Personal Finance

Articles relating to personal finance. Applicable to individuals and not requiring too much technicalities that encompass the financial industry.

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

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

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

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

man chase the money on a wheel 1
When you read articles and tips from successful people, one of their advice is usually “Don’t chase the money. Follow your passion and the money will follow!” Many times I, as a normal person without a million dollar enterprise, will scoff at these comments. “Easy for you to say, you’ve […]

Why You Should Chase the Money

contract bond image of a contract in padlock. 2
In my article last week, I talked about whether there was an intrinsic cost to education. Long story short, I think there is. I mentioned briefly that I had a contract bond to work for the Government similar to many other scholars. If I’m being honest, I have encountered many […]

Breaking Contract Bond: Is it Worth it?