[Non-Sex Related] How much savings do you have in your bank account?

[3someking]

I start first. I am 28 this year, single and has been cheonging for the past 3 years. Manage to save quite a bit.

Cash in bank = $37,000
CPF = $72,000

Annual Salary (inclusive of bonus) = $44,000

Qualification = Diploma Holder

What's yours? Do share please.

[Bris7]

I start first. I am 28 this year, single and has been cheonging for the past 3 years. Manage to save quite a bit.

Cash in bank = $37,000
CPF = $72,000

Annual Salary (inclusive of bonus) = $44,000

Qualification = Diploma Holder

What's yours? Do share please.

Well done kiddo.... Use the savings wisely.
When I was your age (18 years ago), I manage to save 40K over 3 years with a monthly basic of 1.4K. Had to clock a lot of OT to take home above 2K.

At 28, I took my saving and went Australia to study for a degree.

[3someking]

Well done kiddo.... Use the savings wisely.
When I was your age (18 years ago), I manage to save 40K over 3 years with a monthly basic of 1.4K. Had to clock a lot of OT to take home above 2K.

At 28, I took my saving and went Australia to study for a degree.

how much u paid for ur degree bro?

[WildestDreams]

I am 24 this year.
I have around $40,000.
Annual Salary is around $36,000 includes bonus etc.
I've been working for around 2 years.
I am not a big spender and tend to be quite thrifty, only spending on necessities etc. As you can see from my join date, I am relatively new here as well.

[chaned]

I start first. I am 28 this year, single and has been cheonging for the past 3 years. Manage to save quite a bit.

Cash in bank = $37,000
CPF = $72,000

Annual Salary (inclusive of bonus) = $44,000

Qualification = Diploma Holder

What's yours? Do share please.

whats the point of this? Ego too big? Wanted some acknowledgement? There will always be someone who can do better.

40 years old
stock worth 190k GBP
Cash 190k
flat - 980k
car - jag xe
credit card - HSBC premier card holder
monthly expenses - less than 500SGD.

[Craze4Sex]

whats the point of this? Ego too big? Wanted some acknowledgement? There will always be someone who can do better.

40 years old
stock worth 190k GBP
Cash 190k
flat - 980k
car - jag xe
credit card - HSBC premier card holder
monthly expenses - less than 500SGD.

I have zero savings!
No car No cards
Monthly expenses 2k all chionging
Crazy 4 sex!

[leetona]

Im 38 this year.
When i was 31 ,i have $150k.
When i was 35 , i have $280k in my bank acc..
Now i have nothing. Thanks to casino.

[NiaoRenn]

I'm 28

Fd + stocks + cash = 780k
Condo 1.8m with 1.1m still on loan principal
No car, just uber

[Happyguy801]

35 years old = $50k cash in bank
40 years old = $290k cash in bank
Thanks to the casino ( must have damn good will power )

[boisong2]

35 years old = $50k cash in bank
40 years old = $290k cash in bank
Thanks to the casino ( must have damn good will power )

You win money at casino ???

[Happyguy801]

You win money at casino ???

Ya .. Must have damn solid will power..

[boisong2]

Ya .. Must have damn solid will power..

You dam lucky . :) Now looking at your savings looks like you are all set for retirement . :)

[Happyguy801]

You dam lucky . :) Now looking at your savings looks like you are all set for retirement . :)

Had banned myself from the casino this year so no more gambling in Singapore.

[Hornyong]

Im 38 this year.
When i was 31 ,i have $150k.
When i was 35 , i have $280k in my bank acc..
Now i have nothing. Thanks to casino.

Bro,
almost same as you. Lost but still go. One month, can win every day, Yes, every day win.
then on 32nd day, everything loose back to casino.

:mad:

[LastApril]

Haha I saw a similar thread in Singapore salary forum. The replies there damn absurd. So many millionaires in their twenties.

sekali later this thread become like that. All big cannon :D:D

Or sex forum will have different outcome?

Lets analyze whether the medium affects the crowd psychology, or the initial participants affect?

[Bestie]

Last Friday, DBS just sent me a letter, my current balance $0.72, if fail to top up to minimum sum, they will close my account.

Open up my wallet, I left $12.......

I drove a E-class, living in a terrace house outskirts of town.

