Recently Mr Budget received a comment from a reader (thank you! We love reading them!) commenting on the CPF scheme. Ronald shared his views that I should do a calculation on the CPF Life annuity scheme to see if it is a fair deal before committing so much into CPF, after all CPF contribution is …
Last night, I was having a chat with Mrs Budget before we go to bed. I told her that in 2020, we need to have more intentional living, otherwise, another year will pass and we will waste another year again. I think this is timely because we are still at the start of the year …
Regular followers of Mr and Mrs Budget will know that we track our expenses monthly. We have been publishing our monthly expenses since the start of this publication and if you have missed it, here’s our expenses for October, November, and December. Many might find that tracking expenses is a tedious thing to do, especially …
Continue reading The Best Personal Finance Decision Mr Budget Made In 2019 – Expenses Tracking
While browsing around the web for news, Mr Budget came across these tables that I thought would be interesting to document it here. The first compares the 2019 global market returns, ranked best to worst, with its 2018 return as a comparison. The second is global total returns for the 2010s decade. Source Some interesting …
Continue reading Thailand Returned 300% More Than Singapore In Past 10 Years And That Intrigued us
Hi all! We are probably a bit late but Happy New Year to everyone! As mentioned in the last update 2 weeks ago, Mrs Budget and I have been busy with our wedding and now that it is over, we are back with our regular publishing schedule. A few key things in the financial space …
The year is coming to a close soon and Mr and Mrs Budget will be busy attending to our year end catch ups as well as our upcoming wedding. As such, there won’t be any much articles and updates coming for the next 2 weeks. As per our annual habit, we do our annual reconciliation …
One of a mini scolding from Mrs Budget to Mr Budget recently knocked some senses into me. While preparing for our wedding, Mr Budget overspent on the booking of the bridal car. And it is by a large margin. This was done as Mr Budget did not do much research and just wanted to get …
Mr Budget came across a recent article which resonated a lot with him. Lizardo shared this in a recent article titled “angst of replacing home”: "A 17th floor condo at 1292 sq ft bought 12 years ago was $501,000, and is roughly worth $950,000 now. That sounds like so wow. BUT, to get an equivalent …
Continue reading Upgrading To A Bigger Condo Doesn’t Make Much Financial Sense
Earlier last week, after reading our post on the ideal minimum salary range and the thoughts on retirement, Syfe reached out to us to have a chat with us on our financials. We subsequently agree and met up earlier today. If you didn’t know, Syfe is a roboadvisor which adopts a hybrid model - there …
Continue reading Our Portfolio Is Probably Lacking A Roboadvisor Component – Here’s Why
One of the topic that Mr Budget holds dearly in his heart is the debate between Malaysia vs Singapore. It is natural for Malaysian or Singaporean to compare between the two countries due to its proximity as well as its shared history. For Mr Budget, Malaysia is the hometown he grew up in, and Singapore …
Continue reading The Cost Of Living In Malaysia Is Higher Than Singapore
Mr And Mrs Budget 