Is a Frugal Christmas Even Possible? Here’s how:

gifts
Challenge yourself and your family to spend Christmas in a different way this year.

Last year, the average American family spent $830 (S$1178.60) for Christmas gifts. This year, that figure is expected to increase despite the sluggish economy, and the spending frenzy will soon begin on Black Friday (25 Nov). As mentioned throughout this site, being frugal does not equate to being cheap, nor does it mean focusing only on the price of something. Frugality is about ROI, or Return On Investments, in which investments could be money, time, effort, or other resources. (more…)

Get Paid for Your Thoughts

Want your opinions to matter, or at least get paid for them?
(Source: YouGov SG website)

Do you have an opinion on the Trump presidency, or on our upcoming presidential elections? Do you feel strongly about a particular brand, product, service provider, or public figure? YouGov is a worldwide online survey platform that is completely legit, and I have been personally using it for almost a year. There are tons of survey sites that say they will pay you for your opinions or reviews, but beware that many of these are scams where instead of allowing you to earn money, you end up spending it (e.g., they may try to sell you something, such as a membership fee to continue taking their surveys).

There are also scam sites that collect your personal data, including bank account details, and then sell it on the online black market. YouGov is neither of these, your information is confidential, and you can choose to have your payment sent via Paypal so they won’t have direct access to your bank account details. (more…)

How Anyone Can Be A CPF Millionaire

cpf chalkboard
The easiest (and safest) way to be a millionaire.

As a Certified Financial Planner, whenever I even mention the word “investment”, people are way too eager to ask about “stocks/equities”, “bonds”, and “funds/unit trusts”, thinking that these are the best, sure-fire ways to financial security and financial freedom. But they are always surprised when I instead mentioned CPF. Although most people think CPF is a retirement tool, I’d like to think of CPF as an investment tool. What other investment is low-risk (or virtually no-risk) and has a guaranteed return of 2.5% up to 6%? What other investment is inflation-adjusted, commission-free, out of reach by creditors, and has an annuity payout that you cannot outlive? To learn more about CPF, please visit the CPF website. (more…)

The Cheapest Buffets in Singapore ($10 and Under)!

A round up of all the best-value buffets in Singapore.
A round up of all the best-value buffets in Singapore.

I’ve been asked to update the list of buffets priced at or below $10 so here it is. Since that previous post first appeared 2 years ago, some restaurants have closed, one has rebranded itself, while new ones have appeared. There are a lot of people who value quality over quantity, and probably would not find these places “acceptable”. But having grown up in poverty (I was on public assistance for school meals), I appreciate that there are still low-price choices for filling you up. The following list is in alphabetical order: (more…)

Clothing at “Daiso” Prices

doc-john-shop
Where to find clothes that cost less than the public transport fare.

I imagine that if Daiso sold clothing (other than socks, hats, and ties), it would look similar to what you’d see at Needle Boutique (aka Doc John Alteration Services). At this Lucky Plaza shop, you’ll find an assortment of t-shirts, jean shorts and skirts for $1, $2 and 3 for $10, respectively. Their prices are similar to what you’d pay at thrift shops. Needle Boutique also sells similarly priced accessories, including shoes at $5. This shop has been around since 1999, and the owner, Doc John has been a tailor for nearly 3 decades. Here are some photos and other details about the shop: (more…)