Day 19: How to Pay Off Your Mortgage in Record Time

When we bought our house a couple of years ago, we already had credit card debt, two car loans and a margin loan (shares investment loan). We estimated that it would take 10 years to pay off the mortgage and other debts. However, with aggressive lifestyle adjustments we have been doing in the past 1.5 … Continue reading

Day 11: Designing Your Life with Savings Snowball

Most PF bloggers talk about the legendary debt snowball method but only a few who discuss about savings snowball. Since the method is simple and efficient, why not apply it in other areas too? The goal of this exercise is to utilise your extra cash efficiently and design the life you wish. By listing your … Continue reading

Day 2: Budget Review, Part Deux

Today I finally stepped my foot to the gym after procrastinating for six weeks. I don’t know what it is that I fear about exercising. Oh wait, yes, the muscle pain and the slow result. Regardless, I finally did it and it felt good. Probably more to the absolution rather than the physical fitness, but … Continue reading

Day 1: The Game Plan

Ahh, 2010 is finally here! I’d been looking forward to it. My beloved and I started the year merrily by having a delicious breakfast and watching the visually fabulous Avatar (did I hear “2-D plot on a 3-D movie”?). It has been a lovely, lovely day. Now it’s time to get serious. I have planned … Continue reading

Is Frugality the New Superiority?

We’ve heard the stories before; a couple with average income who managed to rack up $200k in consumer debt, a guy who had to declare bankruptcy due to overspending or a woman who toted a Gucci handbag while lining up for the meal van. These stories are run on various TV shows, magazines, newspapers and … Continue reading