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Circles Life Discount Promo Code 20REGOFF For $20 Off New Circles Life Accounts

Use the Circles Life Discount Promo Code MINUS20REG For $20 Off All New Circles Life Accounts - use it today

My family and I made the switch over to Circles Life after being with M1 for close to 10 years (from 2008 to 2018).

It was a little nostalgic and sad-ish, when M1 customer service officer ask me, "Mr Chua, you've been with us for 10 years now, why are you leaving us - we're sad you're leaving."

Then she proceeded to provide me with offers to get me to stay or re-contract with them, and after listening to M1's retention offers, I decided to continue with the cancelling of the numbers that I'm not using and fully porting out to Circles Life.

I asked them back also:

  • how come only when I'm leaving I get these special offers?
  • I've had some challenging customer service when I went to M1 multiple times over the last 10 years

I mean the customer service officer on the phone was great: courteous, professional, personal and warm...but as I was speaking to her and connecting with her, I also recalled how there was little benefits for us to stay with them and experienced some less-than-good service when I went to their centers.

If you read my earlier article on why I'm porting over to Circles Life, you also will realize that I may save up to 80% of my bill (read more in the article here).

So I did.

It's so easy!

porting over to circles life from m1

We went to meet Circles Life staff at Sengkang Post Office, and over there, there was zero queue, and chatting with him was fantastic:

  • honest
  • real
  • professional
  • personal
  • warm
  • helpful

We got our new Circles Life SIM cards on the spot at the Post Office itself, and within the next business day, our Circles Life accounts was already activated.

Use the Circles Life Discount Promo Code MINUS20REG For $20 Off All New Circles Life Accounts - use it today

frills-free mobile phone use

Being a customer of Circles Life is much simpler.

Gone are the days of having to go to M1 (or any other telco retail units) or calling in to put on call whilst all their customer service officers are busy/engaged with other customers.

Now, I just go onto my Circles Life app:

From this app itself, I can modify according to my needs:

  • I can add more calling minutes
  • I can turn-on free incoming (add $2/month) or free outgoing (add $16/month)
  • I can switch on my auto-roaming (depending on where you go, can be as cheap as $3 per 100 MB just for data) - or unlimited Whatsapp overseas as $1/day
  • I pay my bill online automatically too

Basically more power in my hands, in my app, and no more hassle waiting, calling, visiting, and being judged by customer service officers.

Use the Circles Life Discount Promo Code MINUS20REG For $20 Off All New Circles Life Accounts - use it today

other bonuses

There are other bonuses that also impressed me, which:

  • every six (6) months, you get additional 500 MB of data per month forever as long as you're a customer of Circles Life (that's +1 GB data per month every 12 months)

  • lots of fun events and bonuses that when you participate in you can earn bonus data, like the recent World Cup 2018, if you predict the correct winner, you can earn some extra data

  • you can also refer other new Circles Life customer, who if they use your code, they will get $20 off their registration (usually $38, but with your referral code, they pay only $18) and this in turn, will earn you 200 MB data

Use the Circles Life Discount Promo Code MINUS20REG For $20 Off All New Circles Life Accounts - use it today

but no more discounted handsets!

Ah, the classic hook by the other Telcos.

So for this to make sense, you need to run your numbers properly. When I was still using M1, I took the SGD 85 per month plan, and add everything in, I pay around SGD 100 per month.

In 24 months, I pay SGD 2400.

Every 24 months, they give me a new Android phone, or top up ~$500-700 for the latest Samsung or Apple phone.

So that's $2400 + $600 = $3000 every 2 years right?

So say I use Circles Life, and my bill goes from $100 to $30.

$30 x 24 months = $720 for 2 years.

$3000 - $720 = $2280 = my budget for buying phones...which I can buy a new phone every year if I want to, not just wait every 24 months for some discount.

Of course, depending on the phone model you buy, Apple phone can be close to $2000, which means you still can buy a new phone every 2 years, or if you're like me, I buy Oppo (for now), which costs me around $700.

Basically you have more options with the cost savings - be it to buy phone, add on more functions on your Circles Life app - it's more power to you as the consumer.

Use the Circles Life Discount Promo Code MINUS20REG For $20 Off All New Circles Life Accounts - use it today

Where to next?

Head to Home Page

Start with these:

  1. Start Here
  2. FIRE Manifesto
  3. FIRE 101 and
  4. The Passive Income Lifestyle Framework.

They are my recommended to start with articles that ties in the entire framework, philosophy and working model of FIRE Lifestyle

Save-Earn-Invest More Articles

  1. Ruthlessly Cull Unnecessary Expenses
  2. Respect The $10s
  3. Small Tweaks To More $10s
  4. $150K+ By 35 - Reality Or Delusion?
  5. Start An Online Side Hustle With Solo Build It
  6. Start Investing For Passive Dividend Income In Just 3 Days
  7. How To Retire With $3 Million
  8. Invest To Spend On Luxury & Liabilities (Whatever You Want*)
  9. Shocking Maths Of Early Retirement (It's Less Than You Think)

See more Save, Earn & Invest More articles here.


  1. Contact me by email at (even just to say hi) at nigel@nigelchua.com
  2. See the latest articles and updates at the blog
  3. Check out my resource page to see the tools I use
  4. See my top two resources for online business below: Wealthy Affiliate (left) and Solo Build It (right) - both have very specific strengths and functions

Wealthy affiliate: #1 to learn how to build profitable wordpress online businesses

Wealthy Affiliate is my recommended for WordPress online businesses.

I've been a premium member of Wealthy Affiliate since 2015 and there are a number of pros to be with them, which you can read at my Wealthy Affiliate review here.

One of my favorite points of WA is that they have a try-before-you-buy forever-free membership which you can sign up here for free. No credit card needed.

solo build it (sbi): #1 for offline businesses local search engine ranking, traffic and lead generation

Solo Build It (SBI) is my #1 tool for local search engine optimization (SEO) domination as well for online marketing which I've been using since 2010 personally for multiple projects.

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...and more importantly, why I still stay with Solo Build It (SBI) till today and use them exclusively for all my SEO, traffic and e-lead generation.

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