Personal finance can be daunting. We can take small steps to start taking control of your personal finances and work towards achieving your goals.
It has been 12 months since I officially started posting on this website in January 2021. So what did I achieve in the first 12 months of Consume Less Life? This is the 2021 year in review for Consume Less Life. Number Of Articles Posted I posted 66 articles in 2021, averaging 1.26 articles a […]
Consume Less Life’s Year In Review – 2021 Read More »
Here are my monthly financials for December 2021. It is good to keep track and review your monthly financials so you can be in control of your finances. Having a fixed income and knowing my expenses will not exceed my budget allowed me to not track my expenses before I left my job. I did
Monthly Financials – December 2021 Read More »
I wanted to earn more yield on my savings so I decided to put money in the Singtel Dash PET as my investment warchest. Although I previously said that I wanted liquidity over yield, I decided to shift S$10,000 of my warchest from my savings account to the Dash PET account as the illiquidity risk
Dash PET – A Place To Park Your Investment Warchest Read More »
I have been attending IPT and NS FIT to clear my annual IPPT obligations ever since I ORDed. Do you know that you get paid for attending these training sessions? The Army is essentially paying you to train. We can minimally get a total of S$2,000 over 10 years and this can be multiples more
Making Money With NS FIT – Minimum S$2,000 Over 10 Years Read More »
I came across this article in The Straits Times saying that MAS is advising Singapore households on rising mortgage debt ahead of interest rate hikes. We have been enjoying relatively low-interest rates for more than 10 years and we should not assume that it will continue forever. We will take a look at how rising
Recipe For Disaster? Potential Interest Rate Hikes Plus Rising Household Debt Read More »
Have you been receiving calls from insurance agents trying to get you to use your CPF MediSave to upgrade your CareShield Life Plan? I received a call from a random agent and she started by saying that she is not trying to sell me anything. By doing that, I believe the number of people willing
CareShield Life Supplements – Questions To Ask Before Upgrading Read More »
Here are my monthly financials for November 2021. It is good to keep track and review your monthly financials so you can be in control of your finances. Having a fixed income and knowing my expenses will not exceed my budget allowed me to not track my expenses before I left my job. I did
Monthly Financials – November 2021 Read More »
Most of us will only get our first credit card when we start working due to the income requirements. A credit card gives you a line of credit that allows you to pay for items in advance and payment is only required at the end of the billing period. The merchant pays a small percentage
The Dilemma Of Using Credit Cards Read More »
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I am unable to take advantage of high-interest saving accounts that require salary crediting or high credit card spending as I am unemployed. This resulted in me looking for alternatives to park my cash for some returns. When I was still working, I parked some cash in SSBs in 2018/19 when their rates were still
Singlife Account – A Place To Park Your Investment Warchest Read More »
