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,…

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 hassle free closure of my bank account. I retrieved my deposit in cash and hopped my way to DBS bank to deposit the money.

Great!

With that, I've officially bade goodbye to BOC!

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