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 Personal financial management, V2

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cynthusc
post Jan 9 2013, 05:19 PM

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Both me and my daughter like tasty food hehehe:

Eg.

Breakfast:
Pancakes with bananas and half boil egg

Lunch:
Savoury pancakes with leftover roast chicken, tomatoes and herbs

Dinner
Slow cooked lamb with savoury rice and steam vegetables

Then the next day...

Breakfast
Half boil eggs with toast and a banana

Lunch
Fried rice with lamb leftovers and beans

Dinner
Rice with Spicy tofu beef soup

Just to let you know : All the meals only takes me less than one hour except for the lamb which I throw in the pot in the morning to slow cook until dinner time. Breakfast less than 30 minutes. A lot of people think it takes a lot of time. It takes less time than watching an episode of 24 or House.

This post has been edited by cynthusc: Jan 9 2013, 05:32 PM
Kaka23
post Jan 9 2013, 05:34 PM

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QUOTE(cynthusc @ Jan 9 2013, 06:19 PM)
Both me and my daughter like tasty food hehehe:

Eg.

Breakfast:
Pancakes with bananas and half boil egg

Lunch:
Savoury pancakes with leftover roast chicken, tomatoes and herbs

Dinner
Slow cooked lamb with savoury rice and steam vegetables

Then the next day...

Breakfast
Half boil eggs with toast and a banana

Lunch
Fried rice with lamb leftovers and beans

Dinner
Rice with Spicy tofu beef soup

Just to let you know : All the meals only takes me less than one hour except for the lamb which I throw in the pot in the morning to slow cook until dinner time. Breakfast less than 30 minutes.  A lot of people think it takes a lot of time. It takes less time than watching an episode of 24 or House.
*
No mentioned about hubby?
jerrymax
post Jan 9 2013, 05:47 PM

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QUOTE(wongmunkeong @ Jan 9 2013, 05:06 PM)
But but.. if lazy.. (guys without taste buds & time):

Lazy Office lunch:
1. Carbo: Whole meal / full grain bread OR cook 5 days worth of brown rice & pack into 5 containers, freeze them.
2. Protein: Hard boiled eggs (5 days worth, chuck in fridge when boiled - nature's packed fast food tongue.gif) or cheese
3. Fibre & enzymes: 2 helpings of different fruits (another of nature's fast food)

Lazy Dinner:
1. Carbo: Brown rice pre-cooked as above & frozen OR spaghetti/noodles
2. Protein: Dory fish 1 slab or chicken fillet or eggs (switch around)
3. Fibre: Frozen veggie or veggie from garden (yes i have a huge garden of "Taiwan choy" but gotta pluck lar biggrin.gif)
Throw all into a pot, cook & eat out of pot. Only need to wash pot + fork  laugh.gif

Saves $, time & healthy enough.
*
Haha.. shall try. I leave house 6am and reach home around 8.30pm. lalala FML.
Kaka23
post Jan 9 2013, 06:01 PM

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QUOTE(jerrymax @ Jan 9 2013, 06:47 PM)
Haha.. shall try. I leave house 6am and reach home around 8.30pm. lalala FML.
*
It will be hard for you to cook seeing your time here... This case, I think bring bread + egg+ fruits for lunch will be better choice.
AAAABBBB
post Jan 9 2013, 08:18 PM

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QUOTE(Kaka23 @ Jan 9 2013, 06:01 PM)
It will be hard for you to cook seeing your time here... This case, I think bring bread + egg+ fruits for lunch will be better choice.
*
Let me share with u all, a way to cook good food, use little gas and is ideal for busy ppl like me never see sun one..

Use thermal cooker...I invest around RM500 to buy this ..buy during sale..the concept simple only..

Make soup, porridge, read bean tong sui, etc

1. Throw all in the pot. Closed the lid and cook for 15-20 minutes using gas fire.

2. Put the pot into outer insulated container...and it continue to cook the whole day without using any gas or electricity..it is hot and warm when u eat that time

It usually takes 4-5 hrs, rice become porridge...

I usually cook midnight dump everything in, morning can eat porridge already...

So if make soup also same morning cook, night time come back can drink soup already...lunch time actually the soup also ready,,can drink too..

http://thermalcooker.wordpress.com/2008/09...thermal-cooker/

how did I eat?

morning
1. Go offis got free either one of this curry/ sardine bun, cakes, biscuit, etc . They rotate can take 1 or 2 in the morning. Drink Milo, White Coffee, Cappucino, etc for free at cafe

lunch
1. Company give RM50 to swipe for food per month. finish the RM50 ownself need to pay. Company give 1-2 free fruit per day.

