How do u all save money?

[RetRace]

if u struggling I think a lot of other people can considered themselves drowned

still a long way to go to hit 6 digits. I'm one of the drowning ones

 

[shared]

Haha 1000.00 also 6 digits

 

[arctician]

if u browse edmw some ppl have innovative ways of getting discount codes for food delivery and grocery delivery services.like food panda deliveroo or honestbee

can save alot one..1 guy got ard $2k worth of food panda vouchers by preordering for bkfast lunch and dinner

 

[luvalist]

if u browse edmw some ppl have innovative ways of getting discount codes for food delivery and grocery delivery services.like food panda deliveroo or honestbee

can save alot one..1 guy got ard $2k worth of food panda vouchers by preordering for bkfast lunch and dinner

2k worth of food is alot take $40 on average per meal for 2 pax, he can eat 17 days consecutively

 

[arigatoast]

how did u get close to 200k as a student?
successful entrepreneur or parents' money?

exactly lo. i was giving tuition almost everyday while i was in uni.. and no pocket money .... go overseas holiday also my own pocket.... pay my own tuition fees..... how to hit even 100k sia...

a silver spoon really helps a lot .. hiaz...

 

[RetRace]

exactly lo. i was giving tuition almost everyday while i was in uni.. and no pocket money .... go overseas holiday also my own pocket.... pay my own tuition fees..... how to hit even 100k sia...

a silver spoon really helps a lot .. hiaz...

I was in the same situation as you.

earned my own pocket money, paid 20k+ for tuition fee from my savings etc. started out near to flat $0 when i came out to 'work'.

the one consolation is that at least I am debt free and had not relied so much on my parents since uni days

 

[shared]

exactly lo. i was giving tuition almost everyday while i was in uni.. and no pocket money .... go overseas holiday also my own pocket.... pay my own tuition fees..... how to hit even 100k sia...

a silver spoon really helps a lot .. hiaz...

Wa like that how much u have sia, no 100k also have 80k probably. Also 1990?

 

[akwl88]

I was in the same situation as you.

earned my own pocket money, paid 20k+ for tuition fee from my savings etc. started out near to flat $0 when i came out to 'work'.

the one consolation is that at least I am debt free and had not relied so much on my parents since uni days

same here lor. start work is try to save as much as possible for investment

 

[RetRace]

same here lor. start work is try to save as much as possible for investment

one more thing, you're here and among the minority who invest for retirement. i know a heck lot who know nuts, not even UT and ETF. we definitely are working towards a better retirement life.

have friends who don't even have 5 digits savings... surviving from each paycheck

cheers

 

[akwl88]

one more thing, you're here and among the minority who invest for retirement. i know a heck lot who know nuts, not even UT and ETF. we definitely are working towards a better retirement life.

have friends who don't even have 5 digits savings... surviving from each paycheck

cheers

i know right... if kenna retrenched, how? no worries one ah

 

[RetRace]

i know right... if kenna retrenched, how? no worries one ah

i won't kena pok for at least the near foreseeable future

 

[arigatoast]

Wa like that how much u have sia, no 100k also have 80k probably. Also 1990?

nope. im in my early 30s now.

i mean i dont have even 100k when i just graduate. bcos some dude say
he got 200k when he grad.

and i don have to share how much i have now =)

 

[arigatoast]

I was in the same situation as you.

earned my own pocket money, paid 20k+ for tuition fee from my savings etc. started out near to flat $0 when i came out to 'work'.

the one consolation is that at least I am debt free and had not relied so much on my parents since uni days

yea hi 5!

i paid all 4 years of my tuition fees SGD 26k approx and spend 1k+ on grad trip with frens . and balance abt 1k in my bank acc before i start working.

I do also know some frens that got a grad trip as a reward from their parents .. fully paid .. and 4 years of tuition fees fully paid.

so a silver spoon really helps !

we cant get a silver spoon ourselves, so right now we have to work to get a silver spoon for our kids..

 

[Genosis]

yea hi 5!

we cant get a silver spoon ourselves, so right now we have to work to get a silver spoon for our kids..

Your kids are blessed to have you..... jia you!

 

[arctician]

nope. im in my early 30s now.

i mean i dont have even 100k when i just graduate. bcos some dude say
he got 200k when he grad.

and i don have to share how much i have now =)

i also dont believe one can have 200k upon graduation..most likely is golden spoon

e maths just dont add up.. i made $10k from maplestory mesos..saved $20k allowance from 2.5y of army, did part time in uni and saved pocket money..in e end cant even hit 100k upon graduation

unless u r a blogshop model or social media "influencer"..then maybe 200k possible

 

[SpeedingBullet]

how did u get close to 200k as a student?
successful entrepreneur or parents' money?

Not entrep, just did tons of part time work and a lil bit of parents money as well. I had the advantage (or headstart if u will) of having no student debt when i graduate since they paid for sch. So that's probably my biggest advantage. Better not use me as yardstick man. Not many ppl are lucky enough to study in uni let alone have the tuition fees fully paid for

The 100k+ isnt pure cash leh, its also bonds and stocks. I did have some gd return 2011-2014 in the US mkt, so that propelled my portfolio forward

 

[luvalist]

Not entrep, just did tons of part time work and a lil bit of parents money as well. I had the advantage (or headstart if u will) of having no student debt when i graduate since they paid for sch. So that's probably my biggest advantage. Better not use me as yardstick man. Not many ppl are lucky enough to study in uni let alone have the tuition fees fully paid for

The 100k+ isnt pure cash leh, its also bonds and stocks. I did have some gd return 2011-2014 in the US mkt, so that propelled my portfolio forward

cool. but definitely silver spoon. Most of us has students debt upon grad. but u at least hardworking as well. Thumbs up for u.

 

[SpeedingBullet]

cool. but definitely silver spoon. Most of us has students debt upon grad. but u at least hardworking as well. Thumbs up for u.

Yup i dont disagree, silver spoon.

Eh i think it's mostly luck one. Mkts chiong 2011-now. Just riding its coattails only. Throw money blindly into S&P500 also u wldve made a crazy return. If a sharp drop (09) happens again i dont think my portfolio can weather the hit.

 

[arctician]

Yup i dont disagree, silver spoon.

Eh i think it's mostly luck one. Mkts chiong 2011-now. Just riding its coattails only. Throw money blindly into S&P500 also u wldve made a crazy return. If a sharp drop (09) happens again i dont think my portfolio can weather the hit.

really applaud u for ur achievement..i only know fixed Deposit in my early 20s

u can buy a condo soon and use rental to service e loan

by 30 u should be financially free

 

[arigatoast]

i also dont believe one can have 200k upon graduation..most likely is golden spoon

e maths just dont add up.. i made $10k from maplestory mesos..saved $20k allowance from 2.5y of army, did part time in uni and saved pocket money..in e end cant even hit 100k upon graduation

unless u r a blogshop model or social media "influencer"..then maybe 200k possible

wah 20k savings from army!
confirm is officer..