Sound weird? That's pathetic Sinkies life.:D

[Nato17]

Haha I saw a similar thread in Singapore salary forum. The replies there damn absurd. So many millionaires in their twenties.

sekali later this thread become like that. All big cannon :D:D

Or sex forum will have different outcome?

Lets analyze whether the medium affects the crowd psychology, or the initial participants affect?

I not millionaire or billionaire. I pauper. lol.

Actually the only thing that I own that is in the billions is the billions of sperm that I wish to deposit into FLs. :) Does that count?

[oracle7]

26 years old
Degree
Annual : $55000

Cash: $30000
PM(solid) : $10000
X car

Probably need to start learning how to invest instead of keeping more paper money

[kokoruru]

Monthly salary: 4K
Savings per month: 1.6k
(I try at least 50% by splitting into 2 accounts)

No car, not yet married. 31 this year working in accounting.
Lots of bro's here seem to have it so much better :/

Not much savings because I invested my money and trying to start a business now :(

[ComplainKing]

How to save ? Singapore is one of the most expensive cities in Asia . :eek:

[nachos84]

I'm 28

Fd + stocks + cash = 780k
Condo 1.8m with 1.1m still on loan principal
No car, just uber

no shit bro.. 28 with almost 1.5mil asset?? that's 780k of cash/ assets and 700k of paid up condo.. money dropped from sky or parents?

[NiaoRenn]

no shit bro.. 28 with almost 1.5mil asset?? that's 780k of cash/ assets and 700k of paid up condo.. money dropped from sky or parents?

Annual salary of 300-350k

[3someking]

Annual salary of 300-350k

whats ur job? u work as OKT? :D

[smlee]

I start first. I am 28 this year, single and has been cheonging for the past 3 years. Manage to save quite a bit.

Cash in bank = $37,000
CPF = $72,000

Annual Salary (inclusive of bonus) = $44,000

Qualification = Diploma Holder

What's yours? Do share please.

I have to say your saving is impressive given your years of working and income. Still find it hard to believe how 3 years of working can have 72k in cpf

[draven78eric]

0yrs to 18yrs no saving and house and no car too

18yrs to 40yrs many many property around Asia and many cars too...
Malaysia, Thai, Singapore, Phi, China, Korea, Indonesia, Lao and Mongolia..
Trying to invest some property in Russia and Japan and Hongkong now..
Saving still Zero..Monthly salary 3.5k...PSLE only..Lolx..
Ok boh huh? hope i not so low class lah hor...:p

[comm]

Im 38 this year.
When i was 31 ,i have $150k.
When i was 35 , i have $280k in my bank acc..
Now i have nothing. Thanks to casino.

aiyo..................................un told regrets...................

I am 24 this year.
I have around $40,000.
Annual Salary is around $36,000 includes bonus etc.
I've been working for around 2 years.
I am not a big spender and tend to be quite thrifty, only spending on necessities etc. As you can see from my join date, I am relatively new here as well.

looks like this year onward u will be saving less..........

Last Friday, DBS just sent me a letter, my current balance $0.72, if fail to top up to minimum sum, they will close my account.

Open up my wallet, I left $12.......

I drove a E-class, living in a terrace house outskirts of town.

Sound weird? That's pathetic Sinkies life.:D

DBS account no money....then ocbc all ur millions there

[Nato17]

whats ur job? u work as OKT? :D

My job is I work as OKT.

[ttocaw]

wah. all so rich. It's a matter of time before all the millionaires come out.


age 32 Married. 2 kids


Monthly salary 3.8k

cash savings 20k

stocks 50k

No car.

fully paid up hdb. 300k


Just a average low middle income family.

[brotherinlaw]

age 32 Married. 2 kids


Monthly salary 3.8k

cash savings 20k

stocks 50k

No car.

fully paid up hdb. 300k


Just a average low middle income family.

Well done!

Not sure how you can fully paid hdb at your age? With 2 kids simply not many can save up.

No car is a good plus point.

[donaldcat]

28 years old, zero savings. Spend all on girls. In return, I get to bed them.

[ironteeth]

28 years old, zero savings. Spend all on girls. In return, I get to bed them.

Mate you should try to have some savings .

[Bris7]

how much u paid for ur degree bro?

It cost 28K for 2 years. With a diploma from Singapore, we jump straight to year 3 and complete in year 4.

In total, I spend 52K (with living expense) and use my last 3K to tour the continent before returning home.

