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Showing posts from December, 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,…

End 2018 review - net worth at $372k

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This year passed by exceptionally fast.

So many things happened this year that if I don't keep a blog, I'll probably forget the details of what happened. Key things that happened this year:
- Secured my flat in my dream location - Got married - Got promoted 2018 review Here's a recap of what went by in 2018 Jan: Shared my 2017 review, and my net worth at $287k. Also shared about my hopes for 2018 which came true for most! Here's a recap of my 2018 hopes:Receive my promotion this year (likely to happen) Receive a good ballot number for my flat Enjoy my marriage preparation this year Plan for a family getaway for 2019 Be less stress about work this year (not so optimistic considering the projects lined up for me)Be someone whom others admire and look up toStay healthy, alwaysMonitor my spendings - no more qoo vouchers to hit min credit spending.Save $50k this year HAHA (praying for good bonuses to make achieving this easier)Feb: Applied for Feb 2018 SSB - applied…

I've hit $200k in cash savings, except...

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Years ago when I entered the workforce, I set myself goals (you can refer to the left side of my blog), mainly financial ones.

I set to achieve $100k cash savings before 28.
And I met it at 25.
I shared my tips on how I achieved it here and they were really simple tips, mainly tweaks to your lifestyle (eg, dining at discounts). 
I then set out to achieve $200k by 28.
Earlier this year, I mentioned that I've crossed $150k savings and shared updated tips on how I helped myself. 
As 2018 draws to a close soon, I found out that I've hit $200k in cash savings. 
Except, I've just parked $6k+ to my CPF MA for tax relief, and it has now dropped to less than that. I've also parked $7k into my CPF SA some months back, so I would have hit $200k earlier. If I delve even deeper, I have also bought stocks amounting at ~$10k.

Yup, so I would have crossed the $200k mark even earlier. In any case, this is just a number game for me to keep track of my finances. I will probably hit $200k…

8D7N Hanoi, Sapa and Fansipan trip with full-fledge flight at >$1,500 for 2

If you are looking for a budget destination, how about heading to Hanoi, and adding in Sapa, Fansipan for an extra spice to your tour?
The husband and I were there for a 8D7N trip (disclaimer - not my honeymoon. I haven't plan one yet hehe)
Most people exclaimed - so long!? What's there to do?
It is indeed long if we were to stay in just Hanoi alone. After all, Hanoi was pretty boring as we could cover Old and French Quarter in a day. Our days in Hanoi were spent on food, facial and massages 😛If you are planning to tour Hanoi only, a 4D3N tour would suffice.
But we inserted a 3D2N trip to Sapa and Fansipan which was notably the highlight of the trip!
And, I'm proud to share that our expenses were around $1,400 for two which includes a full fledge flight via Vietnam Airlines instead of a budget flight ðŸ˜Š and our anyhow spend also can expenses at ~$250 (we ate whatever we like, and also had pampering facial and massage sessions!)
Here's a rough guide of our itinerary: …

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