3 Bad Habits You May Not Realise That Is Keeping You Broke | 40 Year Old Average Man Honest Opinion

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  • Опубліковано 9 лис 2024

КОМЕНТАРІ • 55

  • @thomasyeo3750
    @thomasyeo3750 26 днів тому +1

    Looking good Alvin!

  • @SamuelAndJoanne-r9h
    @SamuelAndJoanne-r9h 27 днів тому +1

    Can’t agree more about the doomscrolling. The thing about sales is that the content creators know they don’t have to persuade you to buy immediately. But just simply planting the idea about the products will eventually get the sales. Working against us are the algos that track watch time. The same ads and sellers will pop up sooner or later again to capture us 😂

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  27 днів тому

      Can’t agree more.
      And also now because I am helping live sellers pack their orders, the more I pack, the more I shake head.
      The sellers all nothing wrong all getting that “bread”, but man the buyers really no self control.
      Maybe I should do a video “expose” haha…
      Thanks for commenting!

  • @Pandasu77
    @Pandasu77 Місяць тому +1

    Love the realism on these vlogs bro, always nice to hear perspective and advice from someone who's lived and been through life and has more experience. Appreciate your views always

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      Appreciate you for commenting too!
      There is more as I delve deeper into my younger self what was the motivation back then to do the dumb stuff I did to get to where I am.
      Dumb? Sure.. regret? Not really because that’s life.
      To err is human, to forgive divine.
      I already forgive my self but will never forget.
      Thanks for commenting! Appreciate you!

  • @wubblex
    @wubblex Місяць тому +1

    And as a librarian I love the plug for Libby!

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      Haha had to. I don’t really know why no one is talking about this app too.
      This app is AMAZING!
      I downloaded Will Smith’a autobiography “Will”, and it’s freaking WILL SMITH voicing the audiobook!
      My god I love fresh prince of bel air and my fav actor is telling his story to me.
      Come on!
      Oops sorry sidetracked.
      Thanks for commenting! ❤

  • @vinslifestory
    @vinslifestory Місяць тому +2

    I think this is a good video for educational purposes. I do have bad habit no. 2 for sleeping late due to grinding points and items on Street fighter duel mobile game. I think i need to stop playing games during sleeping time. Social media like tik tok, Twitter or X and FB are the root cause of cyberbullying as well as wasting time and energy. So i stopped FB and X for more than 2 years. Thank you for your wonderful advice.

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому +1

      And I thank you for commenting and also your personal experiences for people to have some takeaway from.
      That doom scroll is not helping people sadly.
      I am still trying to get my wife to minimise the doom scrolling. Oh well.
      Thanks and appreciate you!

  • @ahmike89
    @ahmike89 Місяць тому +3

    Nice one Alvin. Thanks for those realistic advices.
    Personally I have quit FB and Instagram for more than 3 years, definitely feel calmer and more focused in doing things and conversation with people, it helped to reduce screen time for 7-8 hours to 1-2 hours a day. Basically, using the phone for WhatsApp, Bible, work stuff and some UA-cam educational videos such as cooking and finance stuffs.

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      Yes yes! Me too!
      When I scroll I usually do so with intent, Eg to source for my eBay reselling, and UA-cam to gain inspiration to do more videos alongside my own experience.
      Looking back at my own life, I did some incredibly stupid stuff that I hope all can have some eye rolling feelings and some takeaways from it.
      Oops said too much, stay tune to more down the line.
      Again I appreciate you!

  • @wanderfooltang3520
    @wanderfooltang3520 Місяць тому +2

    Some people buy out of boredom and depression

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      Totally. Due mostly also to following live sellers. Or KOLs.
      I have seen it first hand, KOLs they sell what, the people buy what.
      That is a topic to discuss down the road when possibly my audience is a little bigger.
      Thanks for commenting appreciate you!

  • @charleslee3081
    @charleslee3081 Місяць тому +1

    I fully agree with your 3 points, Alvin. Problem now is how to stop the kids from social media and doom scrolling. Any suggestions?

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому +1

      Hi Charles, that is a topic I may talk about but I may not have enough knowledge to provide the help to do a topic as I myself have no kids of my own to know the struggles of this.
      But I can tell you this, kids are born into social media, unlike us where we saw the change to social media from traditional media newspapers and magazines etc, and I believe correct me if I am wrong, to start off, maybe limit the time on the phones, tablets and computers at home would kind of help with this, because you can NEVER stop them from usinf social media, it’s just not possible.
      Also to possibly have 1 family day WITHOUT The use of computer for a certain period of time set by the family, not whole day just the day together.
      If the parents can show that it can be done, possibly the kids have to follow, and both parents and kids can change this habit together.
      Slow and steady to change will help is all I am saying. Difficult but from someone who has done it himself, I think it’s doable.
      Thanks for the question mate! Appreciate you!