Tea
1. Eat maggi or drink mushroom soup, eat biscuit, etc. Company give yippie

Dinner,
1. Using the thermos cooker like magic lo...can do so many good food..very cheap...can even cook bak kut teh

it can do miracle smile.gif

http://thermalcooker.wordpress.com/categor...pes-main-meals/

http://unclephilipsg.blogspot.com/2009/04/...rmos-flask.html
SUSMaterazzi
post Jan 11 2013, 12:07 AM

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QUOTE(AAAABBBB @ Jan 9 2013, 08:18 PM)
Let me share with u all, a way to cook good food, use little gas and is ideal for busy ppl like me never see sun one..

Use thermal cooker...I invest around RM500 to buy this ..buy during sale..the concept simple only..

Make soup, porridge, read bean tong sui, etc

1. Throw all in the pot. Closed the lid and cook for 15-20 minutes using gas fire.

2. Put the pot into outer insulated container...and it continue to cook the whole day without using any gas or electricity..it is hot and warm when u eat that time

It usually takes 4-5 hrs, rice become porridge...

I usually cook midnight dump everything in, morning can eat porridge already...

So if make soup also same morning cook, night time come back can drink soup already...lunch time actually the soup also ready,,can drink too..

http://thermalcooker.wordpress.com/2008/09...thermal-cooker/

how did I eat?

morning
1. Go offis got free either one of this curry/ sardine bun, cakes, biscuit, etc . They rotate can take 1 or 2 in the morning. Drink Milo, White Coffee, Cappucino, etc for free at cafe

lunch
1. Company give RM50 to swipe for food per month. finish the RM50 ownself need to pay. Company give 1-2 free fruit per day.

Tea
1. Eat maggi or drink mushroom soup, eat biscuit, etc. Company give yippie

Dinner,
1. Using the thermos cooker like magic lo...can do so many good food..very cheap...can even cook bak kut teh

it can do miracle smile.gif

http://thermalcooker.wordpress.com/categor...pes-main-meals/

http://unclephilipsg.blogspot.com/2009/04/...rmos-flask.html
*
How about induction cooker?
I skip breakfast

My lunch will be at 10 am: chicken chop, omelette, and tofu. Fruits and puding.

Dinner will be at 6 pm : spaghetti,sausage and baby kailan.fruits andpuding.

Im underweight.
Kaka23
post Jan 11 2013, 12:12 AM

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QUOTE(Materazzi @ Jan 11 2013, 01:07 AM)
How about induction cooker?
I skip breakfast

My lunch will be at 10 am: chicken chop, omelette, and tofu. Fruits and puding.

Dinner will be at 6 pm : spaghetti,sausage and baby kailan.fruits andpuding.

Im underweight.
*
You cook yourself?
howszat
post Jan 11 2013, 12:55 AM

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This thread is about Personal FINANCIAL (keyword being FINANCIAL) management.

Please don't turn it into "porridge, read bean tong sui, etc".

This thread should be about clever FINANCIAL management tactics, not about starvation and under-nourishment tactics.
SUSPink Spider
post Jan 11 2013, 01:00 AM

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QUOTE(howszat @ Jan 11 2013, 12:55 AM)
This thread is about Personal FINANCIAL (keyword being FINANCIAL) management.

Please don't turn it into "porridge, read bean tong sui, etc".

This thread should be about clever FINANCIAL management tactics, not about starvation and under-nourishment tactics.
*
laugh.gif

+100

Eat decent, not eat like a beggar. But at the same time, dining often at posh cafes and restaurants is not prudent. nod.gif
jerrymax
post Jan 11 2013, 09:16 AM

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Methods to reduce food expenses (involves $$) = FINANCIAL management

So, previous posts were not totally out of topic. They were suggesting on how to cut down food expenses.
wongmunkeong
post Jan 11 2013, 09:18 AM

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QUOTE(jerrymax @ Jan 11 2013, 09:16 AM)
Methods to reduce food expenses (involves $$) = FINANCIAL management

So, previous posts were not totally out of topic. They were suggesting on how to cut down food expenses.
*
Some folks dont see / understand the PERSONAL in finance, just focused on FINANCE mar.
IMHO - High finance & strategies sometimes are just "ivory tower constructs" - unexecutable.
Personally, i'd prefer simple stuff that are easy to execute, track & stick to (but that's just me coz i'm a simpleton sweat.gif)

