I used to write about interest rates, expense cutting, lobangs on where to eat, places where I can get a good deal...
But these days, I don't have such things to write about anymore.
And a part of me wonders whether I've lost touch with readers. Cos most people still go out and buy stuff, or top up their groceries with their own cash, whereas I just stay within my AIA Vitality app budget.
For me, I've pretty much stabilized my current lifestyle.
My wife goes to work in the morning. I fetch her.
I come back home, settle the chores and any misc stuff. Collect free food, I prepare dinner, stuff like that.
Saturdays, we visit our parents.
Sundays, we just stay at home and I cook.
When she's out at work, she spends on her food for lunch.
Besides that, we usually eat free, except for some special occasions or when we meet our friends.
We hardly spend any money. Or we don't have much opportunity to spend.
The main bulk of our spending is really when we travel, cos we have to buy my flight tickets, any extension expenses, insurance, additional food.
And it's really hard to get lobangs on this area, cos everything is determined by her business travel plans.
So I'm wondering... have I pretty much stagnated?
Investments, I don't really like to talk about...
Savings and interest rates, for me, UOB is still the best option with 2x $500 spend on the One card every month.
Expenses has trickled down to a minimum.
I used to go out and eat on weekends, now I don't.
Handphone bills are at an all time low at $3 per month.
Utility bills can be cut if we turn off the air-con at night. But I think this might affect our quality of sleep, we've tried, it didn't work out well.
Other household expenses are acceptable. We hardly buy clothes or other stuff.
And I came to this realization... OMG, I've stagnated.
At this point, there's very little more I can cut my expenses without losing quality of life.
And I wonder... is this a good thing?
Usually, it's not. Cos there's always room for improvement right?
And yet I know that if I start cutting down lunch with friends and turning off the air-con and I lose sleep over it, it really becomes... just unpleasant.
And if I keep thinking of cutting expenses more, then I might as well just be homeless, cos that's what being frugal entails. Spending a little, to get a fairly reasonable quality of life. At a certain point, any less spending would just be ridiculous.
Maybe I should start looking for places that will pay me to eat their food. Then I think that would be on a whole new level.
I'd really appreciate if readers can suggest other novel ideas which can be used to cut cost and retain or improve my quality of life.
It would be quite interesting to learn something new.
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