Moving to a new city isn’t always easy, we have to meet new people, learn new roads and places and just adjust to a whole new environment. However, moving to a new place also helps you grow. It can be scary, but moving to a new place allows you to get out of your comfort […]

In last week’s article, I showed readers 2 different approaches to plan for how much do you need if you wish to retire at 55 years old so that you will have an income stream till 90 years old. We acknowledge that at some point, our CPF Life annuity income will be available for us to spend and thus will have to be factored into our planning. The 2 approaches were: Plan to have an […]

The takeaway:  large-cap, mid-cap, and small-cap stock funds in your nest-egg are ways to stem market losses and enhance market gains.  Just make sure that your personality matches the personality of these large-, mid-, and small-cap stocks before you buy.  $$$ Last month’s post was an affair by the numbers. We looked at 40 years worth of data and showed how we could improve our investment returns in an up-market and reduce our losses in […]

Well friends, we did it!  We smashed debt throughout 2019.  We’ve all had ups and downs, wins and fails.  In 2019, some of you made the decision to start tackling the debt that has been looming over you for years.  Some of you celebrated debt freedom during the year!  And lots of us are somewhere in the middle of the debt freedom journey. Today I’m going to share the numbers from December’s updates as well […]

When you’re trying to pay down debt and build savings at the same time, you might wonder if one should take priority over the other. We ask a CFP if it is better for your financial future to pay down debt or save first. The post Pay Off Debts or Save First? appeared first on The Dollar Stretcher.

How to Stop Being Broke Are you struggling to pay the bills or can’t afford the things you want? Being broke is not fun, and it comes with a lot of stress. There’s no sugar-coating it. So what can you do to stop being broke? In this post, we’ll outline a few steps you can take to make more money and find a path to financial freedom. Take Responsibility for Being Broke Being broke is […]

I racked up a miserable amount of credit card debt in college. Don’t get me wrong – I’m thankful I had access to credit cards so I never had to say no to fun or friends during college due to my financial situation. And, I have many great irreplaceable memories show for it. But, when I saw how much of my paycheck after college was going into the black hole of interest payments, I realized […]

It’s been about six months since I started working part-time, and because I’ve found myself reflecting on the experience over the last couple of weeks, I figured I’d share those thoughts here on the blog. (To recap, after a series of terrible jobs, I quit full-time work last April, then spent a few months recuperating before accepting my current gig at the end of July.) My Current Part-Time Job I’ve worked in higher education – online higher education, specifically […]