Letting Go of Baggage

Moving into the New Year has brought a refreshed mindset and clarification of where I would like to be in my friendships, relationships and well-being in the next 365 days onwards. Outside of money, my focus is to reduce ‘waste’ as much as possible in these above three fields and let go of that which…

2016 Net Position + New Years Financial Resolutions

Yesterday I landed back in my hometown for the first time in a year to see family and friends for Christmas and New Years and realised how fast this year has flown by, and more importantly, how little my financial situation has progressed. Coming back home has been a financial reality check from the parents on…

Merry Christmas Readers!

I’m hoping that all my beautiful readers had an amazing Christmas surrounded by loved ones and looking forward to seeing you in the New Year! Thank you for reading my many financial blog ramblings and stay tuned for more in the new year! 😀   xx Miss Piggy

November Budget Blowout

Now that we’re coming up to the end of this year, I’m putting together monthly posts to expose the exorbitant costs I’ve incurred in the month of November. Drum roll please! Ta da! Ok.. let’s look at the nitty gritty detail: Yikes. Not so good, given that these expenses sum up very closely to my after-tax pay…

I blew the budget…again

I am so so sick of living paycheque to paycheque, yet I still manage to blow the budget every single month. I’m becoming more conscious about my financial health, realising that I don’t have anywhere near 3 – 6 months cash as an ’emergency fund’ to cover my living expenses in the event where I’m…

Luxury is an experience, not an expense

The message that luxury is a frivolous and excessive expense is a tale that many frugal bloggers preach to FI followers. The old frugal folklore that luxury is the evil child of consumerism and the fodder to greed reins supreme in FI territory. There are articles upon articles telling readers to focus on the importance…

My relaxing, frugal Saturday

Mr. Piggybanks flew away to Bali for a week-long bucks party, so I was left to my own devices – a solo girl’s pamper day! This is my second weekend watching my costs. The best thing about focusing on activities that are more value-adding and less costly is that I’m making plans and taking actions…

Shrinking my entertainment expenses by 70%

After discovering a $9300 budget blowout in this year alone, I’ve made great progress this week! Last weekend I prepared all my food in bulk (total cost was about $200) which made about 3 weeks of lunches and dinner including other fresh groceries. Laksa soup (4 servings) Chicken and Leek Mini Pies (6 servings at…

My $9,300 Cocktail Fund: Keeping up with the girls

For a couple of years I’ve been using the personal budgeting app called Pocketbook which links to my bank account and categorises all my transactions. I absolutely love it. It’s become a habit to categorise everything I spend in the app and take photos of receipts, even if I don’t watch and cut down on…

The $1000 Project: Investing my first $1000!

Happy Sunday readers! Finally after having no money following a big splurge on entertaining visiting friends, moving apartments, paying bond, buying flights back home for Christmas and general socialising, this month I’m being smarter with my money and getting more bang for buck. My first $1000 was earned from putting aside a big chunk of…

The $1000 Project

Inspired by FI blogger, SugarMamma, I’ve been inspired to try out her idea of a $1000 project as my first step towards FI. I came across SugarMamma while youtubing FI videos and by luck one of her videos popped up in my youtube recommended feed. I particularly like it as her style and lifestyle is…