Your income level and expenses is similar to where an established engineer is at in australia after accounting for taxes and exchange rates. So while it is above the average level. It is very very useful to hear from an individual in the same age group with similar income levels. You are building your path to snowball for the decade to come and this video has been helpful for me to financially plan and consider options of what to do in SG in the future perhaps
huge respect for the sacrifices you've made, and the value you've created- btw when you mentioned you like to stay at home and watch other channels, same here. I'm really in love with this guy called Kelvin learns investing, he's so amazing 😍
Love ur frugal mindset. Started following ur channel because was searching for credit cards. The first video i watched was the best no minimum spend for everyday spend 2 in 1 . As for the money diaries maybe can find another way of documenting. Ps u are honest and sincere in youtube ❤
Hi Demi san, I always enjoy watching your videos and learn a lot! And what you share with us is not only tips of money. It’s your thought, mindset, mentally for life. I really respect your choices, success and yes, you can proud of it! Your income streams were made by you 😉 just wanted to tell you about it. Thank you for your detail sharing and I will continue to be a fan of you ❤
massive respect for u and your success! I enjoy the money diaries even tho I earn a lot less but its good inspiration :) but if u dont wanna do it, dont do it. Thanks for keeping it real
I was about to start my personal finance journey and recently started watching you about 2 weeks ago. Your content has definitely contributed some ideas into my finance plans. Thank you very much and all the best for your future content!
I really want to keep watching, but I hope you could continue time to time if possible! Just a curious question if you able to explain what is the possible work experience so far now u at 28 and what is the current average salary for yr role [if you could also let us kw the role position like senior and industry before) just starting out as a male very late and earning ver Low monthly.... hoping to grow like u!!
tx for ur informative videos! btw out of curiosity - as a self-employed content creator, do you have to register yourself for income tax purposes? is that also how you get to apply for new credit cards by showing ur income statement and to fulfill the salary credit requirements to achieve certain bonuses? appreciate ur advice!
@@DemiZhuang tx for sharing. i've left the corporate life for a couple of yrs now and have been learning about investments. without any official salary income, my challenge is not being able to apply for new attractive credit cards as well as maximize certain bonuses which require monthly salary credit. :(
🥹 sounds like there are many of you who enjoy this series still! It'll still continue in this format till the end of the year. Thereafter, I'm thinking of a few angles to try out so I still share tools and my money mindsets~ Lets see! I'll keep trying so do leave me feedback when you have any :)
I like these , but I as well enjoy home time its not abnormal to like being home , maybe you can do a series on buying a home and DIY fixing it up that be cool
@@DemiZhuang I hear ya on that, paying cash for one is definitely the way to go or do extra payments when you do decided to get your own one day , no mortgage is the goal, 35 come faster than you think lol
Sorry I don't understand what you're trying to say 😕 HSBC points can be transferred over to a few partners - milelion.com/2024/04/19/finally-hsbc-points-pooling-to-be-added-from-may-2024/
I'm thinking of starting my journey into the US stock market. My current portfolio are SGX only, which is DBS & OCBC. Is QQQ (or QQQM) a good investment? In this way, I'm diversifying into non-finanical sectors.
Hi! Love your videos. Can I check with you if you would reccommend investing in VOO via syfe broker or Moo Moo? As you mentioned that Moo Moo has the reinvestment option for the dividends, however in a previous video you metioned you were DCAing on the syfe broker. Does Syfe also have the reinvestment option for dividends as well? Thank you!
Hi Demi, I came across your channel a year ++ ago while I was living in France. I remember using your excel sheet ! Now that I'm in Singapore, the algorithm brought me to your channel. Will drop you an email soon for consultation.
Hey Demi, i think your story as a content creator and your mindset is really inspiring! Just keep doing what makes you happy :) i enjoyed this just as much as other month's diaries ❤
Hi, I have just followed you. :) Great series! When you mentioned "income", do you have a day job as an employee, or do you earn from other forms of personal income? Thanks for sharing!
yup that's right. I haven't got around to getting a place of my own. I'm assuming you aren't Singaporean. Most of us live with our parents until we get married.
