Monday, November 20, 2017

My first sale at Carousell

I finally got down to the process of taking photos of the decluttered clothes and placing them on sale at Carousell.

After a few weeks, I got my first sale! I hope there will be more. Fingers crossed.

Sunday, November 19, 2017

House

The topic of house. It is the bane of my life now.

Being single, 35 years old would be the age when I could get a place of my own at a cheaper cost ie. public housing. At 36 years old, I have finally muster up the courage to explore getting a place of my own. After all, this would definitely be the biggest ticket item that I would ever get to buy. But this journey has been nothing but scary and rocky for me. This is especially so when I am not comfortable with numbers and investment etc.

West Coast Road, which is my address for my entire life will be changed in 6 years or less. It will be going through an en bloc process where the government will take back the land where our apartment resides. The entire residents of the affected areas are given two choices (Clementi area or West Coast area) to relocate. The en bloc process would include having the current residence being valuated, residents would be given financial review/assessment in terms of financing for the new residence at the new area. The relevant government agency has also been feeding us with the necessary information and arranging for face to face consultations to all affected residents.

Needless to say, my parents are keen on the West Coast area as it would be nearer to where we are currently staying. Also, it would be SGD100,000 cheaper at the West Coast area if we are comparing the cost of a three room flat (2 bed rooms, 1 living room) in the Clementi area to one at the West Coast area.

My woe begins as my parents are too old to get a loan. My parents are over 65 years old. We have to upgrade to a 4 room flat instead of our current three room flat (the new configuration of the new house for my brother and I to continue our room sharing even if we wish to). My brother has been non committal towards financing for the new place. To me,  it would be silly if my parents spend their cash on the house. Cash should be used for any emergencies and for tours etc. It should be used for anything but towards paying for the house. My dad first approached me to pay, however, he has been flip flopping his decisions.

Oh wells, having read through my literature on finances now. Despite being dumb with number, I am confident to say. I am determined to pay off any housing debts be it my own place or for my parents' place by 45 years old. I have no wish to be a slave to a house. I am not keen to shoulder the financial burden. It's too much to spend years paying for interest to the principles of the house loan.




Saturday, May 27, 2017

Finding my own pace



It is a challenge to not be part of the rat race.

I find myself being desperate to apply for another time out away from office when I just came back from one.

I am really exhausted.

Tuesday, May 2, 2017

Budgeting



For the past few months, I have monitoring my spending via the app 'My Wallet'. There is nothing fascinating about this app but it does serves my purpose of spending tracking.

I have heard of other trackers such as 'Mint' etc. But the crust of the matter is, no matter how fancy an app can be, it's the discipline of keying in the spending that counts.

For the last few months, I have pretty much cut down my spending on cab, food at fancy restaurants etc. I also try to stretch every dollars on beauty related products. I didn't become a miser. I still give to charitable cause where necessary.

The last few months, my spending has been hovering around 3k. This month, I shall try my hand at keeping my spending to 2.5k.


Saturday, April 1, 2017

Weekend inspiration read


Clothes that we throw away are a form of waste. With fast fashion, I would imagine we are throwing tons and tons of clothes everyday! Buy quality instead of quantity.. Check out the following links

1. Humans produce so much junk
2. Fast fashion is creating an environmental crisis

Friday, March 31, 2017

Fixed deposits and house

I created another fixed deposit (FD) today. Given the interest of the normal saving account is miserly low, I reckoned placing my savings in the FD is a wiser choice. In terms of savings, from now till July, the additional savings of 5k would be used as a seed money to generate a passive income.

On a side note, I placed 6 dollars worth of bets on 4D and Toto. This is not an entry to encourage betting behaviour. Rather, it's a signal to the condition of my heart with regards to work. I am feeling beat up and hoping that 6 dollars worth of bets could buy me out of my situation ie. job and housing woes.

God, I confess I hope to win from the 4D and Toto so that I would not use my 6 bucks in vain. I hope to use my winnings to settle my house and my parents' house. I want to leave my job! Have mercy on me. Let your will be done. In Jesus' name, Amen.

Friday, March 10, 2017

Weekend inspirational read


I have only started the journey on simplifying and decluttering my life about 2 months back. I have been finding my inspiration via some of these blogs. It's the weekend, just slow down and have a good read.

1. zero waste bloggers and the latest trends
2. becoming minimalist by joshua becker who is easily one of the frontrunners on the topic of minimalism