Skip to main content

Start of 2019 - doing nothing and daydreaming

The first week of 2019 has passed.

Again, just like that, in a blink of an eye.

I didn't had a pleasant end to 2018, nor start of 2019 as I was sick with cough and phlegm. Still have not recover till date.

The first week of work was pretty chill given that we only worked for 3 days. Things will pick up speed soon and I'm not really looking forward to it, but, I gotta work for bread and butter right?

This weekend was spent doing nothing.

I was mindlessly looking at financial blogs, in awe of some's investment prowess. If I could do as well as them, would my net worth double? hehe. In any case, I shan't compare since I think I'm not doing too shabby either. Btw, in case some people think I got to where I am because I earn a lot, I can only say - I wish. I'm far from a $100k annual salary, though I do hope to hit it in the next 3-5 years :P

I was also mindlessly scrolling instagram, youtube etc. I've not stepped out of my house except for work so far in the new year. Laziness at its finest :) but this is saving me money too. I'm not a shopaholic - I pretty much shop like a man since I need to have in mind what I want before I go hunt for it. Mindless physical shopping and purchasing is just not me.

Wants

Designer bags

But I'm not exactly an ultra saver. I have a lot of wants too. I've been researching on branded bags that I wish to buy for myself. 2 brands that I'm keen on are LV and Chanel. For LV, it is the quality that I love. My hub has their wallet 10 years ago and it is still in pristine condition. If I do want to spend, I'd make sure it's of value. For Chanel, it is more of a lust list, and slightly as an investment give how its price jumped every year. I'll be heading to Europe this year, so perhaps if you have any suggestions on where is a good place to buy these branded bags, let me know in the comments below?

Travelling

I've also been browsing through travel sites hoping for some inspirations on where to travel affordably. Some potential places I'd want to head to are below, not in order of preference:
  • Bangkok
  • Seoul
  • Croatia
  • Australia
  • New Zealand
  • Phuket or any beach/resort style places for mini honeymoon
  • Taiwan
Let's see where 2019 will bring me to.

Needs

Renovation

I've no idea when I'll collect my keys. We have not been very active looking out for IDs as well. I used to think I'd rather get a contractor to just do basic carpentry in my home, but reckon an ID might be better since he would help to coordinate things?

I'm extremely clueless about what I need to do for renovation though. All I know is I want a functional home that I can just move in. Things like appliances and stuff, I haven't really thought about it.

Furnitures and appliances

I also have not started researching on prices of aircons, fans, heater, sinks and the list goes on. Hubby wants the whole house to be fitted with aircon but I feel it is a waste of money. I guess growing up without aircon just works me well. Plus, my house is going to be pretty windy. But hubby is insistent on it. 

Same goes for ceiling fan. My house is probably not going to be very asthetically pleasing like what you see on qanvast hahah! Because I rather go for functionality than looks. Hubby feels we need to install ceiling fans, but I feel I can work with standing fan - isn't it easier than cleaning ceiling fans? 😂 But he said it's so ugly and it takes up space given our tiny house.

For shower heater, should we get instant or storage? I prefer instant, while he has thoughts about storage. Anyway for this, I'd probably make the call on instant hahahah

What about hobs? Should we get gas or induction? I'm undecided. May likely go with induction since we wouldn't cook frequently. 

The list just goes on for the new house. And it's funny how I spent more efforts on my wedding than my house haha

I'm budgeting a 50k sum all-in for my 4 room BTO. Let's see if I can keep to it!

If there are any tips to dish out, feel free to comment!

That's all for the first week reflection in 2019. May the rest of the year goes smoothly well for everyone!

Comments

  1. Ceiling fans are better than standing fans for ventilation. It's the way to go and it does not take up space. Induction is the way to go if you seldom cook. Can do without false ceilings or feature walls. I regretted doing both up. Totally.

    ReplyDelete
    Replies
    1. Thanks for your sharing! Always good to hear from those who have been there done that :D

      Delete
    2. But when the ceiling fan fail, it's a maintenance nightmare. Cost a bomb to replace.

      And you hopefully don't have tall family members who will get their hands sliced off if they 'kee chiu'! Choi choi.

      Delete
  2. My view, and strictly mine:

    Go basic for 1st HDB. You can't afford better, so might as well keep to basics. Family is going to expand with children in time to come presumably? Is the house designed to accommodate them in due course? Things are going to get damaged.

    Save up for a future upgrade to a more comfortable house, when the kids are more grown up and desire more privacy. Where you want your house to be the home you can afford to be.

    Then again, since your hub is all for doing more, guess some compromise is needed. He wants, he pay lor?

    Peace and harmony.

    ReplyDelete

Post a Comment

No rude messages please. Unkind messages and spams will be blocked and deleted.

Popular posts from this blog

Cashing partial BTC out at 50%+ profit

My first foray into crypto was during the hype. Back in Feb 2021 During Feb 2021 to Jun 2022, I added in bit by bit - DCA as what they say. BTC, ETH, MATIC, SOL and even the horror LUNA. Thereafter, as crypto crashed, I stopped, praying one day it will rise back. And today, as I found that BTC is now at ATH, I decided to cash out 1/4 of my BTC for some profits. It's still a far cry from the amount I've lost, but I'm glad I could recoup some losses. Just to detail for my future reference, I transferred my BTC from ledger to coinbase. And sold my BTC on coinbase to SGD, incurring an atrocious fee of $130 and GST of $12. Gone are the days of cheap transaction fees.  Please let me know if there are wiser/cost effective options. In total, what I took back was a profit of 50%.  May BTC rise up more so I can cash out at 100% profit next. -dated 9 Mar 2024-

🤞On track to hitting $950k networth by end 2024🤞

Another blink, another year ending soon. How have you guys been? I wonder who else is still monitoring my blog despite my lack of updates. Again, so much has happened, but not much have changed. I travelled well, continued with a 3rd round of IVF egg retrieval (result was extremely poor), and went through uncertainty at work due to restructuring but was thankfully able to keep my job. I still haven't fulfil my dream of being a mother. Though honestly, it now feels more like a checkbox to be unchecked than the actual fulfilment of wanting to nurture and grow a child. I think the weariness is getting too much. I will embark on my final transfer within these few months. This would be my 7th transfer. If it fails, I'm likely going to stop further treatments. I have already done the best at my "peak".  I am telling myself that my life is still amazing despite these hiccups. Anyway, onto my financial goals. Back on 31 Dec 2024, I posted my goal to achieve $950k networth by

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, t hese 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 conditio