[Bris7]

Monthly salary: 4K
Savings per month: 1.6k
(I try at least 50% by splitting into 2 accounts)

No car, not yet married. 31 this year working in accounting.
Lots of bro's here seem to have it so much better :/

Not much savings because I invested my money and trying to start a business now :(

I feel you, bro... I was once like you (when single), save at least 40% of my income. But then got married (which I regret) and have my own home (HDB). This 2 events nearly wipe out my saving.

Now with a basic of 6K, allowance for parents, 1 school going kid, a car (mass market model) and monthly household expense, saving is a pathetic 10% on a good month. No idea how the country expect us to have more children.

I hope I can be healthy and work till I suddenly drop dead (at home, at work or on the street). Then no need to burden my child.

[nachos84]

Annual salary of 300-350k

wow bro... I cant imagine.. 28 year old 300-350k annual salary? amazing.. good for you man ..

[founder]

As founder sure ca near millions of air.

[nachos84]

I feel you, bro... I was once like you (when single), save at least 40% of my income. But then got married (which I regret) and have my own home (HDB). This 2 events nearly wipe out my saving.

Now with a basic of 6K, allowance for parents, 1 school going kid, a car (mass market model) and monthly household expense, saving is a pathetic 10% on a good month. No idea how the country expect us to have more children.

I hope I can be healthy and work till I suddenly drop dead (at home, at work or on the street). Then no need to burden my child.

actually I think both you and bro kokoruru did rather well. It takes quite a bit of discipline to save 40-50% of your salary leh. Agree on how hard it is to save with kid and household expenses sia. What to do.. somethings got to give. Hopefully the saving grace is that your HDB can have some capital gain, at least that will give some money if you can choose to downgrade your flat later on. But I have no idea how the common man can retire in peace.. knowing that CPF and general saving are probably not enough for retirement. Need to either invest darn well or like what some insurance guys will say.. buy insurance ( but then that cost more money further ) :(

[Victors1280]

I'm early 40s this year, married with a kid. Didn't cheong for the past 5 years. Manage to save some since I was 25 years old.

Cash in bank = $163K
CPF = $400K (OA + SA + MA)
SRS = $28K
Stocks, PM, Funds = $40K
5Rm HDB worth $450K (fully paid)
Annual Salary (inclusive of bonus) = $140K
No car now and no debts.

Qualification = Degree

[i_12_have_fun]

Here is my scorecard:

Annual: 150 k (including bonus)
Rental income: 36 k
Ppty: SG private condo (value 1.3 mio - fully paid)
Ppty: SG private condo (value 1.2 mio - 800 k on loan)
Ppty: overseas apartment (700 k - fully paid)

Cash: less than 50 k
CPF: 100 k

Status: Married, 3 kids and 1wife.

Tough life! Living for 37 yrs!

[godz]

44 this year... cash 40000000000
property 3 landed homes... 2 Mercedes Benz.... 2 maids which I change every year...



BUT... all cannot use ..... still haven't die.... so all cannot burn yet....

[kokoruru]

I'm really curious about those that takw 10k plus a month.. What job are you doing?

I'm in finance, I think give myself a few more years and I can hopefully push myself to senior analyst and prob take home between 6k to 8k if I get all my educations and experience correct.

Those who made it high up and take 10k plus a month.

Are you in sales, or higher management? Or in banking.
Just to satisfy my curiosity.

On a side note.. I think I have to give myself 3 to 5 years before I can successfully hit 100k to 200k savings after divesting my investment.

Not married, plan to marry in 2018.
Not going to have dinner, just honeymoon.
My wife to be isn't local, doing long distance now.
She's Indonesian uni grad, Chinese.

Once married hopefully all the things fall into place and she can get PR and then apply for HDB. I'll be 37 before I get my house :(

Maybe planning to have kids before 35 or 36...
Almost married the wrong lady this year.
Fell apart too late but I wouldn't trade it for the world Coz I met someone amazing after.
Just my sperm is gonna get old first LOL

[medicheng]

38, married, no kids.

annual = $64k
saving in bank = $7k
no car
hdb just started paying 3years out of 30 = $310k

think i worse sia

[Victors1280]

I'm really curious about those that takw 10k plus a month.. What job are you doing?

I'm in finance, I think give myself a few more years and I can hopefully push myself to senior analyst and prob take home between 6k to 8k if I get all my educations and experience correct.

Those who made it high up and take 10k plus a month.

Are you in sales, or higher management? Or in banking.
Just to satisfy my curiosity.

