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Maturing 2.02% endowment and 1.85% fixed deposits

I was running through my finances and realised there are some plans I purchased years ago that will mature very soon.

Honestly, I've no idea time could pass so quickly. Back then, hitting 2020 seems like a dream. Now that we are living 2020, it does feel like a dream - a scary dream since Jan 2020 where the world turned upside down.

I guess I need to thank myself for the "foresight" to purchase those plans back then. Who would have known that interest rate could have gone so low today?

On the other hand, maturing plans meant I've nowhere to park these money except my usual savings accounts where interest rates are slashed. That's something to ponder over 🤔

Here's my plans that are maturing:
FWD 2.02% Plan Back in 2017, I blogged about this plan. I'd be seeing the $927 interest in August!
CIMB 1.85% FD Majority of my money are placed in low-risk FD. 
I purchased the 1.85% FD plan back in Jul 2019. I then bought another 1.85% FD plan in Sep 2019
With $20k …
Recent posts

Earn cash from Google Pay before 31 Jul 2020

It's been long since I last got excited over "free" money.

The last was earning $350 by signing up Citibank cc via Singsaver months ago. The other was back in 2019 where I got a free staycation, but only via spending $400 offline!
This time round, just by signing up Google Pay, you'd get $5 cash into your paynow! Here's how:

Sign up for your Google Pay with my link hereYou'd be brought to the app store to download the Google Pay app or key in the referral code  6l6aa70Link your OCBC account to Google Pay (take note that only OCBC accounts are supported currently)To receive the $5 reward, make a minimum $10 transfer to any of your family or friends to get $5 reward! Simply get them to download the app and transfer you the money back and you'd get $5 for free! That's not all. By doing a minimum $10 peer-to-peer transfer, you'd stand to win up a scratch card worth up to $50!

You can also use Google Pay to do in-store Tap & Pay transaction to win t…

My unhealthy WFH lifestyle

WFH has been wrecking up my mental and physical health.

Here's how my day-day life looks like. Honestly, it's so predictable and standardised, I could type it down quickly.

Weekdays My day starts at 7.30am - 8.20am vs 7 - 7.15am ages ago when I've to report in office.  Brush teeth, don't even comb hair (if there's no zoom), don't even change clothes or bathe, and plonk myself in front of my laptop. Start work at 8.30am - saw most colleagues offline - most of them only starts at 9am, #win Frowning as I see the number of emails and follow-ups; trying to clear each obstacle at a time so I'd left with 0 email at end day. Work, work, work until sometimes I forgot about lunch time, until Hubby knocks on the door and ask me - Today eat what?

Lunch time Either dabao or cook some random unhealthy meals like maggie mee. Try to make it more healthy by adding broccoli.
No, I dont do meal preps. No, despite having this lifestyle for the past 2 months, I still don't …

My 8 sources to get $600 to $1,500 income each month

My goal by age 30 was to hit $1,000 passive income per month. Back when I set the goal, I was aiming targeting passive income from stocks alone.

But alas, given my inactive stocks monitoring and purchase, it's really tough to hit that passive income. It is impossible at this stage for me to hit that goal, but I'll still work towards it.
In any case, I'm 50% there....by counting in interest gained, rebates/cashback and dividends.
Since Jan 2020 to Apr 2020, I've been generating good returns. The breakdown is below. Jan$1,485.51Feb$658.06Mar$916.53Apr$789.94Total$3,850.04

What constitutes those returns you may ask? Taking March 2020 as an example, here's my frank sharing of the various sources of income: 1. Stock Dividends Showing the list of stocks I've in Mar 2020- yup, I'm heavy on REITS. Company NameSymbolSharesAmtCapitaR China TrSGX:AU8U5,000180.5EC World ReitSGX:BWCU3,00045.3

Value buys - Affordable household items and cleaning gadgets

With a new house to maintain and now that we are coop up at home, I've been getting more domesticated 😂

While I was running through my household chores, I thought, why not share the appliances and items I use everyday?

