May is the month where Ashton turned 6 months old. With Kate on her sabbatical, she is relishing every moment with our little ones before she heads back to work in a few months’ time. In a recent post, Kate detailed her thoughts on taking a sabbatical from work. On the personal expense front, we noticed her personal expenses went down by quite a bit during this period. At the same time, we have proven that we could survive very well as a one income family and that itself is quite a liberating feeling. Recently, I received a letter from DBS stating that the FHR9 rate has doubled from 0.25% to 0.50%. As our mortgage is tied to the FHR9 rate, we might be paying above 2% interest at the end of our 3 year fixed interest period somewhere at the start of 2021. This is still not yet a ......