Search found 205 matches

by singvestor
Fri Feb 23, 2024 2:40 am
Forum: ERE Journals
Topic: Frugaldoc's journal
Replies: 46
Views: 4786

Re: Frugaldoc's journal

Am living in Spain right now, as always in the winter of recent years. Pretty much a perfect place in my opinion. I prefer renting a house whenever I do need one - rather easy and there is no hassle dealing with the bureaucracy. You could always rent first and then buy once you build up local knowle...
by singvestor
Thu Feb 08, 2024 3:55 pm
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 153
Views: 43603

Re: Fingeek's Journal

Wow, things have really been accelerating, congrats!
by singvestor
Sun Jan 21, 2024 2:37 pm
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 788
Views: 227154

Re: DutchGirl's journal

I can recommend Gennaro Contaldo's recipes - lot of them are on YouTube. Very simple and an easy way to increase the cooking reportoire. If you can eat spicy food, I can recommend the Thai curry pastes from the Asian supermarket, like this one: https://www.tjinstoko.eu/en/cock-brand-massaman-curry-p...
by singvestor
Sun Jan 21, 2024 2:29 pm
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Re: Singvestor’s retirement lifestyle test run

Thank you Delay, I pondered over your post a lot, great points

Dutch girl, your powerful deduction and analysis made me laugh and your tip about continuously improving after the trial year is spot on
by singvestor
Sun Jan 14, 2024 2:58 pm
Forum: ERE Journals
Topic: Frugal chicos journal - ERE in The Basque Country
Replies: 756
Views: 164780

Re: Frugal chicos journal - ERE in The Basque Country

It is nice to see when a plan comes together. At this point the numbers are beyond bullet proof. What are your plans for withdrawing from the portfolio, esp. with regards to the capital gains taxes?
by singvestor
Sun Jan 14, 2024 4:32 am
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Full year update 2023

2023 was the first full year of working at the startup. The last time I earned that small a salary was in 2009. Development of yearly net income after tax: https://www.singvestor.com/ere/2023-FY-development-income.png On the bright side, I have been building a nice chunk of equity in the startup. Th...
by singvestor
Sun Jan 14, 2024 4:24 am
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Re: Singvestor’s retirement lifestyle test run

Thanks, delay and fingeek! To cover my current spending level I would need another €300k, but I believe if I needed to retire I could live much cheaper. With regards to the Airbnbs, I was lucky that I had an empty family property which I could use as a base camp in Germany. In the months that I have...
by singvestor
Thu Jan 04, 2024 3:25 pm
Forum: ERE Journals
Topic: Lightfruit55's Journal
Replies: 137
Views: 24042

Re: Lightfruit55's Journal

"g*lf" made me laugh. All the best for 2024!
by singvestor
Wed Jan 03, 2024 2:03 pm
Forum: ERE Journals
Topic: Star*Bucks ERE Journal
Replies: 345
Views: 109409

Re: Star*Bucks ERE Journal

Impressive progress, growth of your investment has been speeding up quickly in recent time. Sub 2.5% WR - I'd say you made it!
by singvestor
Thu Oct 26, 2023 3:11 pm
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Quarterly update - Q3, 2023

Another quarter is over… Here are terrible numbers: Q3 2023 : Overview Salary: €8,014 + Other income: €1,973 + Dividends received (before tax): €2,563 = Total income: €12,549 Expenses: €12,655 Savings: €5,546 (came from cash buffer which had built up before) I spent way too much money and only could...
by singvestor
Sun Jul 30, 2023 2:29 pm
Forum: ERE Journals
Topic: Fingeek's Journal
Replies: 153
Views: 43603

Re: Fingeek's Journal

Congrats, LeanFI unlocked! I am curious what will happen next!
by singvestor
Mon Jul 24, 2023 1:24 am
Forum: ERE Journals
Topic: DutchGirl's journal
Replies: 788
Views: 227154

Re: DutchGirl's journal

A friend of mine was always extremely exhausted in the afternoon, it went on for over 15 years. After wearing the fitbit one night and afterwards being successfully forced into the sleep apnae test by the wife (I sense a pattern here) he started using the CPAP machine which has changed his life comp...
by singvestor
Sun Jul 23, 2023 10:57 am
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Re: Singvestor’s retirement lifestyle test run

When it comes to the pressure to conform, I feel that most people are so busy with their own lives that they do not care what others do. People often pressure themselves though. Sg has a bit of a Kiasu culture, but it seems it is changing with the newer generations? Despite having mostly local frien...
by singvestor
Fri Jul 21, 2023 10:09 am
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Update Q2, 2023

Yet another quarter has zipped past. Here is the overview: Salary: €10,854 + Other income: €1,955 + Dividends received (before tax): €3,083 = Total income: €15,932 Expenses: €8,528 Savings: €8,527 (Partly from my cash buffer that I created before quitting the corporate job) Saving rate: 51% Current ...
by singvestor
Thu Apr 27, 2023 3:40 pm
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Re: Singvestor’s retirement lifestyle test run

Thank you, meursault! I think in terms of hours I work the same or more in the startup than in Megacorp, but the work is not evenly spaced out. Some weeks I work 60 hours, some 20. In Megacorp I had 7-8 meetings most days, now only one or two, so I can do more real work or learn stuff. So far no hed...
by singvestor
Tue Apr 11, 2023 9:48 am
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Re: Singvestor’s retirement lifestyle test run

Good point actually!

Looking at the Euro-SGD Exchange rate over the last 20 years, I am glad I kept quite a bit of holdings in SGD. I am not so optimistic in Europe's future and having a bit of SGD (tied to USD) feels like a good protection. But then my portfolio is a bit of a mess :)
by singvestor
Tue Apr 11, 2023 2:20 am
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Re: Singvestor’s retirement lifestyle test run

Hi Lightfruit, I lived in Singapore for over 12 years and also did parts of my studies there at NUS. When I started my old journal I was still in Sg. Singapore to date is the country I lived in the longest and probably the only place I ever felt naturally at home. A large chunk of my investments is ...
by singvestor
Mon Apr 10, 2023 8:57 am
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Update Q1, 2023

The second quarter of my “retirement test drive” is over and it worked quite well. I lived in Southern Spain for a bit, did not have to set foot in an office and most importantly: I managed to live cheaply. In fact, my expenses were much lower these three months and I could live on the equivalent of...
by singvestor
Sun Jan 22, 2023 12:59 pm
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Re: Singvestor’s retirement lifestyle test run

Thanks Jiimmy!
by singvestor
Sun Jan 22, 2023 5:48 am
Forum: ERE Journals
Topic: Singvestor’s retirement lifestyle test run
Replies: 24
Views: 4100

Full year review 2022

2022 was wild, I finally quit my job at Megacorp and joined a startup. My plan was to let the portfolio coast and treat this as a retirement test run. Close to 5 months later, the new life feels great – I am typing this from a Southern European Apartment, overlooking the sea. Corporate life as I use...