The lull period is here and to be honest, I am happy to have a clean break.

Like having a day like today when I just wake up with no plans for the entire morning and afternoon. Enjoying some surfing, some mobile gaming like Clash Royale and then slowly writing this post.

Over the next couple of weeks, besides devoting some time to gear up for next year (student enrolment and curriculum planning), I plan to write a series to reflect on my twenties since I turned 30 half a year ago.

That should make for some epic reading (at least for me).

Enough digression. For October, our expenditure was a reasonable $3,650 even though we had a crab feast and even got some expensive concert tickets.

We have broken past $40,000 but with two months to go before the end of the year, there is a good chance we could stay …