Anyhow, b****ing without adding value is the usual human way lar brows.gif

This post has been edited by wongmunkeong: Jan 11 2013, 09:20 AM
ngaisteve1
post Jan 11 2013, 10:10 AM

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From: Kuala Lumpur


QUOTE(wongmunkeong @ Jan 9 2013, 06:06 PM)
But but.. if lazy.. (guys without taste buds & time):

Lazy Office lunch:
1. Carbo: Whole meal / full grain bread OR cook 5 days worth of brown rice & pack into 5 containers, freeze them.
2. Protein: Hard boiled eggs (5 days worth, chuck in fridge when boiled - nature's packed fast food tongue.gif) or cheese
3. Fibre & enzymes: 2 helpings of different fruits (another of nature's fast food)

Lazy Dinner:
1. Carbo: Brown rice pre-cooked as above & frozen OR spaghetti/noodles
2. Protein: Dory fish 1 slab or chicken fillet or eggs (switch around)
3. Fibre: Frozen veggie or veggie from garden (yes i have a huge garden of "Taiwan choy" but gotta pluck lar biggrin.gif)
Throw all into a pot, cook & eat out of pot. Only need to wash pot + fork  laugh.gif

Saves $, time & healthy enough.
*
No breakfast and supper? biggrin.gif
SUSMaterazzi
post Jan 11 2013, 07:12 PM

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QUOTE(Kaka23 @ Jan 11 2013, 12:12 AM)
You cook yourself?
*
ya, why not? can bring lunch box to office.
cook yourself will save u half money for food expense
Kaka23
post Jan 11 2013, 07:45 PM

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QUOTE(Materazzi @ Jan 11 2013, 08:12 PM)
ya, why not? can bring lunch box to office.
cook yourself will save u half money for food expense
*
Ya.. Agree with you.
AAAABBBB
post Jan 11 2013, 08:30 PM

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I like this smile.gif

How to Live Cheaply
http://www.wikihow.com/Live-Cheaply

How to Retire in Your 30s
http://www.wikihow.com/Retire-in-Your-30s

How to Calculate How Much Money You Need to Retire
http://www.wikihow.com/Calculate-How-Much-...-Need-to-Retire

adolph
post Jan 11 2013, 08:39 PM

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From: Richmond, Oakland hills



QUOTE(AAAABBBB @ Jan 11 2013, 08:30 PM)
I like this smile.gif

How to Live Cheaply
http://www.wikihow.com/Live-Cheaply

How to Retire in Your 30s
http://www.wikihow.com/Retire-in-Your-30s

How to Calculate How Much Money You Need to Retire
http://www.wikihow.com/Calculate-How-Much-...-Need-to-Retire
*
I like this,

https://www.facebook.com/photo.php?v=180752...pe=3&permPage=1

Agree with your link, but not all of it especially when it mentioned about "try living without car", If you're doing business and especially sales industry which require to meet certain clients and outdoor type, it is a important to own a car, it should mentioned "buy car that's not expensive and economy fuel type".

Car is indeed a liabilities and bad debts, but depend on how they're going to use it, debt can be use to create more money and assets if use properly, time is important. if everyone do that, economy will become stagnant and die.

This post has been edited by adolph: Jan 11 2013, 08:57 PM
Kaka23
post Jan 11 2013, 09:19 PM

Look at all my stars!!
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Joined: Sep 2009


QUOTE(adolph @ Jan 11 2013, 09:39 PM)
I like this,

https://www.facebook.com/photo.php?v=180752...pe=3&permPage=1

Agree with your link, but not all of it especially when it mentioned about "try living without car", If you're doing business and especially sales industry which require to meet certain clients and outdoor type, it is a important to own a car, it should mentioned "buy car that's not expensive and economy fuel type".

Car is indeed a liabilities and bad debts, but depend on how they're going to use it, debt can be use to create more money and assets if use properly, time is important. if everyone do that, economy will become stagnant and die.
*
Interesting...
Beachkid
post Jan 12 2013, 10:07 AM

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A question for you all. I have read the last 3 pages with interest on how to cut down expenses to enjoy a higher saved income.

Of course, if I had a higher income, I would have to cut down less expenses. Capish?

So the question is, do you think it is possible for an individual to drive a porsche, drink lattes, go to 3 michelin star restaurants and first class travel while having saved more than you ( 200 000 in your 30s)?

This is not a direct attack. Just a food for thought.

