As from April 2013 my Journey in Investing is to create Retirement Income for Life till 80 years old for two over market cycles of Bull and Bear.

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This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

"For the things we have to learn before we can do them, we learn by doing them." - Aristotle

It is here where I share with you how I did it! FREE Education in stock market wisdom.

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Value Investing
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Thursday, 1 January 2015

Tracking Annual Living Expenses and Doing Annual Budgetting Exercise???

Tracking our living expenses and doing our annual budgeting is NOT all about controlling our living expenses to save more and more. 


It can be used to avoid under-spending.

We only live once!

"When we are in heaven, our money will still be in the bank."

"We don't seem to have enough money to spend; but, when we are gone; there's still lots of money not spent.


  1. Donkey Years are over. Spending more on children is also over.

    Divert those "saving" to Old Man and his Old Mate to spend more during their Dog Years.

    When we reach our Monkey Years, got plenty of money also no use. Beware!


  2. Hi CW,

    Your Donkey years are can do whatever the hell you like now! Expenses is so low.

    I think you need my help to make your expenses bar higher!

    Spending on Children is over.... Now Children spend for you.




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