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This is a MS Excel based calculator that helps you gauge the difference it would make to your wealth, with debt-recycling and without debt-recycling. Debt-recycling is a concept wherein, you recycle existing non-tax-deductible debt into tax-deductible debt. Debt recycling is not about increasing your debt instead it is about harnessing the tax advantages provided by …

The last blog post on our networth update was in Feb 2021. Its been a while between drinks therefore here is the latest update. I do not track visitors and/or repeat visitors to this blog therefore I do not know if this blog has any repeat visitors. Assuming the worst case scenario that is there …

It’s been a while since my first post on our Networth, so decided to write up an update post. Before I delve into networth index, lets re-cap what is networth and how is it calculated. Networth is sum of your assets (excluding debts) at any given point in time. Networth = Total value of assets …

Plenti

Plenti (previously called RateSetter) is a peer-to-peer lending platform. They will IPO sometime in the near future and if you are already a Plenti customer then you would have already received an IPO  prospectus. This blog post does not intend to analyse Plenti’s IPO and/or value the IPO at all. This blog post is  purely …

Networth

I have visited Aussie FIRE bug few times and it is quite generous of him/her to have documented their journey building their networth. If you have not visited Aussie FIRE bug, please do yourselves a favour and visit. It is a treasure trove of information. They started their journey in Jan 2011 and as of …

When I received my first pay in a proper office day job, I realised how unprepared I was in managing my own finances. Until we both started working and earning a decent wage, we were living a very modest lifestyle and watching every cent we spend because we had to make do with whatever we …

Managing Finances

Managing Finances

No one teaches you how to manage your finances, not in school or at university. Some parents do try to teach their kids about managing their personal finances but majority don’t. So when an individual starts earning money at 16, 18 or 22 years of age, they are overwhelmed by the in-flow of cash and …

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