On a side note.. I think I have to give myself 3 to 5 years before I can successfully hit 100k to 200k savings after divesting my investment.

Not married, plan to marry in 2018.
Not going to have dinner, just honeymoon.
My wife to be isn't local, doing long distance now.
She's Indonesian uni grad, Chinese.

Once married hopefully all the things fall into place and she can get PR and then apply for HDB. I'll be 37 before I get my house :(

Maybe planning to have kids before 35 or 36...
Almost married the wrong lady this year.
Fell apart too late but I wouldn't trade it for the world Coz I met someone amazing after.
Just my sperm is gonna get old first LOL

---------------------------------------------------------------------------

Am in ICT line for 20yrs, junior management on a MNC company

[Victors1280]

Here is my scorecard:

Annual: 150 k (including bonus)
Rental income: 36 k
Ppty: SG private condo (value 1.3 mio - fully paid)
Ppty: SG private condo (value 1.2 mio - 800 k on loan)
Ppty: overseas apartment (700 k - fully paid)

Cash: less than 50 k
CPF: 100 k

Status: Married, 3 kids and 1wife.

Tough life! Living for 37 yrs!

----------------------------------------------------------------------

Wow! Very good score card, bro!!

How did you do it? With 3kids and salary of 150k annually to own 2 SG condos!

[Bris7]

Everyone achieve different results in life.
I knew a guy about 15 years ago. We both are not from rich familu.
He's a O level holder and a sales exec in a local company & I'm degree holder and a sales engineer in another.
Today, he is a GM in that company & I am a manager in mine.
He's staying in private, owns 3 cars and is a partner in 4 other business.
I am staying in HDB, 1 car and nothing else.

A lot in life depends on opportunity and hard work. But even if you are not as 'make-it' as your peers, don't take it too hard.

[ahpiao]

Late thirties, Single , no money to marry :(

Gross annual income = $26,000
Annual income (after CPF) = $20,800

Saving in bank = $30,000k (Took me 13 years to save)
CPF = about $70K in OA

No car, no motorbike, no money to buy
No property, staying with sibling, waiting to buy 1 room 1 hall flat from government.

Seem like alot of bro much better than me :(

[retsmas]

I feel you, bro... I was once like you (when single), save at least 40% of my income. But then got married (which I regret) and have my own home (HDB). This 2 events nearly wipe out my saving.

Now with a basic of 6K, allowance for parents, 1 school going kid, a car (mass market model) and monthly household expense, saving is a pathetic 10% on a good month. No idea how the country expect us to have more children.

I hope I can be healthy and work till I suddenly drop dead (at home, at work or on the street). Then no need to burden my child.

I feel you, bro..... Typical life of a sg man. Sad but true. I am just like u, hate what i am doing but still hv to drag myself to work everyday. Always been dreaming of financial freedom. Hopefully it comes b4 i up the lorry. If not, let me board the lorry peacefully n painlessly pls.

[kukugun]

Late thirties, Single , no money to marry :(

Gross annual income = $26,000
Annual income (after CPF) = $20,800

Saving in bank = $30,000k (Took me 13 years to save)
CPF = about $70K in OA

No car, no motorbike, no money to buy
No property, staying with sibling, waiting to buy 1 room 1 hall flat from government.

Seem like alot of bro much better than me :(

bro u not alone me n u same same

late 30s single

gross annual income 33k
after cpf 26.4k

saving in bank 25k
cpf nearly wipe out after getting 1room.1 hall from government

[cataramp]

Late thirties, Single , no money to marry :(

Gross annual income = $26,000
Annual income (after CPF) = $20,800

Saving in bank = $30,000k (Took me 13 years to save)
CPF = about $70K in OA

No car, no motorbike, no money to buy
No property, staying with sibling, waiting to buy 1 room 1 hall flat from government.

Seem like alot of bro much better than me :(


Do you invest using your cpf monies?

I'm just curious if people actually invest their cpf monies or leave it to grow with gov.

[ahpiao]

Nope, my CPF too precious to take the risk. :(
My heart too weak to take any shock

Do you invest using your cpf monies?

I'm just curious if people actually invest their cpf monies or leave it to grow with gov.

[cataramp]

Nope, my CPF too precious to take the risk. :(
My heart too weak to take any shock

Nothing wrong la. Cpf interest is high at 2/2.5% right?

