*Official* General Market Chit Chat Thread

[Red_Cheesepie]

Dec already, like all go holiday alr, no volume liao

Sent from mobile using GAGT

 

[xSieghartx]

Maybe all waiting for Auntie Yellen's speech on wednesday.

 

[Franzz]

yep I meant those who only spend $250-$300 on food per month probably only drinks plain water for meals most of the time or drink free pantry coffee

Yes you are right! I carry water bottle in my bag all the time. Top up from water dispenser when empty. Occasionally, make myself hot milo from pantry. Generally I don't buy drinks outside. I realise can really save a lot.

Say I buy soya bean for breakfast at $0.80, bottled 100 plus at $2 for lunch, canned Coke for dinner at $1.50. That's already $4.30 per day, times 20 working days, that's $86 per month, $1032 per year! Can hoot 3 lots of ES3 liao

(I have a reputation of being a kiam siap among my gf clique, but who cares)

 

[StragenKreuss]

Life must be tough for you. Let's fight for financial freedom!

Good thing I don't intend to get married. Born ugly, short and poor is already a bad combination. Don't even have a family to back me up some more. Imagine the female side family and relatives talking behind my back.

 

[Perisher]

Good thing I don't intend to get married. Born ugly, short and poor is already a bad combination. Don't even have a family to back me up some more. Imagine the female side family and relatives talking behind my back.

eh... Being healthy is 1 of the richest thing liao...

 

[ValueInvestor]

1) family
2) health
3) wealth

 

[ValueInvestor]

yep I meant those who only spend $250-$300 on food per month probably only drinks plain water for meals most of the time or drink free pantry coffee

i buy a lot of mineral water to drink

dasani 1.5L at 70 cents, one bottle per day LOL

 

[klavier]

This forum has very high standards. I dare not think what I spend....

Hahaha 1k seems to be the magic number here.
Unfortunately my 1k spending is not inclusive of parents allowance, tax and insurance, and the (occasional) holiday.

Just pure living expense for myself, food, transport, utilities.
Guess I am the spendthrift in SSI.

Well to be fair, it seems many of them here are still singles so cannot use the same yardstick.. Ultimately, singles (though increasing in percentage) are still the minority group in sg and other countries..

I can only say my expense for my parents/in-laws/wife allowance alone is alot more than 1k per month since my wife doesnt work. Just have to motivate yourself to earn more..

 

[invisible.hippo]

eh... Being healthy is 1 of the richest thing liao...

i dk sia, i feel healthy but so what... my life in a mess......

 

[Average]

Yes you are right! I carry water bottle in my bag all the time. Top up from water dispenser when empty. Occasionally, make myself hot milo from pantry. Generally I don't buy drinks outside. I realise can really save a lot.

Say I buy soya bean for breakfast at $0.80, bottled 100 plus at $2 for lunch, canned Coke for dinner at $1.50. That's already $4.30 per day, times 20 working days, that's $86 per month, $1032 per year! Can hoot 3 lots of ES3 liao

(I have a reputation of being a kiam siap among my gf clique, but who cares)

Same. Not like i die die craving for the canned drinks too. No gf though.

Sent from your gal next door using GAGT

 

[OngHuatHuat]

Moi monthly expenses:
1. Singapore home loan: 3 k sgd
2. Malaysia home loan: around 3.3 k sgd
3. Parents medical insurance: 150 sgd
4. Utilities: 100 sgd
5. Phone bill(me and my wife + family broadband, mio tv, land line) : around 230 sgd(wife sometimes exceed data plan)
6. Own insurance: sgd 800 per month( include endowment, life, accident, medical)
7. Property tax: 65 sgd per month
8. Income tax: around 800 per month
9. Normal expenses(includes weekly restaurant + supermarket) : around 1200 - 1500 sgd per month
10. Transport concession pass: 120 sgd

After moi got gf(moi together with this gf for 10 years, this year becomes moi wife), yearly overseas trip costs around 3-4 k per year.

The day of financial freedom is far for me.

Moi got no car.

 

[winorlose]

Moi monthly expenses:
1. Singapore home loan: 3 k sgd
2. Malaysia home loan: around 3.3 k sgd
3. Parents medical insurance: 150 sgd
4. Utilities: 100 sgd
5. Phone bill(me and my wife + family broadband, mio tv, land line) : around 230 sgd(wife sometimes exceed data plan)
6. Own insurance: sgd 800 per month( include endowment, life, accident, medical)
7. Property tax: 65 sgd per month
8. Income tax: around 800 per month
9. Normal expenses(includes weekly restaurant + supermarket) : around 1200 - 1500 sgd per month
10. Transport concession pass: 120 sgd

After moi got gf(moi together with this gf for 10 years, this year becomes moi wife), yearly overseas trip costs around 3-4 k per year.

The day of financial freedom is far for me.

Moi got no car.

confirm u underinsured... haha unless u buy alot of term..

buy so many properties somemore dont want to insure yourself more..

gg max for your family if u ki chia

ok what, your annual income around 150k leh

jin satki

 

[xSieghartx]

Moi monthly expenses:
1. Singapore home loan: 3 k sgd
2. Malaysia home loan: around 3.3 k sgd
3. Parents medical insurance: 150 sgd
4. Utilities: 100 sgd
5. Phone bill(me and my wife + family broadband, mio tv, land line) : around 230 sgd(wife sometimes exceed data plan)
6. Own insurance: sgd 800 per month( include endowment, life, accident, medical)
7. Property tax: 65 sgd per month
8. Income tax: around 800 per month
9. Normal expenses(includes weekly restaurant + supermarket) : around 1200 - 1500 sgd per month
10. Transport concession pass: 120 sgd

After moi got gf(moi together with this gf for 10 years, this year becomes moi wife), yearly overseas trip costs around 3-4 k per year.

The day of financial freedom is far for me.

Moi got no car.

Wa your obligations very scary, are you the sole breadwinner of the family? Does your rental income cover your mortgage loan payments?

 

[Shion]

I am only waiting for the day I strike TOTO

 

[NewInvestor]

Looks like yyhwin is more similar to my expenses. Haha....suffer la....together.

 

[NewInvestor]

I am only waiting for the day I strike TOTO

Pls dont forget us WHEN you do.

 

[econsmagic]

confirm forever alone leh, no girl want me LOL

must see your life style...

I am nerd, always at home watch show play games see market pcw one... dont spend much $$$

Same as u bro! I almost never go out for entertainment like movies... lazy

Sent from SG using GAGT

 

[Shion]

Pls dont forget us WHEN you do.

Buffet, my treat.

 

[Asphodeli]

i buy a lot of mineral water to drink

dasani 1.5L at 70 cents, one bottle per day LOL

??? You don't boil water at home? Or the bottle is for going out use one?

 

[OngHuatHuat]

confirm u underinsured... haha unless u buy alot of term..

buy so many properties somemore dont want to insure yourself more..

gg max for your family if u ki chia

ok what, your annual income around 150k leh

jin satki

Moi bank loan all tag with mortgage insurance, but not that demanding.
like SG mortgage insurance(covers 920K sgd), only around 7xx per year, which is around 60 plus per month.

Malaysia d, also tag with Ringgit 1 million insurance(similar to life), one month around 450 ringgit(which is 150 sgd), another house with MRTA(similar to term insurance)800 plus K, one month quite cheap(i forget how much, but definitely much cheaper than life insurance), left one house uncovered. The life one won't decrease in value, so eventually can use that life 1 million insurance to cover another property loan.

My sg life insurance only 100K, then endowment around 18K coverage only.