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Showing posts from November, 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 …

Singlife 3% Endowment Plan. Would you sign?

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I was scrolling through FB recently when I saw an ad that attracted my attention.


Reminded me of the FWD 2.02% plan one year ago - which I applied for.
Now Singlife is offering a 3% GUARANTEED plan which last till 30 Nov, at up to $6k: This Single Premium Endowment product’s availability is based on a first-come-first-served basis and is only available for purchase while the acceptance tranche is still open. Singapore Life reserves the right to decline any application that does not fulfil the requirement of a complete application without prior notice, including the invalidity of payment received. (1) The guaranteed maturity yield is 2.20% p.a. and 2.50% p.a. for 3-year-term and 5-year-term respectively. The 5-year-term is only available through our financial adviser partners. During the period between 26 Nov and 30 November 2018, there is a special campaign that gives 3% p.a. guaranteed maturity yield for the 3-year-term and this offer is strictly applicable for one policy per customer…

Protecting myself with GIRO payments

Ever since I started my new work, I've been in a daze.



I've stopped tracking my budget daily. And I even forgot to pay my credit card bills resulting in late charges and interest fees! I was on the verge of tears when I saw late charges of $160 on my two credit cards.

I've no idea what's wrong with me for lacking the discipline to do all these.

What happened to the diligent me tracking every single purchase and tallying it with my credit card bills?

Why do I feel drained after work although this job is less tedious than my previous one where I've been loaded with too much responsibilities that I lose sleep and had acne outbreaks?

However, I realised this is just the start. I've seen 3 resignations in my team within 1.5 months here, and I've been asked if I'm ready to take on some of their portfolios. I'm thinking if it is worth taking on more at the same pay, and then stressing myself all up again?

What exactly should I do?

Also, I realised I don…

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