Saving what you earn and start investing! Live below your means and start looking at your financial status today! The more you save, sooner for you to achieve financial independence!
Do you know the only thing that gives me pleasure? It’s to see my dividends coming in. -John D. Rockefeller There are a few surprises that happen to my USD denominated portfolio in 2Q 2022. As you know, I opt for VUSD and VWRD as my equities ETFs, both ETFs… Continue Reading
“Success is the sum of small efforts, repeated while ignoring the noise around you! “ As you remember, I switched my mobile plan from Maxis to U mobile last year after being a loyal Maxis customer for almost 25 years. I used to spend MYR230 per month for 3 phone… Continue Reading
“I have an income nearly sufficient for my wants (no one’s income is ever quite sufficient, you know).”-Anthony Hope Yes, I am saving as usual to achieve my financial independence but the month of January is always depressing because I don’t get any dividend from any of Malaysian or Singaporean… Continue Reading
“The reason that man is seldom satisfied with his salary is that when it increases, he increases his expenses.” Yes, finally the year 2020 came to an end, it was a tough year for many of us. 2020 also provided us a chance for deep reflection what has gone wrong… Continue Reading
“It is not the man who has too little, but the man who craves more, that is poor.”Seneca The year 2020 almost comes to an end and I have been reading many books about life and investment for the last 6 months. The last 6 months were the most incredible… Continue Reading
OK, I made some changes in September 2020, I have switched the mobile package from Maxis to U-mobile. Yes, I finally gave up on Maxis after 25 years. By switching, I save about MYR 50 per month, that translates to MYR600 per year. So far I have no complaint about… Continue Reading
Yes, I am still saving as usual towards my financial independence. People hate saving! We were born and taught in school to consume and buy stuff to satisfy our desires. ‘Work like a doctor and live like a monk!’ is my motto! I work hard and I have very few… Continue Reading
The tragedy of life doesn’t lie in not reaching your goal. The tragedy lies in having no goal to reach- Benjamin Mays Some readers ask me via emails what plan do I have after retirement since I am so obsessed about early retirement. How do I plan to spend all… Continue Reading
I have decided not to list down my passive income in this blog due to various reasons. However, I am still very happy to share my expenditure here. Maximizing your income is part and parcel toward financial independence. I am trying to increase my passive income by doing a few… Continue Reading
Life just came back to usual in June 2020. Malaysia started its RMCO ( Recovery Movement Control Order) from 10 June 2020 and economic activities are slowly coming back. Hospital activities started to pick up and my clinic patient load was still about 50-60% of the usual. Thankfully, I was… Continue Reading
