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Showing posts from April, 2018

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 …

Q1 review - Hitting $150k in cash savings

April. Rejoice!

Last time this year, I blogged about how this is the most anticipated time of my work year.

These few months, I was so busy that I even overlooked the news of my HDB ballot number. And when I heard about my promotion, I wasn't particularly excited. I was so mentally exhausted that I question, is this all worth it?

But today, I'd like to remind myself. That this too shall pass.

I'm still facing shit at work. I still feel incompetent and stress when I can't seem to get things done. I still can't sleep well some nights. But when I sat down and think about the decent bonus, promotion and the ~10% increment I received, I thought to myself, there are no free lunches in this world. At least, I was appreciated by my bosses. I look around my peers and some much older were bypassed for promotion. Even when things are tough, I must pull it through.

Unless I win the $8 million TOTO today ;)

Anyway, I had just ran through my finances and am pleased to see that I…

My 10 credit cards and which to say goodbye to 😢

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I know I've loads of credit cards. But it scares me a little to know that I've a total of 10 cards after tabulating the below. Guess it's timely to do a review of the cards I have so I know which to use and which to say byebye to!
Here's the summary of my 10 credit cards and which to say goodbye to:
To keep 1. SC Manhattan - to keep for big ticket items (note: card is no longer available for application)
2. SC Unlimited cashback - no min. spend to keep for 1.5% cashback on all spends
3. SC Spree - to use for contactless spends (2%); no min spend, max spend $3000

No minimum spend and up to $60 rebate. Earn 2% cashback on all online spends in local currency, all contactless and mobile payments. Earn 1% cashback on all other retail spends.
4. BOC Sheng Siong - to use for Sheng Siong spends (no min spend, 7% rebate, max spend: $700)Cash RebateSpend CategoryCondition7%Sheng Siong Spend• No minimum spend
• Cash rebate capped at  S$70 per billing cycleAdditional 5%Sheng Siong S…

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