As we head into the last quarter of the year, there's positive momentum building where my overall portfolio climbed higher to 6.2%. This month gained in terms of cash savings where a portion went to SRS and another to CPF housing refund. Investments practically stayed still and the highlight was a decent amount of dividends received.
Throughout this year, I had been evaluating areas where I could control expenses. So I'm writing this down as a record for future recap.
1) No gym membership: exercise is free in the open areas
2) Lesser bubble tea: home brewed tea is easy to make and healthier too
3) Dental service: it's available at half the price in JB
4) Await promotions: most things can wait, patience rewards
5) Walk around to compare: fruits are expensive nowadays, the same apple can be a dollar cheaper.
6) DIY repairs: door lock, grouting, light transistor, parquet wood chip etc can be learnt online
7) Haircut: subjective but some barbers offer pretty good deals
8) Pickup deals: some apps give discounts for self service eg ice cream at petrol stations
9) Bar soap: lasts longer and cheaper
10) Probiotics: essential spending, clinic issued ones are overly priced
Dividends as of September 2025: $7976.55 (avg $886.30 per month)
Tip: Ryoko The Base Junmai Ginjo, balanced dryness, watermelon with a kick of mineral
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