Don't think any short term investment can have this guaranteed yield. Even insurance need minimum 10yrs to achieve 2-3%

[hhlover]

10yrs ago i got saving of maybe 10k..
10yrs later.. my best saving..
My wife n my two kids...
Money is not everything..
Family warmth then is everything...

[0541774]

wow bro... I cant imagine.. 28 year old 300-350k annual salary? amazing.. good for you man ..

no proof, anyhow write also can

[cataramp]

But I have no idea how the common man can retire in peace.. knowing that CPF and general saving are probably not enough for retirement. Need to either invest darn well or like what some insurance guys will say.. buy insurance ( but then that cost more money further ) :(

If you reach retirement and cpf quite full, got those annuity plan which payout every month to spend i thought?

But honestly, leading a lifestyle now VS retirement. The question is, how many % are you willing to compromise?

It's never too early to plan for retirement.
I'm in my late 20s and i am slowly building up my retirement portfolio, with some blue chips and insurance, instead of being a burden to my children in future (if i get married).

[orangeproud]

[QUOTE=Bris7;14766901]Everyone achieve different results in life.
I knew a guy about 15 years ago. We both are not from rich familu.
He's a O level holder and a sales exec in a local company & I'm degree holder and a sales engineer in another.
Today, he is a GM in that company & I am a manager in mine.
He's staying in private, owns 3 cars and is a partner in 4 other business.
I am staying in HDB, 1 car and nothing else.

A lot in life depends on opportunity and hard work. But even if you are not as 'make-it' as your peers, don't take it too hard.[/QUOTE

Agree wif wat u say tat a lot in life depends on opportunity n hard work. And most importantly, opportunity only favours those ppl who usually gets ready or hv prepared mind.;) I like ur "but even if you are not as 'make-it' as your peers, don't take it too hard. Thank you for ur encouragement. Upz u!:)

[tecko]

no saving
1 car
5000 btc

[kjames]

38, married, no kids.

annual = $64k
saving in bank = $7k
no car
hdb just started paying 3years out of 30 = $310k

think i worse sia

Bro, me same same as you but I slightly younger n with a kid.

Cpf pay for home loan but projecting to to hit 100k per annum in 5 years

[nachos84]

no proof, anyhow write also can

you maybe right.. but no need to lie here ba.. dont think he will gain anything from it.. i have seen people ceo of own family business.. i think about 32 year old only? Annual income 550k... so.. no point doubting anyone here.

[nachos84]

If you reach retirement and cpf quite full, got those annuity plan which payout every month to spend i thought?

But honestly, leading a lifestyle now VS retirement. The question is, how many % are you willing to compromise?

It's never too early to plan for retirement.
I'm in my late 20s and i am slowly building up my retirement portfolio, with some blue chips and insurance, instead of being a burden to my children in future (if i get married).

I think the annuity only pays up to about 1.9k if you have the latest highest saving of about 241k. are you sure it would be enough when you retire moons down the road?

[Bris7]

I think the annuity only pays up to about 1.9k if you have the latest highest saving of about 241k. are you sure it would be enough when you retire moons down the road?

Of course when in retirement, must also reel-in on lifestyle.
If I am retired, no sickness and is still can live alone, daily spending of $20 should be sufficient. So in a month, should need $600. Another $200 for S&CC and electricity. Total $800. Factor in inflation and value of $ in 20/30 years time... maybe will be ard $1500.

Yes, life will be boring but can still survive.
So for now, IMO, the plan looks beneficial to me.

[Bris7]

38, married, no kids.

annual = $64k
saving in bank = $7k
no car
hdb just started paying 3years out of 30 = $310k

think i worse sia

Believe that like most of us, you should have done your calculation.

Reduce the principal amount on your housing loan ASAP. Annually, I would do a partial repayment (abt 10K~12K) on mine to reduce the principal amount cos the total interest is ridiculous over 30years.

[cataramp]

I think the annuity only pays up to about 1.9k if you have the latest highest saving of about 241k. are you sure it would be enough when you retire moons down the road?

Bro, of cos not.

That's why I am slowly building up my retirement portfolio at the age of 25. (It's never too young to start as I don't wanna become my children's burden next time.)

Currently i have some blue chips and insurance in place. Can you guys give some opinion?
- STI ETF which i will put in at certain interval (DCA)
- Hospitalization plan to cover my hospital bill if anything happens.
- Term Plan covering 500k until 65 years old.
- Whole Life covering 200k, which i will surrender for the money when i retire
- 25 Yrs savings plan which i get payout when I'm 50 years old.

