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Showing posts from November, 2019

Achieving $300k cash before the clock hits 30

When I first started blogging (cue the first blog post), I set myself a goal to save $100k by 28.
$100k cash, excluding CPF.
I achieved this at 25.

I even thought my $100k would drop downwards after paying for flat, reno, kids. But who would have known that my chance to get a flat would only happen at 27, and my savings grew and grew?

$200k at 28
At 28, I hit $200k cash savings. It took me 3 years to grow another $100k. 
If not for the fact that I've been topping up $14k annually to mum and my CPF RA/SA, spendings on wedding, house related stuff and frequent holidays, I would have much more cash on hand. But, that can't be real, that's not living - those money have to be spent.

If not for the fact that I've pumped $80k over the past 7 years into stocks, of which the paper value is now only at $60k+, I'd been $80k "richer". The converse could be said if I've great investment capabilities to grow $80k to $100k 🙃

Anyway...
As I edge closer to 30 ⏰, I've ano…

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

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…