Couple Talk: EC or Resale

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I've dated my partner for close to 5 years. I always joke that I gave him my youth (that's true). 5 years is a long time. I also joked about how if we're fortunate enough, we would already have a baby (好命的话,我的baby可能1岁咯). Unfortunately, we have been sorely unsuccessful in getting a flat. I probably am more anxious than him because I feel like I've an expiry date, and my biological clock is … [Read more...]

CIMB Fixed Deposit at >1.2% p.a

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Just applied for the CIMB FD at 1.2% for 6 months with $20k. I have been thinking if I should apply for this or park my money into shares. Guess I'm not that stocks-savvy to take the plunge. Regardless, this FD will earn me an interest of around $120. With my BOC Smartsaver max out at $60k, this 1.2% interest is slightly better than me leaving the remaining money in my Fastsaver. Will … [Read more...]

Money Saving tip: Don’t throw away your mandarin orange peels!

Happy Lunar New Year! With mandarin oranges being one of the core items that you bring along for house visiting, I'm sure you'd have at least a pair of oranges in your house. Other than eating it, how about making the full use of this amazing fruit by saving the peels? It's environmentally and pocket ($) friendly. FYI, these works well for any citrus peels :) Here's what you can do with … [Read more...]

Unexpected review of 2016: hitting $200k in net worth

As we countdown to 2017, I was reflecting on my 2016. 2016 was an average year. Nothing exciting to shout about and nothing major happened.... Until I started to browse through my blog and reviewed my financial portfolios. As I browsed through my blog, I looked back at the little things that happened. I got engaged, got a shock from my health screening results which turned out to be nothing bad … [Read more...]

5 Last minute Practical Christmas Gift ideas – Below $30

It's just one week to Xmas! No wonder the crowd at Orchard yesterday. There were full of people at Takashimaya, ION looking for gifts....or are they impractical ones? Every Christmas, we fret over what to gift to friends, colleagues and families. I, as a self-proclaimed ultra practical person will never buy gifts that are impractical. I'll SMH and feel disappointed when I received impractical … [Read more...]

Damn those wisdom teeth

I've a total of 4 wisdom tooth that has yet been extracted. People say that if you dont feel aches, there's no need to remove those tooth. But, I've been having toothache on my lower right molar area. I knew my 4 wisdom tooth were growing in weird directions during my x-rays years ago. The dentist said that she could not remove them as they're still growing and it is possible that my tooth … [Read more...]

4 lottery winners who lost it all

I like the caption below: With the Powerball jackpot soaring to $415 million, it’s important to remember that money doesn’t solve life’s problems. In fact, many people’s lives took a turn for the worse, and they managed to lose all the money. What would I do if I strike the lottery? 1. Keep quiet This might be hard to do considering that I like to share my joy. But, I'd like to keep my … [Read more...]

It’s not just about PSLE. It’s about our society’s attitude on Grades

As I trawl through the comments, people were sharing their PSLE scores along with how and what they're doing now. Some are doing well, and some are still finding their way out in life. Now here's my story. I grew up in a vicious environment. A vicious environment perpetuated by bitchy relatives who compare my results EVERY SINGLE TIME. I hated them for their endless comparison and in turn … [Read more...]

There’s no need to conform to norms

I probably come across as a frugal lady from my previous posts. I don't spend incessantly, don't crave for much, nor chase for the latest fashion or makeup. But, I've my shares of impulse purchases. And this purchase which I'm taking about, makes me regret every time I think about/sees it. And, it's not even my money. My engagement ring I don't think I've shared this story before, but my … [Read more...]

The things I look forward to

It's mid Nov. How time flies. I remember celebrating Xmas in the office not long ago and exchanging gifts. It's going to be another Xmas soon. In the past 11 months, I don't think I've made much significant achievements. But as I squeeze my brain cells hard, I recalled achieving my goal of having $100k cash at 25. I recalled that I was proposed to, but hey, no progress in terms of … [Read more...]

The start after a break

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It's 1 Nov tomorrow. After a decent break from work, it's back to the grind. During my break, I had various thoughts: A) Quit this job - because I don't know what I'm learning - there's always so much shit to clear up and my bosses cannot lead - too much things on my plate and the bosses will always say they are giving me exposure - don't wish to stay till promotion because it could be at … [Read more...]

[Guide] How to deposit cash to parent’s CPF?

The thought of depositing cash into CPF struck me when I read some blogs on reducing tax reliefs and also earning the decent interest rates given by our government in the current low interest rates climate. Since then, I've been researching on the pros and cons of this move and concluded to transfer $7,000 cash into my mom's Retirement Account. Here's why: 1. To reduce my tax payable My … [Read more...]

Should credit card companies inform us on the statement cycle during card activation?

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I recently signed up for the HSBC credit card so that I could get the Samsonite luggage with my >$1k spend.   Let me just say that their application forms/page are not user friendly and their processing time was really long. I called the HSBC customer service to enquire when I'd receive the card, and they said mine was still in processing stage despite me making a few calls previously to … [Read more...]

Being low maintenance helps in saving $

I am a self-proclaimed low maintenance lady and I attribute this lifestyle and my personality of wanting to make my money worth (most of the times), to why I manage to save $100k at 25. I love browsing through famous instagramers' feed. From their immaculate makeup, fashionable outfits, to their pretty manicures, I'll also do a double tap. But, I've never bear to splash cash to be like them. … [Read more...]

Driving License. To get or not?

It's rather funny that I'm talking about this at this age, when most of my peers receive their licenses after "A" levels at 18. But, I've never been bothered to learn driving. Here are the reasons why: 1) My family has no car and the only one with a license is my dad Many of my peers have family car. They were used to being driven around by their parents, and learn about driving through … [Read more...]

DBS Visa Debit Card – 5% Cashback

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Good lobang must share. A few years ago, when I had no income, I live by my debits. Straight after being employed, I signed up for a few credit cards to milk some rebates. I've never paid much attention to debits offering rebates cause their rebates were so little, until now. DBS Visa Debit offers 5% cashback through Visa paywave, Apply Pay, Samsung Pay and Android Pay. The cashback is … [Read more...]

Hello BOC Smartsaver

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A little too late, or it's never too late? BOC Smartsaver has been around for some time now. I've heard of it when their promo came out, but kept to my OCBC 360 account. I did my sums previously and concluded that it was best for me to keep my money at OCBC. But I redid my sums recently after my brother reminded me about this account, and, DANG, the minimum interest rate I could get was at … [Read more...]

My tips on how I accumulated $100k before 28

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In my previous post, I talked about how I've hit my goal of saving $100k cash before 28. Here are some of my personal saving tips: Park your money in a high interest savings account I started off with POSB Kids Savings then switched to FRANK account in Uni and then to OCBC 360 after I started work. The interests offered by OCBC 360 is so far one of the best. 1.2% on salary crediting and 0.5% … [Read more...]

$100k before 28

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pic from google images Well, hi guys. I've been putting off this post for a few months because I want to be completely sure that after deducting my expenses, I indeed have that amount I've goaled. So here goes. I officially have $100k cash savings before 28. But to set things right, I've been saving since young. For the purpose of this post, I took out my POSB Kids Savings passbook … [Read more...]

Income Tax

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When you see this logo on your envelop, you know what it means ;) I always thought that income tax is a good thing - you tax almost everyone and people who earns more get tax more. It's one way of seeking equity. I still think income tax is a good thing. But now that I've started worked and is contributing to the tax, I kinda feel the pinch...especially when my income tax jumped … [Read more...]