Will definitely review my portfolio again if i have kids. Need to make some changes and allocation money for their planning as well.

Personally, If i think one who wants to depend solely on cpf/gov, bang wall and die faster i think. (they don't owe you a living anyway)

[Victors1280]

Wow Tecko Bro got 5000 BTC!!! That's at least 3.1million SGD!

[VaeVictus]

34, No Kids
Annual $54,000 (Used to be $70,000)
Savings $4,000 only
ILPs $20,000 (Cash out period is 2020)
Stocks $1,000 (For fun)
HDB fully paid for (Parents paid and passed it on to me)
CPF Totals: $120k

Have car, Have Loans ($20k worth)

Living from pay cheque to pay cheque clearing off loans, credit card bills (ex-gf left me with a big debt which the interests went spiralling out of control). Most of my pay goes to car, loans and credit card bills.

Am looking much better now compared to exactly 1 year ago. Now only left with 2 cards (1 for petrol, 1 for spending). Cleared and cancelled off 4 cards already around $35k.

Went through depression trying to sort my life and finances out. Boss gave me a decrement and demotion because of my depression period to makes matters worse. I guess my partner now has been so positive and aided me in staying clear and calm despite the bills. Have to take up 2 loans to clear the card debts. Now I'm only left with 1 loan and 2 cards to deal with.

[cataramp]

Stay strong bro, you can do it :)

[edack]

0yrs to 18yrs no saving and house and no car too

18yrs to 40yrs many many property around Asia and many cars too...
Malaysia, Thai, Singapore, Phi, China, Korea, Indonesia, Lao and Mongolia..
Trying to invest some property in Russia and Japan and Hongkong now..
Saving still Zero..Monthly salary 3.5k...PSLE only..Lolx..
Ok boh huh? hope i not so low class lah hor...:p


Bro ..swee ..u 18yrs old property Liao ..can share some tips aboUT investing in property __(especially when on start with low resources)

[edack]

Late thirties, Single , no money to marry :(

Gross annual income = $26,000
Annual income (after CPF) = $20,800

Saving in bank = $30,000k (Took me 13 years to save)
CPF = about $70K in OA

No car, no motorbike, no money to buy
No property, staying with sibling, waiting to buy 1 room 1 hall flat from government.

Seem like alot of bro much better than me :(


cheer up bro, know of one bro (around age)whom CPF barely into 10k but he takes it in his stride,just that love relationship with local ladies seemly difficult whwn they knew of the amount

[Lonerangermove]

Since no one is the weakest link, let me take it.

I am in credit loans after parents in and out of hospital. During their young times, never thought of buying insurance and wanted to buy when I am ready but too bad got medical issue cannot buy insurance.

Now I am -70k.

Anyone can win me?

[fallen69angel]

Since no one is the weakest link, let me take it.

I am in credit loans after parents in and out of hospital. During their young times, never thought of buying insurance and wanted to buy when I am ready but too bad got medical issue cannot buy insurance.

Now I am -70k.

Anyone can win me?

I was -150k.

[NiaoRenn]

Long hours, grinding and hard work = $

[pussluver]

Since no one is the weakest link, let me take it.

I am in credit loans after parents in and out of hospital. During their young times, never thought of buying insurance and wanted to buy when I am ready but too bad got medical issue cannot buy insurance.

Now I am -70k.

Anyone can win me?

Stay strong bro.
You can ask for monthly payments from the hospital bills. Dont use your credit card. It'll kill you.

I was in a lot of debts when I was in my 30s. Business failed, owed creditors few hundred k. Luckily they gave me some leeway and did not declared me as bankrupt.

All you need to work hard, take multiple jobs, save as much as you can to pay off the debts, suffer for few years, all you can start anew.

I was working 2-3 jobs daily, sometimes over 20 hours, including weekend. I was literally on plain bread for 3 years for my breakfast and lunch. For dinner, it's just plain rice and eggs, sometimes just vegetables only.

You can definitely do it. It's never too late.

[cataramp]

Since no one is the weakest link, let me take it.

I am in credit loans after parents in and out of hospital. During their young times, never thought of buying insurance and wanted to buy when I am ready but too bad got medical issue cannot buy insurance.

Now I am -70k.

Anyone can win me?

