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Showing posts from February, 2017

Adulting starts. ~$2.2k Monthly Household Bills, Referral Codes (MyRepublic, Sembcorp, Circles Life) and $7k top-up to SA

My official adulting started when I moved into my own crib.

Older folks will probably laugh at the Millennials. Yes, I won't dispute the fact that we have been well pampered by our parents. I know very well that despite not growing up in a middle-income family, my mum has spoilt us by doing practically everything for us. For that, I'm super grateful.

So, with the move to my new home comes new responsibilities in the new year. Honestly, it hasn't been that bad living an independent life. Sure I dont get breakfast or hot meals prepared at every meal time, nor things get magically cleaned, I am getting used to this life. I guess that's because I'm not a stickler for super clean house (I can live with organised mess lol and have yet to unpack all my items HAHA), and I have modern gadgets to save my life, such as:
robot cleaner to clean the floor everydayfiltered water so there's no need to boil waterinstant hot waterwashing machine that's on when we reach full …

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 ticking. I know there are some stories of mummies at 40s and 50s, but I'd rather meet my goal of having kids before 30.

I used to think I'd get married and have kids at 23. Then it postponed to 25. And then to 26, and then to 28. It got delayed all because we have not secured our own home.

I want to start a family soon. But, without a flat to call our own. It's tough. We are not comfortable staying in each others' houses too. In-laws relations, proximity to workplaces and "it's never the same staying in someone else's home, cause it's never as comfort…

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 keep a look out for other deals to park my extra cash. Btw, the FDs promotions this year have been disappointing.

If you wish to apply for the CIMB F.D, do note that promotion ends on 13 February 2017.

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