Fixed Expenses (as of now)

Shall not reveal my current salary as it differs each month. All I can say is that it’s quite low, though thankfully, I’m a rather frugal person so I can still survive. Therefore, as much as I want to pay off my debts at a quicker pace as well as my wish to contribute to the household more a.k.a. giving my parents more money, there’s only so much I can do so at the moment.

Salary allocation:
Parents’ Allowances – $240 (inclusive of my monthly phone bill)
CPF education loan – $100
Joint Savings Account – $500
Stashaway robo-advisor – $100
Public transport – $90
Food and entertainment – $400

The remainder goes into my personal savings.

As you can see from above, I have not factored in insurance, my Maybank study loan, etc. as my dad is still helping me with these areas. Once I switch job in the later half of the year, or perhaps in early 2019 (likely to be the latter), my new allocation will likely look more like this:

Parents’ Allowances – $400 (inclusive of my monthly phone bill)
CPF education loan – $100 (unless I pay it off by end of 2018)
Maybank study loan – $100
Insurance (Term) – Approx $80
Joint Savings Account – $500
Stashaway robo-advisor – $100
Public transport – $80
Food and entertainment – $400
Personal savings – Whatever that remains after deducting the above



Summary: Jan 2018

I overspent in January, enough said. Mainly on personal care (e.g. facial items, body treatments etc.) and food. Apart from saving $500 into our joint account each month, I didn’t manage to save extra this time. I hope February will be better. And this will be last time I’m ever signing up for a treatment package. And I don’t even believe in getting packages, I prefer to go ala carte. But this time, I guess I was too weak-willed.

To make up for the money lost, I have decided to take up a new challenge in the month of February – to stop succumbing to temptations (stop buying my favourite avocado shake and expensive food items ever so frequently) and to eat cai png/cai fan (economical rice) daily – with a budget of $3.50/day which is manageable as I usually only order 3 veg or 2 veg + 1 meat. Yes, I love my greens.

Of course, there will be 1 – 2 cheat days but I will refrain from spending over $30 each time. For instance, I’m meeting my good friends this Sunday for steak and free-flow salad buffet and I know the exact price I’ll be paying as I’ve seen the menu online and it’s less than $30!

I could save a lot more if I bring home-cooked food to work. The only issue is my current workplace does not have a pantry area and eating in the office is prohibited. Therefore,  if we do need to grab a bite, we’d need to go downstairs. While most of my colleagues settle for the nearest coffee shop, I tend to venture a little further as I don’t like to stick to one place for food, unless I’m absolutely addicted to it.

This is the reason why I hardly join my colleagues for meals nowadays.

“Don’t you feel left out/get lonely?” – This question was thrown to me a couple of times. Now, I don’t understand why there is a need to assume that one is left out or lonely just because he or she prefers to do things alone. Alone does not equate lonely. Stepping away from everybody is actually kind of liberating. You get to do whatever you like such as exploring new places, reading a novel without getting interrupted, trying new food and more. And most importantly, I enjoy my own company.

A wide contrast from my childhood days, I’d say.  9-year old me would rather starve or hide somewhere than to be out without a companion. Anyway, I’d still join my colleagues for meals every now and then, but definitely not as frequent as last year.


Conflicting Emotions

Every now and then, I’d experience a sudden bout of sadness and till date, I can’t figure out a way to control it. This has been going on since I was a child, and I must say that it does get rather overwhelming at times. I can be happy one moment but become down in the dumps the next second.

You see, it creeps up at the most random of times. I often tell myself that it’s a mere passing phase and that things will eventually be alright. I try so hard to convince myself to just ‘get over it’. However, it’s not as simple as it seems.



It’s a little late, but Happy New Year!

2017 had been pretty exciting:

1. I completed my university studies. Deferred my graduation ceremony (held on 29 Oct 2017) to March 2018 as it clashed with my Hong Kong – Ipoh trip then.

2. Took up a new job in financial planning (helping my agency to do recruitment and administrative matters as well – though I’m actually focusing on the latter). I’m intending to change job in the second or third quarter of 2018 to pursue a career in generalist HR or Recruitment but nothing is set in stone yet so we shall see how things go first.

3. Marriage application form got approved by MOM (my boyfriend is a Malaysian work-permit holder).

4. My boyfriend (now fiancé) proposed to me at Hong Kong. Tears of happiness were shed on that day. I was extremely touched and surprised that he roped in my Hong Kong friends cum ex-colleagues in his plans.

However, my family is understandably not supportive of our marriage plans as I’m only 22 years old (turning 23 this year) and they think that I have not thought things thoroughly enough. Yes, being together with a non-local can be tough in terms of getting housing, raising children etc. but we figured we should take things one step at a time. If my dad can do it (my mum is not a local too – she’s a Filippino), why can’t I?

5. Embraced minimal living and currently in the process of decluttering my room and other material possessions. In fact, I have donated 5 bags of clothes to charity (that’s 1/2 my wardrobe) I still have a long way to go but I think this is a good start.

It’s only mid Jan 2018 now and I already can’t wait to see how the rest of the year unfolds.

I have decided to delete my old posts (as usual) and start afresh. I intend to update this platform more frequently from this year onwards to preserve memories, to track my monthly expenses/savings, and simply to share my personal thoughts/views on various topics ranging from personal finance, career, and life in general.