Simple Budget, Simple Life

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 poli...

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 re...