  • @wubblex
    @wubblex Місяць тому +2

    Number 1 CC rule: Plan your credit cards around existing spend, not the other way round. 😆

  • @Mervc88
    @Mervc88 Місяць тому +1

    Which courier do you use to ship your eBay parcels to America?

  • @singaporediariesyt
    @singaporediariesyt Місяць тому +1

    Hi, I recently discovered your channel and somehow got hooked. The newer videos, in particular, are really interesting to watch, especially for getting a glimpse of how someone from Singapore thinks, lives, and what’s on their mind. I find topics like food and general lifestyle especially fascinating, so please more of those! :P
    On the topic of what keeps someone broke, my opinion is that everyone should track their monthly expenses, whether through an app or the old-school way with pen and paper. It’s super important to know where the money is going. Once you’ve done that, you can make adjustments. Usually, the biggest financial burdens are housing and cars. If possible, people should save as much as they can on these, or even completely avoid having a car (if feasible).
    There are also other areas where savings can be made, like asking yourself: do I really need my Disney+, Netflix, or Spotify subscriptions? Another good habit is planned grocery shopping-thinking about what you want to cook for the week and doing a single shopping trip for everything. Ahhhh, this topic is so interesting, and I’m really into it as well, including investing (because once you have more money saved, it’s important to invest it so it doesn’t lose value due to inflation-but that’s a topic for another time!).
    Thanks so much for your content, I’ll definitely keep watching. Also, I wanted to mention that I also live in Singapore and recently started a small channel where I share my life here. The style is definitely different from your videos, but feel free to check it out! I’d really appreciate it since I have zero reach right now, except for my girlfriend, who watches my videos, haha xD.
    Take care and see you around!

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      Hi hi! Had to read it a few times so that I can absorb what you said.
      It’s nothing you did wrong, it’s me I just have a short attention span when I read have to do it multiple times.
      I am humbled you took your precious time to comment and in such detail too.
      My humble tip, if you are based in Singapore, for your channel, to really grow I would urge you to do some videos that you are passionate about, and also searchable on the web. UA-cam is the 2nd largest search engine in the world, so bear that in mind. And if you are an expat, correct me if I’m wrong, you have an advantage as many Singaporeans and foreigners love comparisons… I also like to see what other people think of Singapore through the eyes of outsiders. If you catch my drift.
      All in all, takes time, and the watch time and subscriber count doesn’t grow in tandem.
      I also took time off from UA-cam to figure it out, 1 year in fact.
      So yes I am humbled you commented here, and appreciate you with your opinions. And I totally agree with all you said about expenses, savings and investments.
      Also, I plan to share more of my past 20years of “experiences” and it’s going to be wild as I plan the stories, both long and short videos.
      Thanks again,

  • @Yazooz830
    @Yazooz830 Місяць тому +5

    I'm not good in handling all the bills. Hence, i do not own a credits card except for my POSB debit card. The only credit card is a sub card from my wife to use paid for my petrol.

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому +1

      Damn that’s good that you really know what you have as in habits that can be reoccurring, that’s one way to stop it and do better.
      Appreciate you for sharing I also believe you don’t need credit cards and just debit cards also works better to be honest.
      To me credit cards is fine for now.
      But I am lately aware I am spending on stuff that I may be overspending on.
      That one need to do budget, as long as budget says you can spend, you are fine.
      Will need to do a video on this some time soon!
      Thanks for commenting!

  • @RegularGuy239
    @RegularGuy239 Місяць тому +1

    Yeah but u can always replace with another addictive habit unless you are conscious of it.

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      Addictive can be listening to podcast or reading books like I mention in the video.
      Addictive doesn’t mean it’s bad.
      Thanks for commenting I appreciate you!

  • @VirusKid
    @VirusKid Місяць тому +1

    Long form are valuable too! 👍

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому +1

      Ah had to read the comment again and yes you are right.
      Short form doesn’t make any sense to me anymore.
      It’s like reading a book, experiences need to be explained a little to truely understand a perspective.
      Thanks for commenting!

  • @shenlim7888
    @shenlim7888 Місяць тому +1

    Side question bro: what's the pay per hour like for parcel packing (agar agar) and need to commit minimum hours a week? Is it physically demanding?