P.S - not sponsored, but links below direct you to qoo10 where I purchase my items from.
Robot cleaner - Roborock S5
I've previously shared here that robot cleaner is a LIFE SAVER. 
For those who are going to move to a new house, please, get one. The one I'm using is Roborock S5 which has mopping function as well, though honestly, I don't find the mopping function good though cause it doesn't clean up much. But it does it's job sucking up all my long hair (LOL that my hubby kept complaining about seeing my hair all over. You guys don't see your hair cause it's short ok...) and keeping my floor clean from dust everyday.
It's really helpful for us who work from 8am to 6pm. Even WFH gives me no time to do household chores or even cook a…

Benefits of WFH

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In the past, when I hear "circuit breaker", I'd link it to Science/Physics.

Not anymore.

People crudely calls it CB.

Even before CB kickstart, my company had started implemented WFH - if you've no biz in office, don't go.

And, I love it.

I love staying home.

And, it's CB Day 6 today. With a week of reflection plus past experiences, these are my personal benefits of WFH:
1. Wake up late/Extra sleeping time I now get to wake up at 8.20am, brush my teeth, comb my hair, and saddle myself on my chair and prep for work.
2. Save transport cost I always love telecommuting since it helps me save on my commute. That's around $2 savings a day of not taking the public transport to office!
3. Save lunch money and translate into groceries cost for hubby and I Eating in office costs way more because after half a day of angst at work, all of us crave for good food. And good food usually meant spending $15-$30 per meal.

Now, I get to transla…

Pumped $15k within 6 days and roller coaster ride in the stock market

My husband sent me an apt graph on whatsapp.

This is so me.
In just 1 week, I pumped $15k into blue chips and REITs. I was going to buy more, but the platform hanged on me. 
Within a few hours, stocks started rebounding and I didn't bear to enter the market!
As of now, my portfolio is down by 14%, but thank god I wont lose sleep over this!


1M50 Couple Goal and 1M65 Individual Goal - am I on track?

You would likely have seen 1M65 if you are following up on personal finance posts/blogs.If this concept is new to you, you can watch a video here:

Essentially, this concept meant the following (extracted from dollarsandsense) At around 30 years old, both husband and wife puts $130,000 each into their CPF SA and MA. The prevailing CPF SA and MA interest rate of 4% compounded over time will grow the couple’s combined CPF balances to over $1 million when they retire at 65 years old. I was really intrigued by his latest post that I decided to do my own calculation.

Given my laziness and constant daydreaming to not work, I really wish to retire at age 50. That's ~20 years more (yes yes, I am very old liao), which is why I'm aiming for 1M50.

Am I on track?

It seems to be so.

With my past 5 year efforts to pump $7k/year into SA and one time top-up to MA (psst, I will hit BHS this year), my SA and MA now stands at $125k.

1M50 Couple Goal In order to achieve 1M50, these are what I need t…

Reflections during vacation leave - Covid-19, new thoughts, new job?

I am on 1 day leave for an interview. But more on that later. Since I've the whole day to spare, I shall do some verbal vomit here.
Covid-19 When we welcomed the start of a new decade, who would have known that within a month, there would be world-wide disruptions?

Chinese New Year this year had a common talking point - Wuhan virus (as how we term it that time). Jokes were aplenty about how we need to be careful of everything from Wuhan. "Wash your hands ah, dont spread wuhan virus to me.", "where is this pork from? Wuhan ah?" etc.

Later, WHO issued a change in name of the virus to Covid-19.

As time pass, Singapore got hit with more and more cases. Everyone got more cautious. Although it has only be 1 month since CNY, it felt like we all grew a lot within this period. Some grew idiotic (you get what I mean), some grew racist, while some grew more empathetic and kind. It was also during this time that masks and hand sanitisers became the MUST get for everyone. H…

2019 Combined Net Worth - $1,200,000

I've always been tracking my net worth on a monthly basis. It gives me a sense of satisfaction and security seeing my $ increase :) 

In terms of net worth, these are what I count towards: - Liquid cash: refers to $ parked in savings account. - Fixed Deposits - CPF - Stock holdings