Author: Early Retirement SG

Scarcity Mindset, Financial Security, etc… (Part 2)

Here is part 1 So I wrote previously about how my “work” is similar to normal work. And even though I have enough, I keep trying to get more so that I have excess and have more “security”. And so, I’d like to build upon what happened to me recently. So I managed to find a place where I can get quite good stuff… meat, prepacked food, cheeses, yogurts, etc. WOW… so much better than the fresh fruits and vegetables that I’ve been eating. For almost 2 months, I have been eating 90% fruits and vegetables. Which is really...

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Taking Care of Mental Health

I got a comment by “temperament” on my last post. I think it’s a worthy question which deserves a post on it’s own. Cos I have a number of friends who are struggling with mental issues, or have overcome it. I’ve never really had much mental issues. I think also due to my attitude in life. For me, I feel the problem and answer is very simple. Many people have desires, wants, aspirations, feelings, loneliness, security, recognition, etc etc. It’s part of life. People strive hard to attain these, but when they go unfulfilled, people get stressed and it...

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Lifestyle Inflation

I think a lot of people are familiar with this… Pretty everyone want’s to upgrade… or at least remain the same. That’s pretty much what life is about right? If you have a 4 room HDB, you probably want to move to a condo, or at least remain the same in the 4 room HDB. Most people won’t want to move to a 3 room HDB. If you eat rice and some meat and vegetables today, you would probably want something similar tomorrow or better. You probably won’t want to just eat plain rice. And ever since young… we...

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Am ERSG an Environmentalist?

I’ve been talking about climate change and carbon footprint and consumerism and such… ​So the question is… Is ERSG an environmentalist? Someone who really cares about climate change? Carbon footprint? Etc? I think for me, the real answer isn’t so simple as a yes or no… In truth, I don’t think so much about climate change or carbon footprint. I think about this from 2 points of view. 1) Saving money. 2) Wastage of resources. But somehow it results in a situation where it appears or sounds that I am very interested in climate change. The actual end goal...

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Scarcity Mindset, Financial Security, etc…

I’ve been getting free food in Paris… I think I’ve written about it before. Sometimes I get more, sometimes I get less within a 1 hour period. I don’t go and collect food for the whole day. After I get food, I clean it up, cook, preserve, freeze, etc… Then I realized… how “similar” my life is to everyone else…You see, when I was working, or when most people work, they are somewhat financially insecure. People work for more years, save more, cos… they don’t know how much they need in the future. They keep on working and saving more....

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Expense Update July 2019 (Paris)

Okay this is my first full month in Paris. Expense has risen mainly cos we have been taking trips out of central Paris to go see some sights. Food expense has dropped. €57.80 Basically, we ate out a lot less and bought less groceries. Toiletries is at €19.79.  Which is no real difference from our first month. Basically, topping up our shampoo and washing liquids. Transport €27.05. Transport expense is pretty tricky to determine, cos it’s like a top-up card. So I topped up my card to use my UOB credit card to clock more of my S$500 spend....

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Is Value ALWAYS Valuable?

This is a strange idea… Most of us like discounts. Especially for things that we use. Like if we buy 2 chicken for the price of 1. That’s a good deal right? We can eat one chicken today and eat another chicken tomorrow. But… is this always true? ​When I was fixing my laptop… I was offered this deal. 1 TB Hard disk + repair = $120 500 GB + repair = $110 Just for $10 more, I could get 500GB more of storage space in my laptop… But yet I chose to only spend $110… Cos… even though...

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Doing more with less

Doing more with less, or rather, making the best of what you have. I didn’t realize this, or rather, I didn’t think much about it. The thing about freegan living is that… well, I don’t get exactly what I want, and I don’t get spices and a lot of other condiments and stuff. So yes, I do have so buy some. I try not to buy too much variety cos most of the time, people buy different types of condiments but end up not using them. They use it for one recipe then they keep it in the cupboard...

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Paris Expense Update 14 – 30 June 2019

Okay! I’ve started tracking expenses again cos I’m in Paris and it’s going to be interesting to see how much I spend when I’m here. Note that this month’s expenses will be quite messed up cos I’ve been here for only half a month but some of the expenses here are also from my fixed expenses in SG. I’ve stopped tracking my SG discretionary expenses so I don’t have those numbers. So the expenses this month will be just a feel/estimate of what my expenses will be like the next few months.  So let’s just look at the Paris expense for this...

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What Credit Card Should I Use?

Ok so Dexter, one of the co-founders of Whatcard.sg ed me and just highlighted that he and his pals have a page which he hoped that I could share… So I was like… $$$… maybe I could make a couple of bucks out of this. Like should I ask for some endorsement… you know… free meal… whatever… Then I flipped thru the site and I was thinking… hmmm… what if we aren’t able to come to a conclusion, like what if he’s just asking for a favour and he’s not thinking about sponsoring… So I thought to myself… would...

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Going to the More Expensive Supermarket to Save Money

I go to the supermarket once in awhile to buy stuff that I can’t really get for free.Like salt, some butter, pasta, detergent, etc… There is a big supermarket 3 train stations away from where I stay. Here, things are cheaper. It’s a big 2 storey supermarket. Something like Giant at tampines. Then there’s another supermarket, which is considered the more atas supermarket chain in Paris. Probably something like Cold Storage. Selling some things which are better quality and some things which are the same but at a more expensive price… I’ve bought stuff at both the supermarkets.After some...

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Card rebates and discounts?

Recently on my Citibank Cashback card, they removed the Citi Dollar scheme. I didn’t know about it. We hardly use the card, but somehow there was $14 on my wife’s card and I don’t know how much was on my card. The values expired worthless. Cos we didn’t know about the end of the scheme and I don’t check my credit card bill so I wasn’t up to date with the information. Since I don’t use this card often, I just pay off whatever I charge via AXS immediately after I charge. So I don’t need to check the...

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The Big Short revisited

I watched the film The Big Short again cos it was showing in the hotel room. I wrote about it before https://earlyretirementsg.weebly.com/blog/the-big-short And I felt all depressed all over again. And I wonder why I get depressed… So I thought more about it. And I came down to a couple of points. It’s a complicated network of issues and a lack of responsibility of a lot of people. And it boils down to capitalism and specialization of skills and knowledge, and a lot of conflicts of interest in between. Most normal people just want to live their lives. So...

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Not Enough Time? Just Buy It!

We hear it so often right? People say they don’t have enough time. And most people say they can’t buy time. But the thing is… most of us are already “buying” time. Don’t believe me right? You see, whenever you are buying convenience, you are by right, buying time. Lazy to cook? Too troublesome? Too messy? Buy dinner from downstairs? That’s buying time. Cos when I prepare my meals, I take an hour or so another 30 minutes of cooking. But if you buy food, it’s a snap of your fingers and dinner is ready. If you hire...

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28 Feb 2019 Expense update & 12 Month Expense update

Ok, I’m not really going to talk much about 28 Feb 2019 Expenses. I end up saying usually the same thing. Food expenses seemed to be quite high last month. $361.28 I think we were getting a bit sloppy and just decided to go out to eat more than normal. Bought a Taiwan flight for April 2019. $522 Wife bought some lunches for her staff in Feb cos it was Chinese New Year so gift expenses was quite high as well. $151 ​ What’s more interesting is the below table where I tabulated my expenses for the past 12...

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