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Double happiness but no mood/time to celebrate

For the past 2 months since the end of December, I have not been resting well. December was supposed to be a dull period; workload should have lessen since the bosses are mostly overseas; but it wasn't. Due to a big project I'm handling, I've been working really late every day. I've also been waking up early and reaching office before my official start time - not because I want to, but because my brain is constantly alert and worrying about the mountain of work that needs to be done. I haven't been sleeping well. It's Feb now. Things are not turning better. In fact, I would have more OTs and more stress as things are moving so quickly. Staying late in office is one thing, attending constant meetings, preparing for constant meetings, presenting, then working on the agenda items after meetings is other. Things are made worst because I'm the only one in my department involved in the project. Over the past week, I got to know of 2 good news. One, I receive

The lure of Feb 2018 Singapore Savings Bond

I am always on the look out for the best place to park my money. This is one of ways I accumulated $100k cash savings before 28 .  So when I came across the Feb 2018 Savings Bond, my eye popped. The SSB is not new to me. I've subscribed it twice - one in Oct 2015 (the first SSB), and the next in May 2017 - at $5k each. The interest rates are pasted below for reference: Oct 2015: May 2017: Both bonds gives me decent interest rate. However, the con is to hold it out for 10 years before I receive an effective interest of above 2%. Imagine my delight when I realised that the Feb 2018 SSB gives me 1.55% just after 1 year. That beats any fixed deposits out there. Furthermore, I can redeem my Savings Bonds in any month before the bond matures, with no penalty for exiting early!  Year from issue date 1 2 3 4 5 6 7 8 9 10 Interest, % 1.55 1.59 1.67 1.77 1.91 2.07 2.26 2.44 2.61 2.75 Average return per year, %*

End 2017 review - net worth at $287k

I've gotten lazy. I should have joined the hype like everyone else talking about my 2017 achievements and setting 2018 goals, but no, I felt like there wasn't a need to. Who would be interested in my 2017 achievements anyway? But I figured, tracking these down are not for you, it's for me. It's for me to document down bits and pieces of my thoughts so that one day I can look back and recall what I went through. So hey, it's the 2nd week of 2018. Work has drained the hell out of my soul and I've only worked barely 1 week this year, although I've had a sucky end to 2017. When others were celebrating, I was buried with work. While others were chit chatting casually, I was stuck in meetings and meetings taking notes and doing loads of useless nonsensical stuff that does nothing to improve my life. The only thing I gained out of these was my salary. I am trading my time, my soul, for money. 2017 Review Ok, enough of complains. Here's a throwback on what

Recommending KTPH for Wisdom Tooth Surgery

If you have wisdom tooth that has yet to be removed, please get a referral from the polyclinic and arrange an appointment at the govt restructured hospitals. For me, I headed to KTPH for my surgery after reading all the good reviews despite staying very far away from KTPH. One dentist that stood out was Dr Sylvia Tay - google her and you can read all the positive reviews about her. Trusting the online reviews, I knew I had to get her to do my surgeries. I have 3 wisdom teeth to be extracted. One at the top just required normal extraction. The other two on the bottom were the ass - both were impacted, with one protruding slightly out and the other totally covered by my gums. My journey started when I experienced pain on my left gums and reckoned it was wisdom tooth pain. I did a check with my neighbourhood dentist who told me he could recommend me to his counterparts for the removal - estimated cost, $1k+ per tooth. I've blogged about this previously during my 1st surgery so

6 tips on how I save money when dining out + promo/referral codes

Owning a personal finance blog doesn't mean I scrimp and live a sad life. It also doesn't mean I'm stingy and deprive myself from material stuffs! There are things that I'll never regret spending on....and that is GOOD FOOD With no interest in makeup, expensive clothings and bags, these have saved me money... but I do spend quite a lot on food, more so with a gluttony partner. Also, being a boring person, I naturally have nothing interesting to do with my partner except to hunt for good food lah. I love my hawker food, but sometimes, we gotta spice things up a little when we paktor right? And we all know dining in Singapore is a costly affair. While I've spent quite a bomb dining out, I've been making use of a few tips for the past few years which helped me save money without killing the joy! So here are some tips you could use to save money when dining out. You may thank me later :P 1.  I came across the eatigo app two years ago and have been