It's always the case bro, that's why i always encourage my friends around me to be covered when they're young and they always ask me "why now?".

I'll tell them, insurance is not something like you suka suka anytime can buy wan, you wan buy also must make sure underwriter accept your proposal. Outside look chiochio inside rotten how. :o

[orangeproud]

Stay strong bro.
You can ask for monthly payments from the hospital bills. Dont use your credit card. It'll kill you.

I was in a lot of debts when I was in my 30s. Business failed, owed creditors few hundred k. Luckily they gave me some leeway and did not declared me as bankrupt.

All you need to work hard, take multiple jobs, save as much as you can to pay off the debts, suffer for few years, all you can start anew.

I was working 2-3 jobs daily, sometimes over 20 hours, including weekend. I was literally on plain bread for 3 years for my breakfast and lunch. For dinner, it's just plain rice and eggs, sometimes just vegetables only.

You can definitely do it. It's never too late.

Salute u!;)
Upz u for ur encouragement over here!:)

[Bris7]

Stay strong bro.
You can ask for monthly payments from the hospital bills. Dont use your credit card. It'll kill you.

I was in a lot of debts when I was in my 30s. Business failed, owed creditors few hundred k. Luckily they gave me some leeway and did not declared me as bankrupt.

All you need to work hard, take multiple jobs, save as much as you can to pay off the debts, suffer for few years, all you can start anew.

I was working 2-3 jobs daily, sometimes over 20 hours, including weekend. I was literally on plain bread for 3 years for my breakfast and lunch. For dinner, it's just plain rice and eggs, sometimes just vegetables only.

You can definitely do it. It's never too late.

Well done to you. It really takes determination & discipline.

I know a friend who was in debt (owe more than 100K from playing shares). Yet he was not prepare to give up his lifestyle (still want to keep his car). That was 8 years ago. I believe he's now still in debt.

[iunitedz]

If there is no gambling, prostitution, drinking in my life, perhaps now i have at least S$60k savings in bank. I am 27 now, 5 years working, degree holder.

gambling - 30k
pros - 15k
drink - 5k
everything i left now is 10k.

But at least now i know how to plan better financially.

Save before spend.
After save the portion you set, you can spend the remaining on any bloody thing you like.

Hopefully the figure will go up again. now i force myself to save at least 3k/month. Not easy to control the urge of those bad habits thou..

[winphenom]

If there is no gambling, prostitution, drinking in my life, perhaps now i have at least S$60k savings in bank. I am 27 now, 5 years working, degree holder.

gambling - 30k
pros - 15k
drink - 5k
everything i left now is 10k.

But at least now i know how to plan better financially.

Save before spend.
After save the portion you set, you can spend the remaining on any bloody thing you like.

Hopefully the figure will go up again. now i force myself to save at least 3k/month. Not easy to control the urge of those bad habits thou..

Its never too late to start thinking with the right head and change the course of your life. 27 years old is still very young plus you have a great career. Better start now and lessen your vices as life is getting costlier and tougher. Its still never too late to save up and enjoy more in your 50 where you have peace of mind knowing you have excess for it.

[iunitedz]

Its never too late to start thinking with the right head and change the course of your life. 27 years old is still very young plus you have a great career. Better start now and lessen your vices as life is getting costlier and tougher. Its still never too late to save up and enjoy more in your 50 where you have peace of mind knowing you have excess for it.

Yeah, cant agree more than that.

At least I controlled quite alot on my gambling side. Banned myself from the casinos, even travel overseas will try not to gamble any single cents, unless for social peer pressure.

But, I am kind of person must enjoy life.
So ladies, alcohol, travel is something so called unavoidable in my life

The point now is how am I going to balance my financial sheet and my internal lust.

[Chriskeong]

Yeah, cant agree more than that.

At least I controlled quite alot on my gambling side. Banned myself from the casinos, even travel overseas will try not to gamble any single cents, unless for social peer pressure.

But, I am kind of person must enjoy life.
So ladies, alcohol, travel is something so called unavoidable in my life

The point now is how am I going to balance my financial sheet and my internal lust.


Work harder to earn more money lol

[winphenom]

Work harder to earn more money lol

Couldn't agree more with this comment bro. However, if you are the type who spends even more when you earn more, then i guess the equation still equals to zero or negative. Like what bro blackcloud said, you are your greatest enemy and no one can stop you unless you stop yourself.

