Adopting the mindset of a millionaire (1)

The list:

  1. Change the way you view money
  2. Expand your knowledge
  3. Improve your vocabulary
  4. Reduce your liabilities
  5. Increase your assets
  6. Live on less but focus on quality
  7. Know what you are saving for
  8. Have multiple streams of income

The Strategy

Change the way you view money

Money needs to flow…

Words of love and desire

It’s in the way he looks at me, the way he caresses my skin and kisses my both sets of lips

I wasn’t meant to be there
But there was a bet, and I cared
Tick tock, went the clock; ready to leave
Until I looked across the room, and couldn’t believe
What my…


Doing F.I.R.E., budgeting hard and looking for ways to be effective and maximise the use of time. Without hiring help, and living off fast food take aways, how can one buy more time?

When making time to focus on multiple streams of income, one needs to reduce the time spent on necessary but that can be delegated tasks. And while the delegation would include paying for the service, there are many other ways to get the extra help without breaking the bank every…


From 9–5er to millionaire, Jamie Chua has reached F.I. before 40 — If you’re doing F.I.R.E. there’s a thing or two you can learn with Jamie, and if you are a fashion lover there’s a lot to be learned from her Hermès collection.

To keep things simple, I have rounded up or down as necessary, also this article does not constitute financial advice, always do your own research before spending your pennies.

Some know her as one of the largest Hermès collectors based in Singapore, some as the fashionista that wows the fashion…


If you are doing F.I.R.E. you already know that the key to financial independence is to save hard and invest even harder, so what happens when you love style and fashion?

If you have started your F.I.R.E. programme the first goal is to clear all debt, minimise spending and start building an emergency savings account to cover at least six months of expenses. To ease the first step, you need to focus on increasing your salary, and analyse your shopping habits…


How to spend it: Maison Francis Kurkdjian

Everyone wants to make tons of money, wear jeans and t-shirt, and run a business by the beach. But what happens when you are not by the beach, or wearing jeans and a t-shirt?

Aside from exercising, meditating, sleeping, and bathing in goat’s milk, how are you planning to smell…


From the expensive products I would love to try, to starting F.I.R.E. in 2022; how does one save, budget and focuses on skincare without breaking the bank?

I won’t list out every single box I kept, just the ones that would break the bank on a normal day.

When I bought the advent calendar, I had an idea of what I would be getting, in terms of the brands I knew. While I didn’t know the days…


Back in October 2021, I acquired a beauty advent calendar from Space NK, 24 days filled with 30 beauty products. It was exciting and thrilling to share, until it was only special in private. How did the experience truly make me feel?

It was my first time buying a non-chocolate advent calendar, exciting and felt quite mature.

Felt like I was receiving a box with candy for grown-ups.

To be honest I am somewhat of a late bloomer, face skin beauty routines started when I turned thirty, previously me time consisted solely…


Cliché? Maybe. It is more than just a simple goodbye, and a bright hello. There comes a time when you realise that the chapter you are closing, is complete and while you are carrying desires and wishes onto the next year, you accept that everything has its own timing.

Dear diary readers,

2021 was full, full of excitement, stress, and fear. Confusion and even optimism. Despite a global pandemic, natural disasters, and a handful of government bodies that have not been clear or forthcoming, 2021 was and is ending as a year full of hope.

It truly is more…


For anyone planning and working towards financial independence, it’s key to learn about the people you want to trade bank accounts with. Of course you and I, will never know what is sitting on the off shore tax free accounts of these individuals, but we may be able to learn a thing or two about business which could potentially open our eyes to ways to succeed while doing F.I.R.E.

Imagine being 59 years of age with an estimated net worth of $7 billion?

They do say if you must dream, you better dream big.

Imagine being so rich that you name your children after you, so that their name is known before they enter any important room?

Ladies and…

LiWithoutE 🍫

Not a seasoned writer, just a human doing this thing called life. *** My motto: Filling up my cup, so I can overflow into yours

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