Simple Budget, Simple Life

April. Rejoice! Last time this year, I blogged about how this is the most anticipated time of my work year. These few months, I was so busy that I even overlooked the news of my HDB ballot number. And when I heard about my promotion, I wasn't particularly excited. I was so mentally exhausted that I question, is this all worth it? But today, I'd like to remind myself. That this too shall pass. I'm still facing shit at work. I still feel incompetent and stress when I can't seem to get things done. I still can't sleep well some nights. But when I sat down and think about the decent bonus, promotion and the ~10% increment I received, I thought to myself, there are no free lunches in this world. At least, I was appreciated by my bosses. I look around my peers and some much older were bypassed for promotion. Even when things are tough, I must pull it through. Unless I win the $8 million TOTO today ;) Anyway, I had just ran through my finances and am pleased ...

I know I've loads of credit cards. But it scares me a little to know that I've a total of 10 cards after tabulating the below. Guess it's timely to do a review of the cards I have so I know which to use and which to say byebye to! Here's the summary of my 10 credit cards and which to say goodbye to: To keep 1. SC Manhattan - to keep for big ticket items (note: card is no longer available for application) 2. SC Unlimited cashback - no min. spend to keep for 1.5% cashback on all spends 3. SC Spree - to use for contactless spends (2%); no min spend, max spend $3000 No minimum spend and up to $60 rebate. Earn 2% cashback on all online spends in local currency, all contactless and mobile payments. Earn 1% cashback on all other retail spends. 4. BOC Sheng Siong - to use for Sheng Siong spends (no min spend, 7% rebate, max spend: $700) Cash Rebate Spend Category Condition 7% Sheng Siong Spend • No minimum spend • Cash rebate capped...