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Showing posts from December, 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…

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 gifts like chocolates (very insincere leh, unless it's Royce lol), The Body Shop lotion (no use la!), piggy banks (I'm big enough leh!) and notebooks (not laptops but jotter books! They're fancy, but I get so many free during fairs and I can't finish using!). Since I'm already spending money liao, might as well gift something useful right?

Better late than never, so here's my guide to 5 last minute below $30 Xmas gift ideas if you want to gift something practical. Disclaimer, what's practical for me may not be for you and if you're purchasing these online, …

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 would grow vertically just like normal tooth which does not require extractions. However, years later, I could see that my 4 wisdom tooth are impacted - meaning, they are growing against my molars. Also, I've noticed food stuck at the gums between the molars and the wisdom tooth - very gross because there is a hole that traps food already.


I've been putting off the extractions for the past few years. My dentist wanted to do a X-Ray for me to check on the tooth before assessing if I should remove them but I didn't bear to spend the money on the X-rays :X. Was also thinking…

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 mouth shut and not share this news to anyone - not even my partner and family. I can already imagine what my dad would say and think - he'd expect me to fork everything. He'll probably share this with the external family who wouldn't let me off easily. More family politics will ensue.

As for my partner, he'd probably still treat me the same, but I can't trust his mouth. If he'll to share this news with his family, I'll be labelled as niao if I dont pay for stuffs. Tongues will wag, and I can't take these.

Keep quiet for my own sanity.

2. Continue with my life, as per n…