[sexcrusader2]

My master penniless because spent money on chickens.:D

[iunitedz]

Work harder to earn more money lol

Definitely this is the way.

Thats why i am working overseas now. Haha. Around 7k take home pay which is quite good for me.

Somehow I will still worry if jobless in the future or drop to lower income group, how to sustain this kind of lifestyle?

Time to learn how to enjoy in porn and TFK? Haha

[FUNNYANDHORNY]

Definitely this is the way.


Time to learn how to enjoy in porn and TFK? Haha

simi TFK?
I know JFK, not TFK..:confused:

[DIDIGOGO]

I was in deeply debt many years ago,

Gambling (Casino): - 15k
Gambling (Football): - 35k
Money borrow friend that never comes back & then lost those friend: -5k
Spending on branded items on girls (trying to win their heart but at the end I am only waterfish <--- what a fuck ): -15k

Then I met my wife and before getting married, I manage to settle the debt and start some savings.

Then get married and bought an apartment. Spend how many money I also lost count on wedding photos, wedding ring, wedding dinner, apartment down payment, renovation & furniture.

Today I have:

Bank Balance Cash: 8k
Money borrow friend (another one): 10k (He will pay, just installment)

And my first child is going to born soon....Jialat.

Everything need money. Now chasing my friend settle half of the money he borrow from me.

If I can pay by my own without borrowing any money from Bank then I would be happy already.

After that, I will start saving again.

By the way, I am 33 years old.

Dream to have one Lexus NX200t, that's my TARGET. I am very DETERMINED TO HAVE IT !

[garlic]

36, married, no kids. Degree holder

1.78m 70kg
Finished marathon 42.1km last year
Did a full triathlon last year, doing it again this year
Medical checkup, doctor say everything good, working and "gold standard" his exact words :p
Im very happy... and i hope Schooling wins the gold medal this morning.

P.S. I have a close relative who died of kidney failure, one who just went for bone marrow transplant, one who suffered stroke at an early age, an auntie who died 60+only from lung cancer and many friends who cant climb 3 flight of stairs before shouting for the lift.

HDB, Pte PPty, car, cash, stocks ILPs here and there... things only achievable with good health..

[garlic]

I was in deeply debt many years ago,

Gambling (Casino): - 15k
Gambling (Football): - 35k
Money borrow friend that never comes back & then lost those friend: -5k
Spending on branded items on girls (trying to win their heart but at the end I am only waterfish <--- what a fuck ): -15k

Then I met my wife and before getting married, I manage to settle the debt and start some savings.

Then get married and bought an apartment. Spend how many money I also lost count on wedding photos, wedding ring, wedding dinner, apartment down payment, renovation & furniture.

Today I have:

Bank Balance Cash: 8k
Money borrow friend (another one): 10k (He will pay, just installment)

And my first child is going to born soon....Jialat.

Everything need money. Now chasing my friend settle half of the money he borrow from me.

If I can pay by my own without borrowing any money from Bank then I would be happy already.

After that, I will start saving again.

By the way, I am 33 years old.

Dream to have one Lexus NX200t, that's my TARGET. I am very DETERMINED TO HAVE IT !

Bro, i tell you, any car's novelty will wear off after one year, max 2 years.. after that it becomes just another transport. Buy a B&B car and use the savings to travel the world. just my 2c.

[sadfa]

I was in deeply debt many years ago,

Gambling (Casino): - 15k
Gambling (Football): - 35k
Money borrow friend that never comes back & then lost those friend: -5k
Spending on branded items on girls (trying to win their heart but at the end I am only waterfish <--- what a fuck ): -15k

!

15k casino debt low la.
35k ok la.
Those ppl in debt are 100k n more so you're lucky
_____________________
Exchange points lucky ma?

[sadfa]

36, married, no kids. Degree holder

1.78m 70kg
Finished marathon 42.1km last year
Did a full triathlon last year, doing it again this year
Medical checkup, doctor say everything good, working and "gold standard" his exact words :p
Im very happy... and i hope Schooling wins the gold medal this morning.
..

Schooling no chance la but no matter what, hope he don't win or we won't hear the end of their never-ending bragging shit n how theyll shamelessly attach themselves to him to steal his glory.
________________
Exchange points is stealing glory ma?

[iunitedz]

simi TFK?
I know JFK, not TFK..:confused:

TFK = masturbate, just another shortform in cantonese..