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Showing posts from October, 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 …

Goodbye BOC Smartsaver account. Hello DBS Multiplier

I've officially severed ties with my BOC Smartsaver account, after a good 2 years.

With the disappointing revision to the BOC Family card, which used to be the BEST credit card I had, it just wasn't worth keeping the bulk of my cash in BOC anymore.

Since Aug, I've jumped ship to DBS Multiplier and left the minimum balance of $1,500 in my BOC. Today, as I passed by the BOC branch at Jurong East, I decided to just close the account. No point leaving my $1,500 there when I can transfer it to other accounts to generate more interest!

As I stepped into the BOC branch, I saw restless ladies gossiping at their seats. I was the only customer, but nobody bothered to serve me. I even had to ask if I'm supposed to take a queue number, but nobody came to assist. Over at DBS, the customer service experience would be way different, in a positive way.

BOC has gotta up their game in terms of their cards/accounts perks and staff attitude/customer service man.

That said, it was quite a …

How I manage to cover the full cost of my wedding

For people my age, wedding bells have been ringing.

A few years ago, we started out in the workforce, fresh from school, trying to earn our keeps and manoeuvre ourselves in the dogs eat dogs world.

As we earned our keeps, we also knew we had to save for impending cost bombs - for house, for wedding, for kids, and for retirement.

Back then, I set my goal to save $100k and I managed to hit it at age 25. I knew time was on my side and I had keep my expenses low in order to save. I wasn't earning big bucks - I was just a normal salaried working, earning less than what my peers were earning.

Likewise, when I planned for my wedding, I knew I had to keep my expenses low as well because my partner and I were paying everything out from our pockets. I was the Chief Finance Officer budgeting and making sure we clock rebates, and getting the best deals out of everything. I was also the CEO of my wedding, because I dictate most of the "to-do" and "not to do" list.

Now that …

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