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      You can try looking for lazada/Redmart or Shopee Mart pick and pack. they are all over jobsites. loads of it because they are always looking for people.
      I did Redmart one before this job.

  • @fanlie1576
    @fanlie1576 Місяць тому +1

    Managing multiple credit cards effectively requires a combination of knowledge, skills, strategy, discipline, and commitment. Having several credit cards can be advantageous if used correctly and wisely. Again, you need to be disciplined in your spending habits and avoid unnecessary purchases just to earn rewards or cashback. That's why sticking to a monthly budget is essential; it helps you track your expenses and maximize the usage of your credit cards. 😀

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому +1

      Budget! That is one that needs a shout out because it’s a must.
      And yes and no, I do agree is advantages if you know how to use them.
      But I realised I can live with less now, and you don’t need to have many credit cards to enjoy spending as long as the budget says otherwise.
      Like I mention in the video, more credit cards, more min spend in categories to hit. It’s that simple. But your budget allows it go ahead.
      Good tip! Thanks for commenting!

  • @kangkinkang
    @kangkinkang Місяць тому +1

    Avoid stupidity & use more common sense.

  • @Wazzit2ya
    @Wazzit2ya Місяць тому +1

    Do we really need a credit card?

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому +1

      Why not? As long as credit cards are paid off on time and no consumer debt, I believe it has its place. Just don’t own so many. That will hurt you.
      Appreciate you comment!

    • @RegularGuy239
      @RegularGuy239 Місяць тому +2

      How do you buy things online without one

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      @@RegularGuy239debit card
      Money straight away taken out for payment.
      Some do overspend if it’s not painfully taken out straight away.
      There is a comment around here is a good example.
      Thanks for your comment!

    • @RegularGuy239
      @RegularGuy239 Місяць тому +1

      But hard to recover money from debit card if there is fraud or wrongful deductions

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      @@RegularGuy239​​⁠not wrong there.
      Had my aunt who had this ordeal happen to her.
      I was sooo angry with her for doom scrolling and buy stuff that she didn’t need.
      And this happen.
      So again, all because of the bad habits I mention in the video.
      It has to happen to know what it feels like and hope many do buy stuff responsibly.

  • @bryansonlimx
    @bryansonlimx Місяць тому +1

    Finfluncers tend to give more practical and theoretical knowledge I guess... it's optimisation to the point where it becomes impractical.
    If you prefer reading to audiobooks, buying a Kobo eReader is a good way to minimise eye fatigue and keep your reading distraction free, while also being able to borrow ebooks from NLB!

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому +1

      When I first found out about the Libby app, my god that was a game changer for me mate! Everytime I find some book that I want to read, or stumble onto someone reading it on the bus or train, i immediately search it in the app, 8 out of 10 times it’s in there, for free!
      And thanks for the suggestion! Will find out more of this Kobo Reader!
      And yes, finfluencers all have their way of doing things, but it all boils down to habits.
      That I cannot stress enough enough.
      Thanks for the comment! Appreciate you!
      Ps: currently listening to “I Quit” by Annie Duke, all because of one lady reading it on the train!

    • @bryansonlimx
      @bryansonlimx Місяць тому +1

      ​@@ASingaporeChipmunk
      appreciate your content! TGIF Alvin! I'm just throwing out the Kobo recommendation as I realised you're wearing specs with Transitions lenses, so I inferred that you'd be concerned with eye health/protection.

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      @@bryansonlimx​​⁠lol.
      My eye ah…😂
      Really played to many many games closed up to the CRT TV trying to hide away from my parents that it spoil Liao the vision got scared don’t want to tell my parents,
      To the point it got so worse I also dunno how the whole thing ended with me with glasses. Have something to do with caning I guess.
      Transition has always been in my glasses. Habit cuz can’t do without them.
      And yes thanks again mate!

    • @theminimalisttrainer1288
      @theminimalisttrainer1288 Місяць тому +1

      ​@@ASingaporeChipmunk
      Mr Ong, I just download books illegally online.
      To save money, if NLB doesn't have, I just read downloaded PDF ones.
      That's how I save money.

    • @ASingaporeChipmunk
      @ASingaporeChipmunk  Місяць тому

      @@theminimalisttrainer1288 fair enough. thanks for commenting!

  • @leechew948
    @leechew948 Місяць тому

    I dont subscribe to Tiktok, Instagram or Facebook. Nor do I own any credit cards. I just use 1 debit card only.

  • @Phoboni
    @Phoboni Місяць тому +1

    First