I Like your channel as you provide very clear details and your are very transparent in your finance. I happened to see that you received a dividend from moo moo account. Do you know how to track dividends in moo moo? I find it hand to navigate and always find it hard to know how much was received and from which counter. Thank you Demi for all the videos!
I'm self employed. I pay taxes but don't contribute to my CPF monthly like how salaried employees do. I can voluntarily do top ups if I want to + the mandatory Medisave contributions!
@@DemiZhuang thanks for sharing! Perhaps can consider sharing such money diaries less regularly - maybe half yearly or yearly as updates so you don't get too bored with making so many of the same vids
@@DemiZhuangi have yet to receive the miles and annual fees payment since I fulfilled the amount spend in Aug. How long do you wait after getting the card?
I'll still be posting content! haha as for the money diaries series I might change things up a little! Stay tuned :) Thank you for being here on this journey together with me! 🥰
I believe there are many spenders /saver profiles like you, and so it gave a good reference on how to grow wealth. Do whatever you like to share 😊, wealth is very personal and I salute you for willing to share transparently with the public...❤
I love how organized and authentic you are. Keep going & do what you feel best & passionate about !
Your income level and expenses is similar to where an established engineer is at in australia after accounting for taxes and exchange rates. So while it is above the average level. It is very very useful to hear from an individual in the same age group with similar income levels. You are building your path to snowball for the decade to come and this video has been helpful for me to financially plan and consider options of what to do in SG in the future perhaps
huge respect for the sacrifices you've made, and the value you've created- btw when you mentioned you like to stay at home and watch other channels, same here. I'm really in love with this guy called Kelvin learns investing, he's so amazing 😍
Love ur frugal mindset. Started following ur channel because was searching for credit cards. The first video i watched was the best no minimum spend for everyday spend 2 in 1 .
As for the money diaries maybe can find another way of documenting.
Ps u are honest and sincere in youtube ❤
Thank youuu!!! 🙆🏻♀️
Uve got crazy good content that’s not snobbish technical. On an alternative note, would be interesting how u manage your time! Another sort of asset😂
Please continue the series. We enjoy it a lot ❤🎉
Hi Demi san, I always enjoy watching your videos and learn a lot! And what you share with us is not only tips of money. It’s your thought, mindset, mentally for life. I really respect your choices, success and yes, you can proud of it! Your income streams were made by you 😉 just wanted to tell you about it. Thank you for your detail sharing and I will continue to be a fan of you ❤
🥲 Hello!! Thank you so much for letting me know, it really keeps me going 🥰 I'm going to continue doing what I do!!
Agree, it's too time consuming, tracking own finances, especially when cash is involved and other people.
Pls don’t stop. Personally I learn much from you. 👍
you can change agent within the same insurance company or to agents working for those companies that can sell multiple brands
love the wisdom shared by you, human nature to always keep comparing!
i came here from your other video.. not disappointed!
massive respect for u and your success! I enjoy the money diaries even tho I earn a lot less but its good inspiration :) but if u dont wanna do it, dont do it. Thanks for keeping it real
🥹 Thank you for this comment!! Really appreciate you guys for going on this journey together with me!
So decrease in stock (if any) is not included in money diary ?
I don't recognise any investment gains or losses until I sold the stock.
Keep those videos coming . I enjoy all your videos.
🥹 More to come~ Thank you for following along on this journey!
don't stop please, u can reduce. I haven't even started following your journey! 😞
I was about to start my personal finance journey and recently started watching you about 2 weeks ago. Your content has definitely contributed some ideas into my finance plans. Thank you very much and all the best for your future content!
