Skip to main content

Body maintenance

Your body needs maintenance. 

You can work and grind hard at your job

BUT, you must always take some time to maintain your body. 

Else you will have to pay for it in future. If it can be fixed, you pay for it with $ and suffering while it’s being fixed

If it cannot be fixed, you pay for it in perpetuity suffering, and also $ to find and find solutions 

Always exercise. Strength training, stretches to keep joints nimble, runs and walks to keep heart strong

Always watch what you eat. Ensure you have sufficient protein, fruits, etc. eat your greens, drink milk. Take vitamins, they are really cheap these days. Just pop a multivitamin a day. That’s costs like $0.30 per pill. Don’t be stingy. It’s cheaper than your useless Starbucks coffee.

Always take time to clean your teeth. Brush them properly, use good paste and brush, then floss properly. If you can afford it, get a good electric toothbrush, it will do wonders for your dental health. You won’t want to lose your teeth before 60. That would be a horrible way to live, imagine not be able to eat what you want when you actually retire and have money and time. Find a good dentist and listen to him or her. Do your 6 monthly scaling and cleaning at the dentist. 

Always watch your weight. Get a decent modern scale that measures many things and tracks it on your phone. 

Always invest in decent sports wear. Socks, shoes, shirts and shorts. They don’t have to be top end. There’s online sales, there’s decathlon. 

Always go for your annual health screening

All these may seem unimportant compared to your tasks at your job, your meetings and your bonuses. But trust me, they are bloody important.

Remember also, inflation. It means medical treatment will just get more and more expensive as you grow old. Don’t inflate your body issues with it. You won’t be able to afford it comfortably.


I am retired at 50 now. I did some of the above and and paying a price. Fortunately most can be fixed - and I am working and focusing on them now, given that I have time and some money. I got lucky. Don’t depend on luck please.



Comments

Post a Comment

Popular posts from this blog

Expenses of a middle-classy Singapore uncle with family

I don't know what exactly is considered middle-class in SG, but I figured its the fat range in the middle section if we were to line people up based on income. There will be a steep drop off from the bottom 5% and a steep surge from the top 5, and another galactic surge from the top 1%. Uncle is pretty sure I am in that middle chunk of 90%, and based on my estimation, should be in the front 30 percentile in this chunk. Now, this is how my expenses look like for myself (excluding what my wife contributes). The numbers are on per month and in SGD Car expenses (loan, insurance, maintenance, tax, fuel) = $2,500 Insurance premiums = $800 Utilities bill = $350 Mobile lines for 5 = $90 Home internet line = $30 Services (Netflix, Spotify, iCloud) = $60 Condo maintenance fees = $350 Property tax = $250 Groceries and take out meals = $1200 Allowance for my parent = $1000 Allowance for kiddos = $200 School fees for kiddos = $150 Tuition fees = $270 Piano, and music classes = $900 Sub-Total fo...
Post a Comment
Read more

The joy of freedom

As a parent with young school going children, you want to be there for them all the time, being available when they need help, guidance, company etc. You also want to not miss major milestones, achievements, celebrations as they grow up.  This by itself is a luxury that not many parent can afford in Singapore. With most families having both parents working full time, what happens to their kids? When they are very very young (below school age), there's full day childcare, either with professionals or with extended family help. When they start going to school (primary, secondary), there's after school student care options, or someone could be at home (a grandparent), or a live-in domestic helper, or maybe even just the kids will be home alone after school and before parents leave office.  Then when you finally got vacation leave approved, maybe for 7-10 days a stretch, you plan efficiently for your family overseas trip, squeezing as much itinerary as you can possibly afford to, ...
Post a Comment
Read more

Getting comfortable without a salary from working

 Not sure if I am there yet. Basically I am effectively drawing down my cash each month, primarily due to 2 things : mortgage and income tax mortgage (after CPF) is about $9k per month income tax is about $5k per month My investment cashflow covers all my other expenses, including utilities, groceries, handphone/internet bills, insurance, property taxes, condo maintenance fees, personal spending. With some input from wife who is still working, I am still out of pocket by almost $11k per month.  She will continue to be able to save a decent sum per month and I'll let her grow that and managed it for her via safe investments. Am I comfortable? Not really. I will if I am not out of pocket per month. If I really stop working for good, the income tax amount will go to $0 after 2025. So only mortgage left We can pay off the mortgage but I think I said before, it doesn't make sense since it's our home and we will be locking the money up with little leeway to do other things. So I ...
Post a Comment
Read more