I'll kick it off! Quite a simple 'hack' that most people will know. This is with regards to credit card applications and free gifts. You've seen those credit card applications that offer a free cool looking luggage that you'd really like. But wait! There's a minimum spend. The easy way to get by this would be to buy grocery vouchers with the card to hit that minimum spend, and voila! Said luggage is yours! heh! After all, we do need to buy groceries don't we?
I don't think it matters, the age in which one retires. The younger the age, the more green-eyed people get, haha. I have some relatives that retired pretty early, at age 40+, definitely the envy of many. Are you intending to follow the movement and at some point retire early? So far, from what you've read, any cool tactics to share other than passive income streams and saving more?
Hey! Kwong Shin at Bras Basah has pretty good prices, I changed my ray ban's lens years ago, forgot how much exactly already but I remember it was cheaper than the average price outside. Maybe you can call to check first! :)
I'll share my own piggy bank story too! For me, my piggy pank came in the form of a little plastic lion. Saved for gameboy games and toy guns and planes. Right now, I still have a coin bank for loose change I find in my pocket at the end of the day. And once that gets filled I’ll just bank it in. For 2018, I started a “$5 challenge”. In which I saved every piece of $5 note I came across. That added to about $1K at the end of the year, and went into my frivolous purchase fund that I used to buy my new iPad with, yay!
2018 has been an interesting year for me. A pretty wild mix of ups and downs, but hey, still hanging in there! Let's cross into 2019 with good vibes and strong resolutions. Which reminds me, if you haven't made yours... do it here. "I may look fine on the outside, but deep down, inside my shoe, my sock is falling off" !
For theory, breezing through the book is enough. Look for websites/apps that have test questions. Just do those again and again and you should be ready for BTT/FTT! When you begin your practical driving sessions, might be good to have a few dates in mind for the month. Pre-load the account with credits and find out the time(you can ask them) that the system refreshes for the new month. Then book those dates one shot for your lessons. If you wait a little too long, slots get snapped up really quickly. So it's best to book them all in advance. I'm not sure if the system used now is still the same as when I did mine years ago. But that should be a good way to ensure you clear your lessons faster. All the best, see you on the roads!
I don't see this as a problem! It is great that you are able to hit your work targets and all. With the extra spare time that you have, perhaps you can participate in more networking sessions or grab meetings with more potential clients etc.? However, if you feel that you are not learning anymore and progression is relatively stagnant, it might be good to bring it up to your boss and see if more responsibilities can be assigned to you. That'll at least give you a clearer lease on the current career. If nothing has changed following that, then yes. It is probably time to begin looking for another job. It is important to keep learning and improving, as well as being happy with what you're doing too.
It depends on whether your emergency fund is safe and still growing, and you can afford to dip into your savings to get it. It's alright to splurge a little once in awhile, and it makes it easier since there are sales going on. Alternatively, have a chat with you gf about it and discuss about sharing the cost of the switch. I actually have that arrangement and we now both jointly own the console.