Buying without looking at the price tag

My friend and I talked recently as we both just started working.

So we asked each other what our ultimate goal of working shall give us.



He told me that he hope he would be able to like treat his friends at a restaurant or buy things without looking at the price tag.

Well, that would be crazy but at least it is something that he is aiming for and it’s really nice of him to think of the people around him enjoying as well when he becomes rich.

Many people want to achieve financial independence for certain reasons, maybe to have more time to spend with their loved ones or to start something that they always wanted hence retiring early.



I read somewhere that why most people want to achieve FIRE is because they have that FIRE (interest) in them to want to do things that interest them. 

And being financially free would give them much more time to cultivate or grow that FIRE in them.

For me, I would like to be financially free as in that I would continue working but not for the sake of money.

When I met up with my secondary school friend recently, she told me that when her friend meet up nowadays, it is always to complain about their work and how tiring it is.

Out of all her friends, she only has one friend who truly enjoys his work and looks forward to going to work everyday.

I mean work really takes up a lot of our time. From being in school, where our time is so flexible and free, we enter the corporate world where we spend about 8 hours (minimally) each day 5 times a week.



That's crazy if you ask me. Especially when you are starting out and the pay is not yet that attractive for you to spend so much time on it.

Back to the point of why I want to achieve FI is not to have the burden of worrying about money.

So for me, the focus is not on retiring yet but being able to be financially free.

Of course, being financially free might have it's own set of problems but I wouldn't know for now. HAHA.

Of course, at every phase of life, we have different commitments and goals and for now, I would like to save and increase my income at the same time.

Follow me on Facebook: SingaporeanTalksMoney

Goals for 2019 - Physically, Mentally and Financially

January 2019 is coming to an end soon and I realized that I haven't set any goals yet for this year.

Goals are essential because they are a target for you to work towards and even if you were not able to achieve it, at least you were in the journey of achieving it.




For me, I don't usually set goals but for this year, I like to try to have some goals to make myself to be a better me. HAHA.

Physical Goals:

- I hope to at least exercise two times per week either by skipping or to have a jog around the neighborhood.

- I have no need to reduce my weight as I am in the acceptable range so maybe my goal would be to not gain too much weight as work does take up pretty much of my time and I have my dinner at a pretty late timing.

- I also do snack after dinner and weekends are for eating so I think exercising would have to be incorporated into my life for me to be healthy.

Mental/ Emotion Goals:

- I have always been worried about my life, how it will turn out, whether am I on par with people of my age.

This in turn has actually put a lot of stress on myself because I am always comparing myself with others.




This is definitely not good and some times it demoralizes me. So in 2019, I hope to just live my life and not be so affected by people.

Financial Goals:

- Since I have started working in end of 2018, I would hope to increase my savings as I have a regular source of income from my job. I would hope to save at least $12 000 in cash savings for 2019.

- This would mean that I would need to save $1000 per month which I think is still manageable.




- The contract for my current job would end in August 2019 hence before that, I would also like to be able to find a full-time position of a similar or if not higher pay.

My goals are not that specific but it's a starting point for 2019. Here's to a great 2019!

Follow me on Facebook: SingaporeanTalksMoney