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Showing posts from November, 2016

Achieving $300k cash before the clock hits 30

When I first started blogging (cue the first blog post), I set myself a goal to save $100k by 28.
$100k cash, excluding CPF.
I achieved this at 25.

I even thought my $100k would drop downwards after paying for flat, reno, kids. But who would have known that my chance to get a flat would only happen at 27, and my savings grew and grew?

$200k at 28
At 28, I hit $200k cash savings. It took me 3 years to grow another $100k. 
If not for the fact that I've been topping up $14k annually to mum and my CPF RA/SA, spendings on wedding, house related stuff and frequent holidays, I would have much more cash on hand. But, that can't be real, that's not living - those money have to be spent.

If not for the fact that I've pumped $80k over the past 7 years into stocks, of which the paper value is now only at $60k+, I'd been $80k "richer". The converse could be said if I've great investment capabilities to grow $80k to $100k 🙃

Anyway...
As I edge closer to 30 ⏰, I've ano…

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 berated myself for not being academically smart. They always had something to say or to belittle me. I had a big ego but a meek personality. Whenever I hear them snickering about my results or "consoling" my parents that my results are "okay", I cry.

I was an average student in school. In my primary school, I was streamed into EM2 but was doing okay for most of my subjects, except Maths. I usually top my Chinese, but Chinese was not important. During PSLE, I was hoping for a score of at least 235, so that I could get into a neighbouring girl's school. When my results c…

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 partner was kinda pressurized to get a diamond ring for me.

On the spot.

I guess I was feeling frustrated of his inaction, and his NATO style. He is so lepak that if I hadn't got him to pay for the ring, I'm probably still not engaged. (On a side note, there's no point being proposed to early, because we have no plans for marriage yet.) I'll not dwell too much on this but to cut the story short, I chose my diamond ring at a warehouse sale.

Yes, I suck. Just because it was a warehouse sale from a reputable jewellery store (think 50%* off signs plastered around…

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 marriage/wedding. I recalled that I took on a new portfolio and am not liking it very much. I recalled spending a lot of money on my SC Singpost, Manhattan and BOC Family card just to chalk up rebates, and am now at the stage where I barely spent much - I didn't even spend anything on 11.11. I recalled getting a good performance bonus, and will probably not get this grade in the future. I recalled crying in office and back home because of mistakes, criticisms and stress. I recalled the quarrels with my fiance because I felt that he does not care about my feelings and even thought of calli…