tag:blogger.com,1999:blog-37872616.post817690922025143912..comments2024-03-28T18:20:20.744+08:00Comments on BULLy the BEAR: Where did all my savings go?la papillionhttp://www.blogger.com/profile/01372278083694506953noreply@blogger.comBlogger13125tag:blogger.com,1999:blog-37872616.post-29694653740167155792016-12-08T22:51:45.588+08:002016-12-08T22:51:45.588+08:00I'm totally with you on FF mindset.
Also have ...I'm totally with you on FF mindset.<br />Also have to keep reminding self that "Money is just a tool, not the goals"<br />simplefolknoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-75594357469552091642016-12-08T22:17:01.224+08:002016-12-08T22:17:01.224+08:00Hi Simplefolk,
Haha, at least I tried :) Ya, I ge...Hi Simplefolk,<br /><br />Haha, at least I tried :) Ya, I get what you mean. I had customised my excel year after year until I changed to YNAB. No software can be as customised for your needs as excel, esp if you know what exactly you need :)<br /><br />Haha, must have FF mindset first - meaning not letting money affect your life! Usually it means not having enuff money, but it is also about having too much money. The ideal is an exact, efficient spending such that you have no regrets of buying too much or lack of it.la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-86946820564306022992016-12-08T22:01:42.542+08:002016-12-08T22:01:42.542+08:00Thanks for recommending ynab, I have a quick look ...Thanks for recommending ynab, I have a quick look but think my customized excel still more suitable for me :D <br /><br />My excel worksheet have expand over the years and have become quite useful. From those early days with only transaction sheets, now I have added month by month cash flow of various categories. Summary / Budget sheet to check if I'm under or over spending. Draw down table to know how far I can go with current assets & ROI<br /><br />Agree, simplifying lifestyle is towards financial freedom. But after attaining FF, I feel must re-adjust mindset & learn how to spend wisely. <br /><br />simplefolknoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-10505301341356695482016-12-08T12:54:09.212+08:002016-12-08T12:54:09.212+08:00Hi simplefolk,
Haha, my thinking is that since it...Hi simplefolk,<br /><br />Haha, my thinking is that since it's so painful, might as well use it to learn something out of it, at least we won't repeat it again! Just like trading, we can either make money, or we learn a lesson :)<br /><br />Can I convince you to change to ynab (Why you need a budget)? It's fantastic for me, and I like the interface that synced my mobile phone to desktop. <br /><br />I agree with you that simplifying lifestyle is the single most important part towards financial freedom. Firstly, you'll save more as you cut your expenses. Secondly, you don't need as much for future needs. Wah, offense and defense at the same time lol!la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-38201500547452723142016-12-08T01:35:50.937+08:002016-12-08T01:35:50.937+08:00WOW good work tracking your money flow!
I already...WOW good work tracking your money flow!<br /><br />I already (opt to) forgot about my past, just too uncomfortable to reflect<br />Lesson learned so just move on :(<br /><br />So for now just focus on present & how much more to comfortably get out of the rat race<br /><br />Tracking expenses really helped for me. Me still using good old excel that I gradually build thru the years<br /><br />The other that help me is probably simplifying my lifestyle. Partly influenced by minimalists bloggers.<br /><br />simplefolknoreply@blogger.comtag:blogger.com,1999:blog-37872616.post-24350909650388813982016-12-07T10:33:11.536+08:002016-12-07T10:33:11.536+08:00Hi SMOL,
I like the way you describe the needle d...Hi SMOL,<br /><br />I like the way you describe the needle dialing of old radio :)<br /><br />It's true isn't it? The best teachers are your worst enemies :)la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-8312083609413468862016-12-07T10:21:48.952+08:002016-12-07T10:21:48.952+08:00Hi Sanye,
Thanks man, I also lose out to those yo...Hi Sanye,<br /><br />Thanks man, I also lose out to those younger bloggers who already have xyz amt when I'm still twiddling my thumb and not even thinking about money! Still, we all work out fine isn't it? That's good to know hahala papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-41532760609187245352016-12-07T10:20:31.750+08:002016-12-07T10:20:31.750+08:00Hi bro8888,
Don't like that. You come down mo...Hi bro8888,<br /><br />Don't like that. You come down mountain already, I should say 'wah!' to you instead!la papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-88476139150440897282016-12-07T10:16:14.640+08:002016-12-07T10:16:14.640+08:00Hi sweet retirement,
I think it's still alrig...Hi sweet retirement,<br /><br />I think it's still alright for me. But recently there's a shot up in car park prices. Food inflation is still alright. I think everyone also wants higher salary, so inflation is unavoidable. But how come our own salary didn't rise up too high? lolla papillionhttps://www.blogger.com/profile/01372278083694506953noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-89774829939999496302016-12-07T09:17:01.507+08:002016-12-07T09:17:01.507+08:00LP,
A bit like tuning to the radio...
Turn the k...LP,<br /><br />A bit like tuning to the radio...<br /><br />Turn the knob left, then to the right, and slightly back to the left. <br /><br />Ah!<br /><br />Optimum or sweet spot :)<br /><br /><br />I like your reflection regarding that crazy whole life policy of yours. Sometimes the best thing that ever happen to us is getting a lemon ;)<br /> <br />Now you know how to make lemonade!Singapore Man of Leisurehttps://www.blogger.com/profile/13774067113884418001noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-87134651671455683572016-12-07T09:16:19.938+08:002016-12-07T09:16:19.938+08:00Good job! I didn't have that much savings at y...Good job! I didn't have that much savings at your age. :)Sanye ◎ 三页https://www.blogger.com/profile/10864265445567780610noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-63837926140875989212016-12-07T08:44:40.842+08:002016-12-07T08:44:40.842+08:00Wah!Wah!Createwealth8888https://www.blogger.com/profile/08563834016250153049noreply@blogger.comtag:blogger.com,1999:blog-37872616.post-90018447006168589452016-12-07T08:07:44.444+08:002016-12-07T08:07:44.444+08:00It's getting harder to save up nowadays. Every...It's getting harder to save up nowadays. Everything is getting expensive especially in Singapore.My Sweet Retirementhttps://www.blogger.com/profile/10890997565289722526noreply@blogger.com