My 15 Hour Work Week

Semi Retirement Made Earlier & Easier

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Author: My 15 HWW

Expenses Update: September 2017
Expenses

Expenses Update: September 2017

Posted on October 3, 2017 by My 15 HWW

Even though we spent above $4,200 this month, I thought it was quite an impressive feat considering we made a couple of frivolous purchases like…

Useful Thought Experiment: Spending $15,000 In A Month
Expenses

Useful Thought Experiment: Spending $15,000 In A Month

Posted on September 26, 2017 by My 15 HWW

I think less than 10% of Singapore households spend above $15,000 in a month. In fact, from this piece of statistic, it seems that even…

Portfolio Update: September 2017
Assets

Portfolio Update: September 2017

Posted on September 19, 2017 by My 15 HWW

Even with the North Korean tensions escalating, the market remained somewhat flat during the past month. So I was pretty delighted to eke out some…

Being “Miserly” To The Mrs?
Philosophy

Being “Miserly” To The Mrs?

Posted on September 13, 2017 by My 15 HWW

I read SMOL’s post on the difference between frugal and miserly with quite a bit of interest. Not to mention the conversation it generated with…

Expenses Update: August 2017
Expenses

Expenses Update: August 2017

Posted on September 5, 2017 by My 15 HWW

We managed to set a new low for our expenses in August, spending less than $3,150 and after including this month’s expenditure, our average monthly expenditure…

A Thoughtful Teachers’ Day Gift
Philosophy

A Thoughtful Teachers’ Day Gift

Posted on September 2, 2017September 2, 2017 by My 15 HWW

Honestly, I did not expect any gifts from my students on this day. Well, to me, the irony is that any teacher that “expects” to…

Reflections On Optimisation And Benchmarking
Expenses

Reflections On Optimisation And Benchmarking

Posted on August 28, 2017 by My 15 HWW

On Optimisation “Huh? I have to eat Cai Peng everytime because it’s the most value-for money? What’s the point of retiring early then?” “What?! Manage…

Why I Would Refinance From HDB Concessionary Loan To POSB Home Loan
Assets

Why I Would Refinance From HDB Concessionary Loan To POSB Home Loan

Posted on August 22, 2017 by My 15 HWW

TL;DR: If I were still on the HDB Concessionary Loan for the mortgage of my flat, I would switch over to the POSB Home Loan…

Portfolio Update: August 2017
Assets

Portfolio Update: August 2017

Posted on August 17, 2017 by My 15 HWW

The market had a mini sneeze during the past couple of weeks and the 15HWW portfolio was not spared. The portfolio rose slightly by $1k…

Expenses Update: July 2017
Expenses

Expenses Update: July 2017

Posted on August 1, 2017 by My 15 HWW

We spent less than $3,400 in July and after including this month’s expenditure, our average monthly expenditure this year has been cut to around $4,420. Although we…

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My 15 Hour Work Week

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