You got this!!! :)
I really want to keep watching, but I hope you could continue time to time if possible! Just a curious question if you able to explain what is the possible work experience so far now u at 28 and what is the current average salary for yr role [if you could also let us kw the role position like senior and industry before) just starting out as a male very late and earning ver Low monthly.... hoping to grow like u!!
Not the end to this series!! Keep following along! Ooo thank you for the suggestion :) I'll do this in a video.
@@DemiZhuang Hi Just wondering to ask do you still use another platform to buy VOO & QQQ? What are the platforms u use currently other than MooMoo?
Nooooo I love the money diaries series 😢 Motivates me to keep doing it monthly
tx for ur informative videos! btw out of curiosity - as a self-employed content creator, do you have to register yourself for income tax purposes? is that also how you get to apply for new credit cards by showing ur income statement and to fulfill the salary credit requirements to achieve certain bonuses? appreciate ur advice!
I just declare in my taxes as business income. For credit cards i think reference my previous income statements
@@DemiZhuang tx for sharing. i've left the corporate life for a couple of yrs now and have been learning about investments. without any official salary income, my challenge is not being able to apply for new attractive credit cards as well as maximize certain bonuses which require monthly salary credit. :(
I like the money diaries. What would you want to do next?
🥹 sounds like there are many of you who enjoy this series still! It'll still continue in this format till the end of the year. Thereafter, I'm thinking of a few angles to try out so I still share tools and my money mindsets~ Lets see! I'll keep trying so do leave me feedback when you have any :)
How to go about the RUclips affiliate program?
I like these , but I as well enjoy home time its not abnormal to like being home , maybe you can do a series on buying a home and DIY fixing it up that be cool
Wow haha I'm still saving up for it. Singapore's private housing is expensive 🥹 unless I wait till I'm 35 to buy a HDB
@@DemiZhuang I hear ya on that, paying cash for one is definitely the way to go or do extra payments when you do decided to get your own one day , no mortgage is the goal, 35 come faster than you think lol
After adding miles to kris flyer we can add it to HSBC card too? Is there any airline only for HSBC flight mile accumulation?
Sorry I don't understand what you're trying to say 😕 HSBC points can be transferred over to a few partners - milelion.com/2024/04/19/finally-hsbc-points-pooling-to-be-added-from-may-2024/
@DemiZhuang my apologies as I'm not very savy on such but thanks to your sharing now I'm trying to read up a bit more! =)
To earn US dollar $500/month return on dividend, how much pricinple you need to invest in dividend? Thanks.
assuming an average dividend yield of 5% across your portfolio, here is the formula 500USD*12=USD6,000. Your capital 6,000USD/0.05=120,000USD
Hi, as a content creator do you mind sharing how you manage your CPF? Do you ownself top up, or youtube does it for you? Or you just leave it be?
I do the mandatory Medisave top up only.
Use the time you'll be saving from not having to document your Money Diaries anymore, to growing your income even further instead :)
Nice insight and breakdown 👍🏼
I'm thinking of starting my journey into the US stock market.
My current portfolio are SGX only, which is DBS & OCBC.
Is QQQ (or QQQM) a good investment?
In this way, I'm diversifying into non-finanical sectors.
To add on, any reason you're buying qqq instead of those on the Ireland exchange that has lower withholding tax?
@@staryusg any recommended platform to buy CSPX for Singaporean?
I think this video power leh.
Hi! Love your videos. Can I check with you if you would reccommend investing in VOO via syfe broker or Moo Moo? As you mentioned that Moo Moo has the reinvestment option for the dividends, however in a previous video you metioned you were DCAing on the syfe broker.
Does Syfe also have the reinvestment option for dividends as well? Thank you!
Moomoo because you can opt in for the Dividend reinvestment plan. Syfe doesn't have this!
Fantastic effort especially with the savings! Jiayou :)
Hi Demi, I came across your channel a year ++ ago while I was living in France. I remember using your excel sheet ! Now that I'm in Singapore, the algorithm brought me to your channel. Will drop you an email soon for consultation.
