Welcome to my Blog!

Yes it’s Christmas and New year, and I’ve spent quite abit, apart from the rest of the usual boring months. This year was alittle bit different. I spent quite abit of time with old friends, had some great time with them with the joyous occasion.

Also just recently, I realize some good ways to have good ROI with investments vehicles of up to 10%-15%. SO with this newly gain information, I hope my portfolio of money management will have some slight adjustments.

Oh yes, it’s nearing the end of 2009 (in fact its 2010 now), just taken quite abit of year end bonus here, but not alot. This had went into that investments, and subsequently I would channel some percentage of my money to that vehicle hmm… just thinking about getting $3000 a year for my $30,000 worth of investments…

And it is coming close to a round of increments to salaries roughly 3 months time.

$500/month Citibank Step up Account

Expenses
$20 Dinner for Xmas Eve
$15 Drinking for Xmas Eve
$25 KTV Singing
$20 Dinner for Post New Year ?
$40 Presents for my dear cousins

I wrote one of my expenses to be the X mini speakers. Guess what. I applied for this HSBC credit card, and it actually offered me a free gift. And its another X mini speakers! The same model.

Without hesitation, I immediately took it to my office and sold it off at half the price, by just being friendly. If only I had waited, I could have save that $36. Anyway, it had passed already. This HSBC card indeed gave me what it mentioned; with 3 transactions a month, you get a $5 cash rebates.

My aunt too gave me a $100 voucher for a bookstore, Kinokuniya. I ended up buying $200 worth of books. Well, books are knowledge, and I can read them at a later date, since these information don’t go outdated. (I bought all books related to stocks investment etc)

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account
$150 - Profit from US stocks trades

Expenses
$100 Kinokuniya books!
$20 Some Audio CDs. Korean ver - Boys over flowers
$12 A couple of bubble teas. They cost $3 per cup.

August seemed to run so fast, as I am a little late on my summary post here.

This month, I saw a cheap offer for toothpaste, offered by Watson’s a pharmacy. It also sell lots of other daily needs. Armed with a credit card that offers 3% rebates on total amount purchase, I bought some of the usual toiletries and save about 30% on Oral-B toothpastes. Its 33% of savings in total.

And just when I thought I am starting to save more, I actually made a mistake on my internet bills. My dad accidentally threw away the internet bills, so I had to pay a 2 months bill, making it higher this month.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account

Expenses
$80 internet bills
$36 X mini Speakers (cool speakers, but I don’t need em actually..)
$50 A treat to my relatives on Ice cream buffets

It isn’t that bad, I track my expenses closely. But sometimes these are stuff that must be spent on

This month, Great Singapore Sale happens, (I guess it happens every country too), and I had gotten a good deal. Since I am very tall at 186 cm or 6 foot 2, I need proper office shirt that has long sleeves, not too big at the sides and waist, and something not expensive. So I have only 2 choices here locally, Marks & Spencers and G2000 apparels.

So this month, I’ve gotten 2 very good deals, buying 5 shirts priced at $69.90 for only about $31.xx (can’t remember how much), and a wallet priced at $90 for $65.

This was G2000 going at a 40% discount, and on top of that a Citibank Credit card 25% discount, so in total, I had a 65% discount ! We, luckily I waited and waited and finally I gotten in and got all. Since their shirts are all cut the same for all shirts, it’s easy for me to go back, buy and not worry about any misfits.

The wallet, was from a 2 day special by Tangs, a 20% + 10 % discount, so not a bad deal, and too was provided by Citibank’s Credit Card. I guess I found good value in keeping this card!

As for trading, I stopped, because freaked out like what other books had written. A single large failure will cause small investors like us to quit the market, lose moral and confident, and this is so true. I am still human afterall.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account

Expenses
5 x $31.xx = $150 - G2000 shirts x 5
$65 - Pierre Cardin wallet

In the previous posts I mentioned having a change in life with how I handle and mange money. Other than working my sweat out to earn that keep just for bills, we have, or should I say, our financial system allows us to do something called investment. (after all banks, financial firms, insurance, all ultimately goes to trading onto business and credit interests to earn, and we should too.)

Without going into details, I’ll just redirect you to my trading and investment blog called

http://www.managemoneyonline.com.

It blogs down some of the winning and losing trades, as well as what really happen to my initial capital of 1xxxxx dollars.
*Warning, its pure hardcore posts in terms of stocks and market trading, on the NYSE and NASDAQ.

Here’s this month’s breakdown:
Savings and Earnings

$500/month Citibank Step up Account

Expenses

Lots of >$20 lunch while I was making $50-$100 on average trading daily.
And a terrible terrible lost in a single trade, that left me saving even my toothpaste for brushing. (Look to my trading blog for more details! http://www.managemoneyonline.com )

I didn’t really track this money as money went flying around my bank account, to my POSB account, then to through my EPS to my POEMS trading account.