Category: My 15 Hour Work Week

Being “Miserly” To The Mrs?

I read SMOL’s post on the difference between frugal and miserly with quite a bit of interest. Not to mention the conversation it generated with the numerous comments. He basically summed up the difference as: A frugal person loves to…

Being “Miserly” To The Mrs?

I read SMOL’s post on the difference between frugal and miserly with quite a bit of interest. Not to mention the conversation it generated with the numerous comments. He basically summed up the difference as: A frugal person loves to…

Expenses Update: August 2017

We managed to set a new low for our expenses in August, spending less than $3,150 and after including this month’s expenditure, our average monthly expenditure this year has been cut to around $4,259. Since we have switched to UOB One…

A Thoughtful Teachers’ Day Gift

Honestly, I did not expect any gifts from my students on this day. Well, to me, the irony is that any teacher that “expects” to receive something in return for their hard work probably isn’t deserving of any. Not to…

Reflections On Optimisation And Benchmarking

On Optimisation “Huh? I have to eat Cai Peng everytime because it’s the most value-for money? What’s the point of retiring early then?” “What?! Manage 10 bank accounts? You should spend your time on activities that can potentially generate more…

Portfolio Update: August 2017

The market had a mini sneeze during the past couple of weeks and the 15HWW portfolio was not spared. The portfolio rose slightly by $1k to reach $415,000 but if we took into consideration an injection of around $2k+, this…

Expenses Update: July 2017

We spent less than $3,400 in July and after including this month’s expenditure, our average monthly expenditure this year has been cut to around $4,420. Although we definitely can’t stick with $42,000, there is still a high probability that we could make…

Fixed Expenses Update: 2017

As most followers of this blog knows, we record our monthly expenses almost religiously. I have little doubt that this is the best way for us to find out how much we are spending every month. Otherwise, without doing this, when would we…

Debunking 7 Myths Of Bank Home Loans

Background In early 2013, when I first received the keys to my BTO flat, I had a mortgage of about $255,000. Like most first-time BTO owners, by default, I was on the HDB Concessionary Loan (HDB CL). Even in 2013,…