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Showing posts from September, 2018

Already 5 years into the workforce. What have I built?

It was a sudden awakening - I've already worked for more than 5 years.

But what have I achieved?

I stepped into the rat race as a noob (nobody uses this word now, I admit I'm old), being tekan by unhelpful "seniors" who thankfully left after 1+ year of torture and earning lesser than my peers, to slowly building up my confidence, emerging stronger and being more courageous to say "No", proving myself along the way and getting rewarded with better bonuses and increments.

I know I'm working just for the money (and the medical benefits that comes with it).

If I look at the money, so far, I should be doing it right in my career. I've decent bonuses and decent increments. I'm in a general profession, but I'm doing pretty ok.

So what has my 5 years of work got me?

Money. 

Through employment, coupled with my thrifty habits, I managed to hit $100k savings at 25 years old. And it took me another 2-3 years to get another  $100k at 28.

But, along with it,…

Foul day at my new workplace

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Hi guys. I wanted to blog only after I'm settled down at work and with my life event but I needed an outlet to complain and release my pent-up unhappiness.

So, I mentioned that I've changed job. I'm still adjusting myself and enjoying my honeymoon stage since I'm new, though it's not like I'm not working la...just that in comparison to others who worked longer, my full load hasn't come in yet. I'm lying low for now given that I've my wedding to prep for.

Within these few weeks here, I've some thoughts on this job and here goes:

The Good

Higher monthly salary than before albeit just a few hundreds more (better than staying put...)Cheaper transport than before (~$1 saving/day)Don't need to bring work home FOR NOWMore capable bosses and seemingly, their Senior Management than before
The Bad

Not much increase in annual package given that my bonuses were more at my previous jobEveryone else work like sh*t....my bosses sends emails from 2am-4amNice …

BOC Family card nearly sucked $305 away from me, so goodbye to BOC!

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I used to be an advocate for BOC, given its attractive interest for their Smartsaver account and the good rebates for the BOC Family card.

Until one day, BOC decided to review the Family card terms....and well, it suck. I was disappointed with the changes and has since then, stopped using the card. And with that, I've now jumped the boat to DBS Multiplier for my salary crediting. Meaning to say, BOC is no longer my main account.

I still keep the Family card though, just in case BOC changes their mind again and review the terms to be more attractive.

But, this morning, I was reviewing my accounts when I realised I was charged an Annual Fee and GST on the card. Gosh. That's an exorbitant $305!
So I called the card centre and asked to waive it off. I knew it wasn't going to be accepted after reading some comments on how niao they are now. And yup, my waiver was rejected. Not even a partial waiver. That leaves me no choice but to cancel the card immediately. Funny how the cust…

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