Welcome to our little space where we aim to pen down our journey!
Just some background on who we are and why we are doing this – as you know, there’s an explosion of content around personal finance recently.
We’ve decided to jump on this bandwagon to share our experience in all money matters and how we dealt with each situation (as they come along), and hopefully discover other like minded young couples or individuals in pursuit of a meaningful life!
Mr Budget is a 32 years old senior manager in a local SME, and has been working for 6 years. He is the main driver of this new publication as he is more obsessed with optimising his (and our!) personal finance matters. He has a personal finance excel sheet that he spends a lot of time on! As a PR in Singapore, he was not born with a silver spoon, and has to earn his own money to pay off his school loans.
Mr Budget met Mrs Budget 2 years ago, and Mr Budget immediately fell in love with Mrs Budget. As we get to know more about each other, we realized that (luckily) we are both aligned in terms of how we view money, our spending philosophy and that we should work towards early retirement.
Mrs Budget is someone who doesn’t value branded goods as much and don’t really spend a lot on shopping, or cosmetic products. For us, what is important is that we want to spend money on experiences as opposed to short material materials. 🙂
After a year plus of dating, Mr Budget proposed to Mrs Budget and we now live in a 4R condo. The downpayment is partly paid by Mrs Budget’s parent as her parent set aside some education fund for her to study overseas. As she decided to study in a local university, the education fund was then used for the downpayment of the condo. We will be sharing more about this soon!
If we do not calculate our property value and its mortgages, our respective net worth (as of October) are:
Mr Budget: S$250,000
Mrs Budget: S$245,000
Most of which are accumulated through high savings rate in the past few years.
Through this publication, we will share our experiences with regards to:
- Marriage costings
- Property purchase experiences
- Our renovation experiences
- Our joint finance matters
- Our portfolio purchases
- Our thoughts on local social issues as a young couple
- Our journey towards financial independence
Hopefully we can meet like minded young couples in Singapore too. 🙂
You can also contact us at firstname.lastname@example.org