Spending Report – Jan and Feb 2017

I am very late on publishing this spending report. I even thought about discontinuing it, but listening to Liz from Frugalwoods yesterday on choosefi podcast inspired me to keep tracking my expenses. Before listening to the podcast and completing my last year’s spending, I told myself that I don’t need to track my expenses every month. I know what I’m spending on. At the same time, listening to Liz gave me this boost of energy and self realization that I need some accountability in order to achieve my goal of financial independence. Publishing this keeps me accountable. Perhaps, I will discontinue […]

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How to sell your wedding dress online

I wrote about tips on buying your wedding gown online here. I bought my gown more than 70 percent off the original price and sold it for half the cost after I used it. There are many reasons to sell the gown aside from an extra income. Personally, I wouldn’t want to keep a fabulous garment in a closet. I would love to see the gown used by another bride again and pass the savings. I bought my gown for $436 including shipping. I sold it for $270. I spent $15.69 to ship it and $30 to list it at […]

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How travel keeps me humble

I was hit by a travel bug ever since I spent 6 months studying in the Netherlands. From then on, I made sure that I prioritize travel from my budget. Knowing different people from different backgrounds got me hook. It was not necessarily the place or the architecture or the drama or the food (ok maybe some food) that excites me when I travel. It’s the chance to glimpse a way of living that is totally unknown to me. Living abroad I was born and raise on another country before settling here in the pacific northwest. College gave me a […]

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Wedding Under 20K

After more than 6 months, I finally have the final cost of our wedding. In total, we spent $17,582.65. I was surprised in a good way when I saw the result. I’m almost certain that we spent more than $20K since we didn’t set aside a budget. Wait, we don’t have a budget? Yes, this is odd, especially since I blog about personal finance. I had my doubts too in the beginning, but I know us well enough. Frugality is ingrained for both of us as an individual. We (mostly he) don’t obsessed at looking at every line items. As […]

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Managing finances after marriage

My husband and I do not combine our finances. We do not have a prenuptial agreement. In theory all our assets and liability are owned by both of us. We had the same arrangement prior to our marriage when we were living together. It might change later on in life but I think it works for us, for now. To set the background, before we met, I already owned my first property. He bought his first property six months after we started dating. We lived separately and managed our own household independently. When we go out, we always split the […]

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2016 Spending Recap

I started tracking my monthly expenses on this blog, but stopped after September. As I mentioned here, there were days where I lose sight of the goal. This is why it is surprising to me that I actually spent less than the previous year. This included my wedding expenses that I paid for. In 2016, I spent a total of $44,162.13. Housing is 48% of my spending followed by wedding expenses. Without these, my spending is about $15K. My spending decrease by $3k from $47K to $44k. I didn’t start tracking my monthly spending since the beginning of 2016 and stopped […]

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Forming a habit of frugality

It has been a quiet end of 2016 for making money dance. In reality there were many changes that happened around that time. Lack of energy kicks in after a long day of work and this blog was neglected. At the same time, I started questioning the purpose of this blog. Fortunately, no major mishap happened around that time. To recap 2016, I got married, went on a honeymoon, traveled for work and took on a new role. I’m now managing a team of 12 and it is still growing. It took some time to get used to the ne […]

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Wedding on a budget: Cake and Cake Topper

We purchased our wedding cake through the same vendor that cater our wedding. We can opt to pay a fee and purchased the cake somewhere else but chose to buy it from the same vendor to minimize the logistic of transporting the cake. I did not hire a wedding planner and I don’t want to coordinate anything during the day of the wedding. Our cake cost $372.50. I chose to purchase a 2 tier wedding cake to cut and a sheet cake to serve the guests. To save, I purchased a sheet cake instead of a 4 tier wedding cake. It […]

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Checking Account Coupon Codes

I received a coupon code from chase, giving me an extra $300 dollars if I open a checking account. It looks too good to be true so I carefully read the fine print. Please, if you do receive one like this, read the fine print. There are very few banks that do not charge service fee, and chances are you’re signing up for one. Here’s the cost associated with opening a checking account: 1. I need to sign up for direct deposit – cost $0 2. I need to keep the account open for 6 months. At an interest rate of […]

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9 tips for buying a wedding dress online

According to this article, the average cost of a wedding dress is $1,259. Additional alterations can run from $200 – $400. I couldn’t justify the cost of buying a new gown, because I know that it will only be worn for a day. Instead, I bought my dress online and saved so much, not just with the dress but with the alterations. It took some time and a lot of research, but I ultimately found the dress. This will not work for all, especially if you’re set with a specific style, but if you keep an open mind, buying a […]

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