The $10 bet - Part 2

It's amusing to re-read my blogpost more than a year ago. Back then, I submitted my 3rd $10 bet. I akin it to TOTO because it's like striking lottery. If you're lucky, you'll get the place you desire (for some, it's literally worth a million-dollar ). If not, you'll just keep betting till you...someday, one day, hopefully, gets it. And I, one year down the road, am still betting on my chance. How interesting. I haven't realise how desperate I must have felt each time I got a rejection. One year down and I've already made 3 additional bets, all of which I didn't even get a number! I felt like a jilted lover every time I receive that heartless email from HDB which says Unfortunately, as your balloted queue position has far exceeded the flat supply, we regret to inform that your application has not been successful. I should have been luckier. After all, I applied numerous times under MCPS. Why didn't I get a number? Why didn't I

Living near cashless for the past 4 years

Cash is king. Or so the old saying goes. As we move towards a cashless society, we should rephrase into this thinking - money is forever king, but cash? We probably can do without it. Take my case for example. I have been living nearly cashless ever since I have my credit cards four years ago. I barely have much notes in my wallet. Receipts? Aplenty. Ask my mom and she can testify. "Aiyo, your wallet always no cash, so poor meh! How you buy things?" "Use cards lor!" You see, the moment I step out of my house. I have no need for cash. Very very minimal actually. My credit card with auto reload function, works as my ezlink card. Tap, and off I go to my office. During lunch, I’d dine at restaurants where visa, mastercard are accepted. Even for Food Republic, I'd tell the cashier, "paywave pls". Occasionally, we'd dine at coffee shops which requires cash transactions. That's where if my wallet lacks cash, I'd just withdraw at nearb

7 Days Taiwan trip at $115/day all-in

I went for my 7 days holiday to Taiwan in Sept and was thankful that the typhoon didn't disrupt my trip but it was super hot there! I always thought Sept would be a pretty good time to travel - think autumn leaves and cooling weather. I was so wrong. It felt hotter than Singapore, and the sun was just so unforgiving. I turned from a pale girl to a roasted one there. So, if you're travelling these these few weeks, please put on your sunblock, sunglasses and a cap! My 7 days trip brought me to places like Hualien, Yilan and Taipei. I would say this was a pretty relaxing trip since my partner and I went back to the hotel at around 7-8pm each night. Our motto for our holiday was "No rush, no madness". Honestly, it was made possible because it was pretty boring in Hualien and Yilan. Here are some of the places you can go in Hualien, Yilan and Taipei: Hualien 1. Wang's Tea House  - this was my breakfast and lunch to-go place. Love their red tea with bubble and t

Stocktaking my insurance plans - how covered am I?

Reading this Seedly article inspired me to do a stock-take of my insurance plan. Some background about me: - I've a few more years to welcome my 30s - I've worked for 4 years - I bought my 1st insurance (hospitalisation plan) when I started working - I'm not married yet I feel that buying insurance is a responsibility.  It is a responsibility towards myself and my loved ones. Nobody wish to deplete their hard-earned savings for a sudden incident. If you're lucky enough, your incident could be a once-off, curable event. Otherwise, your incident could cost you your life and torture you and your loved ones. Here's a comparison of the plans I have versus what the Seedly guide: Term/Whole Life  The recommended coverage is 5x my yearly income i.e estimated at $350,000. The actual coverage I have? $200,000. The main beneficiaries of this sum would be my parents and it should be enough for them for I've 2 siblings who are working and would be able to

I just lost $100 cashback from POSB Everyday card; Updates

Like all budget savy young couples planning their banquet, we all aim to clock as much rewards be it cashback or miles from our banquet purchase. After all, a banquet, even at a restaurant, sets us back to a 5 digit sum for more than 100 pax. My partner and I have decided to hold our banquet at a Chinese restaurant next year. So, a few months back, we made our deposit of $2000 to lock in the wedding date. Prior to this, I was at my desk calculating the different cashback I would receive using various cards. After all, my coordinator assured that I could swipe different cards to gain the maximum rebates. Also, it helps that my Chinese restaurant is categorised under "Dining", which meant...more cashback :D (too bad if you hold it at a hotel!) After researching, it boiled down to 2 cards: 1. BOC Family card 2. POSB Everyday card The BOC family card gives me 7% cashback from dining and the cap was at $100. Really good card to use. Also, as a Smartsaver account user, I