So one of the biggest news yesterday was the announcement of the annual bonus for civil servants. If you have not read it, basically, according to the Public Service Division, most civil servants will get a year-end bonus of 0.1 month this year, with a one-off lump sum payment of S$250 to S$1,500. Of course, …
Continue reading Civil Servant’s 0.1 Month Bonus – What It Means And What Are We Doing About It
At the end of every month, Mrs Budget and I will reconcile our monthly expenses and see what are we spending on, and where we can optimise or cut down our expenses. We subscribe to the believe that every penny saved is a penny earned – sometimes its easier to save S$100, than to earn …
So November has came and gone now. While everyone else is doing a monthly portfolio update, we thought it is more meaningful to document what we have done this month towards our financial goals. Mr BudgetPosition Added: Lendlease, Ascendas REIT, Powermatic, SE, PDD Take Profit: Frasers Logistics Trust, Asian Pay TV Trust Mrs BudgetPosition Added: N/A Take …
Continue reading What Have We Done This Month Towards Our Financial Goals – November 2019
Earlier today, Mr Budget was having a lunch catch up with a friend. Obviously we spoke about marriage and the topic of money came up in our discussion. While we went talking, I can’t help but sense that she is worried generally about her financial situation. As she approached 30 years old, she has not …
Earlier this month, while Mr Budget routinely checks his credit card transaction, he realised that Standard Chartered has charged him the annual fee for the usage of the Standard Chartered Unlimited Cashback card. The total amount charged was S$192.60. If you do the math, you will realize that the amount is actually quite a huge …
Continue reading Why You Should Never Pay For Credit Card Annual Fees
Over the weekend, Mrs Budget and I went to Orchard Road to shop for a new shirt for me, for an upcoming dinner in my hometown. Mrs Budget complained that it is very hard to choose a gift for me seeing that my birthday is coming, so she paid for the shirt. On a separate …
Recently, Mrs Budget and I have been talking about our future kids. That’s because people around us are either married with kids or are actively making plans to have their kids soon. Of course, for Mrs Budget and myself, we are thinking of trying to conceive only 1 or 2 years down the road, or …
Continue reading We Need To Save Up S$46,000 Before Having Our Baby! That’s A Bit Too Much.
Earlier today, I was checking on the total amount of dividend I received over the past 12 months. Upon a simple calculation, I have received a total of S$2000+ in the past 12 months, on a cost of S$43000 if I exclude the purchases over the past 3 months. That translate to a 4.5% portfolio …
Remember the company that was introduced by the WeChat scammer? Basically, the stock analyst who added Mr Budget “accidentally”, suggested that Mr Budget should trust her and to buy HK 3313, a stock that will see a 10-20% short term gain. Also Read: I Was A Target Of An WeChat Investment Scam, But Made Some …
Continue reading I Almost Bought This Stock Which Just Plunged 98% In One Day!
With 2019 coming to a close in less than 6 weeks time, it is time to take stock on our financials. This is probably one of the most favourite time of the year for the both of us, as with everyone else. End of the year usually means less hectic days, holidays to look forward …
Continue reading 7 Things To Check On Our Financial Check List Before The Year 2019 Ends
Mr And Mrs Budget 