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Showing posts from 2019

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 …

End 2019 Review - inching close to $500k net worth

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This year flew by quickly again and I'm one year older, but don't feel wiser.

I feel more negative and jaded, especially relating to work. Now that I have my own house, all I want to do is stop work and nua at home haha

Reading back last year's post made me think - last year was pretty exciting. I like how I can read back on the little achievements I noted down on this blog. I'll use last year's post as a guide on what to blog about.

Key things that happened this year:
- Travelled overseas for work ✌️
- Travelled to 17 cities. Officially the most travelled year of my lifetime. Probably not able to beat ever
- Caught the Northern Lights
- Own my first property at a prime location

But the most important thing I wanted this year did not happen. Oh well, hopefully next year will be better!

On to my Goals in 2018 and the Reality in 2019 Stay healthy and happy - ✅I guess.Have a little piglet in 2019 - ❌disappointment month after monthTravel to Europe for honeymoon - ✅Plan another …

Extremely bad start with UOB One

With the influx of posts on social media re UOB One (psst on grabpay) and the receipt of my house keys, I decided it was the time to sign up for a UOB One account plus credit card.

It was gonna be the best tool for household joint expenses and joint savings.

However, I've faced multiple hiccups that made me VERY frustrated....WHY ME?!
1. Delayed approving process led to losing out of sign up bonus
First, I signed up for the UOB One card and Account in early Oct through Singsaver's promotion. The promotion said that I'd get to enjoy cash incentive for registration + UOB's promotion of $80 cash credit with min $1k spent within 30 days of card approval. Mind you, these terms were stated to end on 31 Oct, extracted below:

S$80 Cash Credit for UOB One Account: Limited to the first 500 new to UOB Deposits customers who either (i) deposit and maintain $5,000 or (ii) credit their salary, into their new UOB account for 6 consecutive months. Terms and conditions of the UOB Online …

Insane 11.11 deals and around $750 savings

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Hello! I'm back! My blog has been collecting dust with my previous update 2 months back.

Glad to provide good updates that I've finally received the keys to my home :). Reno has also started and we hope to be able to move in by end this year!

I guess it's a blessing in disguise that my key collection was delayed till now. This is an excellent time to purchase household items at attractive prices on 11.11 (and upcoming Black Friday!)

It's practically sales everywhere now, as it builds up to Xmas. Makes me happy while typing these. Who can resist bargains right?

Prior to 11.11, I started carting stuff and comparing prices. Hence, as the clock struck 12am at 11.11, I was frantically paying.

In fact, in just 1 day, I spent close to $5.5k on 3 platforms. Taobao, Lazada and Qoo. And hey, I contributed to this record  😛
Items bought includes: dining tableelectrical laundry systemXiaomi TVceiling fanslightsfridgewashing machinesofatoilet accessoriesmirror cabinetbedside tables…

PSA - Free staycation for $400 spend plus $50 credit?!

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Fancy a free staycation at M Social Hotel and a $50 credit? 
If you signed up for the FRANK credit card, you'll get the $50 rebate and receive a free staycation with $400 minimum spend.
The last I had a FRANK card was years ago. Back then (think 2012), FRANK account was suitable for undergraduates with their attractive interest rates and customised credit card designs. Their FRANK card was awesome as I recalled a 5% online rebates with low minimum spend.
As usual, good things don't last. When FRANK account offered pathetic interests compared to other salary crediting accounts and their FRANK credit card became unattractive due to it's minimum $400 offline spend to start clocking rebates, I cancelled it immediately.
Until recently when I spotted this:

The credit card still sucks but by spending $400 for a free staycation? Count me in! Furthermore, I received a $50 credit by signing via myinfo which is effectively a 12.5% rebate!

Take note that the free stay is not the loft…

Fully paid off HDB during key collection. Is it wise?

I've a happy problem now.

I'm expected to get my keys by end this year. I was deliberating on the options to settle the loans - whether to pay off as much cash as we have, to minimise the loan we have.

By some stroke of luck, our parents are extending their money to us...with interest of course, but slightly lesser than HDB loan of 2.6%. Works for us since the interest we pay them is better than what the banks give.

With this loan, plus wiping out our CPF (leaving $20k behind), we can actually pay the remaining  with our savings at point of key collection.

This is our scenario, amounts adjusted for simplicity:

Remaining to pay after downpayment$550,000Parents loan$200,000CPF OA$100,000Remaining balance (to pay using cash?)$250,000
And, I'd have paid off my HDB at point of key collection (though effectively, we still owe our parents money with interest).

Use Cash, Grow CPF
Our idea is to use as much cash where possible.

First, the interest generated from our savings accounts…

$5 Pap Smear Screening for the ladies

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I've heard about the $5 screening offer from HPB last year but didn't bother.
Until I came across articles on pap smear and cervical cancer and it got me thinking that I should perhaps do a test.....for $5.
I initially thought that all I had to do was to show the clinic my IC and I'd be eligible for the $5 screening. Turns out, we need to present a letter for verification before we can enjoy the rate.
I then checked out the HPB website and contacted their hotline to request for the screening letter. I vaguely recalled receiving it sometime back, but probably lost the letter 🤭
The officer on the hotline told me that the letter generation will take 2 weeks. Oh gosh, another example of the slow service from government agencies. I told them to expedite as I want to have the scan soon. No promises, they said. And I wondered, how many procedures backend would it take for them to "approve" my letter? 🤔Shouldn't such letters be built inside the health buddy app wh…

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