divine blessings from the sky
Ah, “Divine Blessings”. The buzzword that’s been circulating around the internet the last week and developed into a local meme. Local gossips and public opinions aside, this mentality (used moderately, of course) can be good! Gratitude for what you have is one of the cornerstones for which you build on […]

Divine Blessings – How Do I Get Some of That?

is bitcoin legal in brunei
Over the time I’ve posted articles about Bitcoin, we’ve been on a rollercoaster ride in price action! Near the end of 2017 saw it reaching around USD20,000 only to plummet to around USD10,000 recently. For those of you not used to this ride, welcome to the Wild West Life of Cryptocurrency! […]

Is Bitcoin Legal in Brunei? – AMBD’s Response

fan of ang pao with $100 note
First of all, Happy Chinese New Year to all my readers who celebrate! 16th February 2018 brings forth the Year of the Dog; ushering qualities such as loyalty and intelligence. But let’s leave these talk about prosperity and love life with other zodiacs to Feng Shui masters. When I was […]

Ang Pao – Thoughts From Receiver to Becoming a Giver

cheap dating ideas in the clouds
With Valentine’s day a week from now, many couples are looking for activities to do together in Brunei. While not widely celebrated in Brunei, I believe people are generally looking for cheap dating ideas. Personally, my wife and I do not celebrate the 14th of February simply because we see […]

Cheap Dating Ideas for Couples in Brunei

little guys mining bitcoin 2
A while after I posted about Bitcoins in Brunei, I’ve received some questions about mining bitcoin. I’ve personally been interested in mining bitcoin before that but never actually started. One of the reasons for this is the actual startup capital needed to do it is no small value; hardware costs are […]

Mining Bitcoin in Brunei – Is it Profitable?

freedom through financial independence 2
Whenever I talk about retiring, I always envisioned it hand-in-hand with financial independence. Surely the thought of not having any more income when you stop working would be cause for worry, right? That is why I don’t see myself retiring until this very important criterion of self-sustenance is satisfied. While […]

Financial Independence – Building and Living a Dream

retirement on the beach
Lately I’ve been thinking about life. Particularly now; it’s all about going to work and becoming financially secure but is that all there is? Sure, I have my hobbies, this blog and social life. But how sustainable is this lifestyle? As you’ve guessed from the post title, I’m talking about […]

Retirement: Are you ready for it?

receive and use your bonus for financial future
For a majority of employees, especially those employed as civil servants, there is a bonus paid out at the end of the year. This is considered a “13th month pay” in some countries because you’re basically paid an extra month’s salary. Depending on your pay grade, the amount given is […]

Effectively Use Your Bonus to Improve Financial Health

selling your bitcoin for USD
When I posted my article about buying Bitcoins last time, I got numerous questions asking about selling them instead. Truth be told, all the gains you have when putting your funds in Bitcoin are only worth as much profit on paper. You can only lock in those profits when you […]

Selling your Bitcoin – Things to Consider

Bitcoin in Brunei 14
A while ago, I started getting into Bitcoin. This was when it was starting to really break into the mainstream. And while getting into it, I had to actively stop kicking myself for being naïve back in 2011 when a friend tried to introduce me to Bitcoin. Regardless, there was […]

Bitcoin in Brunei – What is it and How to ...

trip to kota kinabalu sunglasses on the beach 2
Greetings, Savey Readers! I’m very sorry for the lack of writing over the past few weeks. I’ve been swamped both professionally and personally; but now I’ve cleared up time to get back on track to churn out more articles. This particular post will be more laid-back, not too much facts; […]

Long Awaited Travel – Trip to Kota Kinabalu!

cheap wedding at the beach
Weddings are never known for being small events; nor are they cheap. Whenever there’s a wedding worth talking about that’s not celebrity calibre, it’s usually about how expensive it was, how grand it was and how good the food was. Actually it’s more memorable if the food was bad, so […]

Cheap Wedding Ideas: How Frugal Will You Go?

wedding budget picture of rings on a love sign 4
OMG! He (or she) just popped the magic question and you said yes! You’re feeling butterflies in the stomach and looking at the world through rose-tinted glasses. Soon, the excitement of looking at dresses, suits, ballrooms and whatnot fall back to one thing: money. And how much you have! Now […]

Wedding Budget Tips: Planning For What You Need

criminal record image of stacks of files
A criminal record is usually a mark of shame for any party. It could be due to a small lapse in judgment when they were young or a deliberate action. Regardless, having this record means one thing: a criminal act was committed and legal punishment were met. This article was […]

What’s the Price of a Criminal Record?

housing fund scheme image of a modern kitchen with TAP logo 6
So you’ve read my post about whether you should buy or rent your home and decided, “Hey, I want my own place! YOLO!” Next comes the part where you research more into buying a house. That’s when you realise that there’s a lot of money that has to go into this […]

Housing Fund Scheme to Achieve Your Dream House

bank accounts image of european central bank in frankfurt 2
A bank account is considered a necessity for our normal financial transactions. I’ve also talked about using separate bank accounts for your savings strategy a while ago. Sure, you can keep your hard earned money under your mattress or inside a biscuit tin. But if an unfortunate event were to […]

Brunei Bank Accounts Comparison: Savings and Current

JAPEM image of adult index finger touching child index finger 4
Every time I write an article, I make two simple assumptions: First is that You, my dear reader, understand English. And secondly, you are at a point of life where you can adequately support yourself financially. The biggest flaw of this assumption is also just as simple. That is not everyone […]

JAPEM – Assistance for the Less Fortunate

image of credit cards in the back pocket of denim jeans
Ah, credit cards. The symbol of wealth in movies, freedom in shopping and bringer of unimaginable debt. Exaggerations aside, credit cards are excellent financial tools if used correctly. There are usually many nice benefits attached to them as banks want to attract customers to sign up. This includes being able […]

Credit Cards – Tips for Effective Use