♡ Less Thinking ♡ More Living ♡
Since I took a career break in Singapore, we have officially changed from a dual-income family to a single-income family in Singapore. It is a little daunting with the sudden loss in income and we had to be more cautious with our money. We are also a lot more interested […]
Singapore Saving Bonds (SSB) is a government-backed, almost risk-free investment. It is considered a safe investment and is extremely popular amongst risk-averse investors as you can get back your investment in full with no penalty should you decide to withdraw. You can check out our guide here for more information […]
Saving money is not simple, and as we grow older, we will have more responsibilities and more expenses that make saving even harder. While income may increase over the years, spending usually will exponentially increase more than income and you observe that your saving rates decrease over the years. Usually, […]
Ever since we switched to a single-income family (career break ftw!), and our family dynamics changed with our little peanut’s birth, we have drastically shifted our salary allocation. We used to allocate a lot of our money to our fun fund meant for traveling and decompressing after a hectic year. […]
Being 30 years old is weird. You transit from a wide-eyed fresh graduate who tasted money for the first time to a seasoned adult who is constantly managing your finances while planning for retirement. In this short period, you could have faced multiple milestones such as BTO-ing your first flat, […]
Accordingly to the 2019 Graduate Employment Survey (GES) survey conducted by the Singapore polytechnics, the median monthly salary for graduates is hovering at the $2k range. If we consider CPF deduction, the take-home pay will be around $1.6k. The amount looks decent enough to adult, but how is it that the […]