The Hard Truth of Financial Freedom: Are We Willing to Pay the Price?

The Hard Truth of Financial Freedom

Many of us want to be rich, but most of us are not willing to pay the price of being rich Mr. Loo Cheng Chuan, founder of the 1M65 (1 Million by 65) movement, shared this hard truth at the Seedly Personal Finance Festival 2019. His message is also my key take away for my journey towards financial freedom.

Achieving financial freedom requires hard work and sacrifices

Mr. Loo Cheng Chuan shared his origin story about how he strived and worked hard to make his mark despite the setbacks from the financial crisis. It is an inspiring story because so much of today’s news is about how successful individuals make money from quick wins: starting and selling profitable businesses or investing in high risks instruments like cryptocurrency. We tend to forget that these are rare and exceptional cases and most of the time, to achieve financial freedom, hard work and sacrifice are required to pave the way.

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Hidden Gems in Woodlands: Admiralty Park & Woodlands Waterfront

Hidden Gems in Woodlands, www.everydaychooselove.com

Sometimes all it takes is a little adventure to discover a different side of the city. Beyond the popularity of Hort Park and Bukit Timah Nature Reserve, there are two hidden gems in the highly urbanised estate of Woodlands.

Mention Woodlands, and the typical reaction you get is “Wah! So near Malaysia!” Besides the usual association with traffic jams at the Causeway, most would also think of industrial buildings and HDB flats.

Seldom would one think of a view like this:

Admiralty Park Mangrove, everydaychooselove.com

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What I learnt from a month of the no spend challenge

What I Learnt From The No Spend Challenge, spending detox

I constantly struggle with frivolous spending, so I am starting the new year with a no spend detox: no spend challenge for the month of January! Aside from the essential necessities like groceries and food, I am not to spend on anything else, including things like clothes, cooking accessories, tech toys, etc.

It’s now three weeks past January and here’s what I learnt:

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