Where does the bulk of your income comes from?
RUclips affiliates?
yup
how to invest and get dividends can u share via a video? also how much do we pay to the platform for fees.
Covered in this video here - ruclips.net/video/nEx_OX4toJk/видео.html
Hey Demi, i think your story as a content creator and your mindset is really inspiring! Just keep doing what makes you happy :) i enjoyed this just as much as other month's diaries ❤
Ahh thank youuu for leaving this comment 🥹 More content to come, I reallyy appreciate you guys here! 🥰
Great video …
Hi, I have just followed you. :) Great series! When you mentioned "income", do you have a day job as an employee, or do you earn from other forms of personal income? Thanks for sharing!
From RUclips!
Sad to hear…but with your clarity on what you want and have achieved, definitely on the right track and inspiring for many out there. All the best!
🥹 More alternative content to come!! Thank you for this comment and for following along on this journey!
Sharing too much personal information may not really be a good idea. Hopefully it has not affected you in any way.
So true..some enjoy Ferrari while some are happy just to drive a 70s Beetle with windows wind down😁
No longer park money in moomoo mmf?
My promo ended le! Waiting for the next one for existing users.
@@DemiZhuanghow do u manage those money while waiting for the next opportunity? Like where do you park them?
Hey demi, were you at ‘the aldephi’ this month? I thought it was you but i might be wrong
Yess!! Haha my hair salon is there~ Say hi next time :)
😆 i will! What is your hair salon's name?
I guessed you don't have to pay for utilities..... Mortgage.....rentals.... Etc. lucky gal
yup that's right. I haven't got around to getting a place of my own. I'm assuming you aren't Singaporean. Most of us live with our parents until we get married.
I Like your channel as you provide very clear details and your are very transparent in your finance. I happened to see that you received a dividend from moo moo account. Do you know how to track dividends in moo moo? I find it hand to navigate and always find it hard to know how much was received and from which counter. Thank you Demi for all the videos!
Hello! Thank you for this!! :) anw you can go under Accounts > All > Fund details
@@DemiZhuang Thank you! You are amazing! I had been looking for it but fail all the time until today! 😊
yes stop the money diaries, do what you need to do
haha after the end of this year~ a new format will come!
Just surprise how you manage to have salary credit as you are self employed
Uob one allows paynow and indicate as salary.
New to the channel - how do you account for cpf contributions?
I'm self employed. I pay taxes but don't contribute to my CPF monthly like how salaried employees do. I can voluntarily do top ups if I want to + the mandatory Medisave contributions!
@@DemiZhuang thanks for sharing! Perhaps can consider sharing such money diaries less regularly - maybe half yearly or yearly as updates so you don't get too bored with making so many of the same vids
Hi Demi, getting the HSBC T1 card and simply paying the annual fees yearly to collect the miles, is it worth it?
yess 30K miles for $196 is pretty alright imo
@@DemiZhuangi have yet to receive the miles and annual fees payment since I fulfilled the amount spend in Aug. How long do you wait after getting the card?
@@jsloh6077 I got it a bit after paying the annual fee! maybe you could contact CS in app.
@@DemiZhuangI might be wrong but I think it has dropped to 20k miles
@@stephenip9667 Yep
Personally I think there are not enough videos from you IMHO. 😅
🫣 I'll try and go back to 2 uploads a week soon
so sad.. u are so real maybe can consider doing other content n not stop doingggg what u love! keep up the passion!
I'll still be posting content! haha as for the money diaries series I might change things up a little! Stay tuned :) Thank you for being here on this journey together with me! 🥰
I believe there are many spenders /saver profiles like you, and so it gave a good reference on how to grow wealth. Do whatever you like to share 😊, wealth is very personal and I salute you for willing to share transparently with the public...❤
Thank youuu 🥹🙆🏻♀️
👍
好美的桌子