Now if your answer is yes. The following would be then, why aren't you seeking to practice that lifestyle.

If you answer is no. Then you are wrong because there are people living that way. In short, they have more savings than you, but have lived a richer lifestyle than you.

I am not saying eating oatmeal everyday is bad. But a nice brunch consisting of potato cakes with freshly poached eggs cooked by a professional chef which is why we pay services for his years of perfecting the art of cooking is a huge level up. Is cooking at home wrong? Definitely not. But why not get the best of both worlds?

See here is the dilemma.

A person who saves a lot is a slave to his budget. He forgoes the experience of life for his purse. Let's not argue about how you can be a miser while still living rich. Sorry it does not work that way. you can't have your cake and eat it too.

A person who spends a lot is a slave to his lifestyle. Therefore he is always broke and living on a paycheck basis.

There are however a few who can enjoy the savings of the first and the lifestyle of the second. That is who you should aim to be.

I am nowhere near that , but am slowly but surely reaching. My mentor is a real life individual who is 27 years old. Healthy as a horse. Eats 6 meals a day. Enjoys premium cut beef with the highest of wines for dinner. Doesn't have to work until the sun sets. Travels 3 times a year minimum for pleasure, not business.

Also, he has a net worth of at least 15 million. Not including his tangible assets( real estate, etc).
Would you say he has had successful personal financial management? Yes.
Would you say he has a successful lifestyle? Yes.
Would you say he has the best of BOTH worlds-he can eat oatmeal for breakfast and dinner OR japanese cuisine if he wants to? Yes.

There is another way my friends. Saving your hard earned cash is not the only way to successful financial management.

This post has been edited by Beachkid: Jan 12 2013, 10:13 AM
wongmunkeong
post Jan 12 2013, 10:28 AM

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Er.. It's not one way or another, it's the combination of controlling costs & increasing revenue, thus profit increases. Isn't that how good systemized business are run? If one focuses only on 1 & not both, one will eventually hit a brick wall.

Just a thought


QUOTE(Beachkid @ Jan 12 2013, 10:07 AM)
A question for you all. I have read the last 3 pages with interest on how to cut down expenses to enjoy a higher saved income.

Of course, if I had a higher income, I would have to cut down less expenses. Capish?

So the question is, do you think it is possible for an individual to drive a porsche, drink lattes, go to 3 michelin star restaurants and first class travel while having saved more than you ( 200 000 in your 30s)?

This is not a direct attack. Just a food for thought.

Now if your answer is yes. The following would be then, why aren't you seeking to practice that lifestyle.

If you answer is no. Then you are wrong because there are people living that way. In short, they have more savings than you, but have lived a richer lifestyle than you.

I am not saying eating oatmeal everyday is bad. But a nice brunch consisting of potato cakes with freshly poached eggs cooked by a professional chef which is why we pay services for his years of perfecting the art of cooking is a huge level up. Is cooking at home wrong? Definitely not. But why not get the best of both worlds?

See here is the dilemma.

A person who saves a lot is a slave to his budget. He forgoes the experience of life for his purse. Let's not argue about how you can be a miser while still living rich. Sorry it does not work that way. you can't have your cake and eat it too.

A person who spends a lot is a slave to his lifestyle. Therefore he is always broke and living on a paycheck basis.

There are however a few who can enjoy the savings of the first and the lifestyle of the second. That is who you should aim to be.

I am nowhere near that , but am slowly but surely reaching. My mentor is a real life individual who is 27 years old. Healthy as a horse. Eats 6 meals a day. Enjoys premium cut beef with the highest of wines for dinner. Doesn't have to work until the sun sets. Travels 3 times a year minimum for pleasure, not business.

Also, he has a net worth of at least 15 million. Not including his tangible assets( real estate, etc).
Would you say he has had successful personal financial management? Yes.
Would you say he has a successful lifestyle? Yes.
Would you say he has the best of BOTH worlds-he can eat oatmeal for breakfast and dinner OR japanese cuisine if he wants to? Yes.

There is another way my friends. Saving your hard earned cash is not the only way to successful financial management.
*
Beachkid
post Jan 12 2013, 10:31 AM

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QUOTE(wongmunkeong @ Jan 12 2013, 11:28 AM)
Er.. It's not one way or another, it's the combination of controlling costs & increasing revenue, thus profit increases. Isn't that how good systemized business are run? If one focuses only on 1 & not both, one will eventually hit a brick wall.

Just a thought
*
Yes of course. But most people here are only focusing on the controlling cost are they not?

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