the invalidity of payment received. (1) The guaranteed maturity yield is 2.20% p.a. and 2.50% p.a. for 3-year-term and 5-year-term respectively. The 5-year-term is only available through our financial adviser partners. During the period between 26 Nov and 30 November 2018, there is a special campaign that gives 3% p.a. guaranteed maturity yield for the 3-year-term and this offer is strictly applicable for one poli...

Ever since I started my new work, I've been in a daze. I've stopped tracking my budget daily. And I even forgot to pay my credit card bills resulting in late charges and interest fees! I was on the verge of tears when I saw late charges of $160 on my two credit cards. I've no idea what's wrong with me for lacking the discipline to do all these. What happened to the diligent me tracking every single purchase and tallying it with my credit card bills? Why do I feel drained after work although this job is less tedious than my previous one where I've been loaded with too much responsibilities that I lose sleep and had acne outbreaks? However, I realised this is just the start. I've seen 3 resignations in my team within 1.5 months here, and I've been asked if I'm ready to take on some of their portfolios. I'm thinking if it is worth taking on more at the same pay, and then stressing myself all up again? What exactly should I do? Also, I re...

I've officially severed ties with my BOC Smartsaver account, after a good 2 years . With the disappointing revision to the BOC Family card , which used to be the BEST credit card I had, it just wasn't worth keeping the bulk of my cash in BOC anymore. Since Aug, I've jumped ship to DBS Multiplier and left the minimum balance of $1,500 in my BOC. Today, as I passed by the BOC branch at Jurong East, I decided to just close the account. No point leaving my $1,500 there when I can transfer it to other accounts to generate more interest! As I stepped into the BOC branch, I saw restless ladies gossiping at their seats. I was the only customer, but nobody bothered to serve me. I even had to ask if I'm supposed to take a queue number, but nobody came to assist. Over at DBS, the customer service experience would be way different, in a positive way. BOC has gotta up their game in terms of their cards/accounts perks and staff attitude/customer service man. That said, it ...

For people my age, wedding bells have been ringing. A few years ago, we started out in the workforce, fresh from school, trying to earn our keeps and manoeuvre ourselves in the dogs eat dogs world. As we earned our keeps, we also knew we had to save for impending cost bombs - for house, for wedding, for kids, and for retirement. Back then, I set my goal to save $100k and I managed to hit it at age 25 . I knew time was on my side and I had keep my expenses low in order to save. I wasn't earning big bucks - I was just a normal salaried working, earning less than what my peers were earning. Likewise, when I planned for my wedding, I knew I had to keep my expenses low as well because my partner and I were paying everything out from our pockets. I was the Chief Finance Officer budgeting and making sure we clock rebates, and getting the best deals out of everything. I was also the CEO of my wedding, because I dictate most of the "to-do" and "not to do" list. ...

Hi guys. I wanted to blog only after I'm settled down at work and with my life event but I needed an outlet to complain and release my pent-up unhappiness. So, I mentioned that I've changed job. I'm still adjusting myself and enjoying my honeymoon stage since I'm new, though it's not like I'm not working la...just that in comparison to others who worked longer, my full load hasn't come in yet. I'm lying low for now given that I've my wedding to prep for. Within these few weeks here, I've some thoughts on this job and here goes: The Good Higher monthly salary than before albeit just a few hundreds more (better than staying put...) Cheaper transport than before (~$1 saving/day) Don't need to bring work home FOR NOW More capable bosses and seemingly, their Senior Management than before The Bad Not much increase in annual package given that my bonuses were more at my previous job Everyone else work like sh*t....my bosses sends ...

I used to be an advocate for BOC, given its attractive interest for their Smartsaver account and the good rebates for the BOC Family card. Until one day, BOC decided to review the Family card terms....and well, it suck. I was disappointed with the changes and has since then, stopped using the card. And with that, I've now jumped the boat to DBS Multiplier for my salary crediting. Meaning to say, BOC is no longer my main account. I still keep the Family card though, just in case BOC changes their mind again and review the terms to be more attractive. But, this morning, I was reviewing my accounts when I realised I was charged an Annual Fee and GST on the card. Gosh. That's an exorbitant $305! So I called the card centre and asked to waive it off. I knew it wasn't going to be accepted after reading some comments on how niao they are now. And yup, my waiver was rejected. Not even a partial waiver. That leaves me no choice but to cancel the card immediately.  Funny how...