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Old 21-04-2013, 07:11 PM
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Quote:
Originally Posted by Workerbee View Post
I have a feeling that many who are posting here are male, so here's my contribution:

Female, late twenties
Actual working exp, <<1 year! 2 years Masters, 2 years self-employed + spouse to a studying hubby

Decided to return to the workforce (admin in education line)

~88K per year total includ bonuses + profits from very, VERY small side income stream.

Basic pay = very low, but 9 to 5.30pm job, lots of flexible benefits. Great location, working env and amazing colleagues + boss.

Current Savings: 40+K

I personally feel that we're quite lucky for a young couple. We only have a housing loan which we aim to pay off in 3 years (HDB flat) and have no wedding, renovation or study debt. We don't have a car at present but are coping with public transport.

It may be a surprise to many but our standard of living is very high simply because we don't crave for branded goods, expensive holidays or gourmet meals. We are simple people and we're really happy every day because we are not saddled with debt. Some of my high-salaried pals have so much debt they can barely save 500 a month, but I can save at least 2-3K a month.

I guess it all boils down to living within your means. If we keep comparing, we'll never be satisfied or happy. My husband earns way less than bankers or traders, but I don't need him to because we're already so contented. I rather he be healthy, fit and have time to spend with me than be overweight, haggard and spending his nights in the office.
Wow, that is really good for your age and experience.
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