Wednesday, December 20, 2017

Getting slightly smarter with money

I think I have gotten slightly smarter with money! Guess having some money savvy folks around me did rub off me somewhat.

I had been wanted to buy a new brand bottle of laneige perfect renew cream, which is about 50 ml per bottle. This will cost me around SGD55+. I would usually get my stock from Qoo10, capitalising on the SGD 2 buck discount coupon. My mom and I are users of the cream. As such, the cream is gone like in a jiffy kind.

This time round, I have decided to get my stock from Carousell. What I did was I paid 10 bucks for a laneige perfect renew trial pack at SGD10, which includes 1 x cream (25ml !!!!), 1 x eye cream, 1 x emulsion, 1 x refiner, 1 x regenerator. Now is to monitor Carousell further to see if anyone is letting go of any more of the cream at a cheaper rate. I do use the rest of the products albeit other brands. As such, no worries that the rest of the items would be put to waste.

Tuesday, December 19, 2017

Time is precious




I definitely want to do something good with my life. Do the things that I want and be with the people that I love.

Friday, December 15, 2017

It's better late than never

Adulting now in the area of financial planning, I just sign myself up on Coursera in the mentioned area. Auditing through the course since I don't see the need to have a certificate in this course, I save myself usd49.

I wish someone had told me about financial planning when I was fresh out of school. But I guess the only comfort I can give to myself that it's better late than never.


 Photo credits: coursera

Tuesday, December 12, 2017

Less of plastic, more intentional choices

Growing up, I am attuned to the concepts such as recycling, global warming etc because of the exposure we had in Singapore's education system from primary school. I wonder how much have we as humankind advance in bringing consciousness to these stated concepts as a whole.

I concluded that it's not much. My heart didn't feel good when I read the article on 'Message in a (PET) plastic bottle' published on Straits Times on 28 Nov 2017. The article noted the continual trending of single usage of plastic products which has inevitable impacted the environment. Link to the article can be found here. Infographics credits to Straits Times.




I confess I am one of the contributors of plastic waste. Aside from the fact that plastic products are cheap, they are definitely easily accessible for example plastic bottle, plastic straw. A lot of intentional efforts is required if one is to devoid of plastic and its associated use.

I bought some stainless straws to gift it as Christmas presents recently. My intent was to do my part in reminding everyone to make greener living choices where possible. But guess what? The straws came with plastics wrapping! What an irony isn't it?



Saturday, December 9, 2017

Broke cos it's Christmas?

Christmas season is about celebrating the birth of Christ. It is a holiday season for people to meet up, relationships to be rekindled, strengthened and reconciled. A time to prep oneself for the new year ahead. A time set yourself apart from busyness to seek God for His plans for your life if you have not been doing so.

Christmas season is definitely not about the gift that you can buy, hope to buy, must buy. It's not the season to be stressed about such things and be left broke and most importantly unhappy.

It is not to say that gifting to bless someone during a holiday season or to buy something for yourself is bad. Before going on a shopping spree perhaps certain key questions can be thought through:

  1. What is the budget?
  2. Who are we buying for? 
  3. Is it a need or want?
  4. Is it practical? 
  5. Where are the good sales?


Taking leave

Have you decided how you would want to spend the month of Dec 2017?

Had my first Christmas gathering for the year with my NUS cell homies. " Are you taking leave?", "Are you going on a holiday?", " Why are you not going overseas?" etc are the usual questions.

Yes, I will be taking leave, and no I am not going on a holiday. And there should be no shame in saying that. And no, my homies didn't judge me for it. They know that taking a break doesn't mean you have to travel. 

However, it does seems that travelling overseas to get away has become part and parcel of our generation. You need not cower to peer pressure. If you are on some saving goals, just focus on that. If you don't have a place that you are dying visit, why go? If you want to go somewhere, go for a short getaway?

Since I will be on leave for most of Dec, I have decided to do a few things. Read up on retirement planning, investment. I hope to create a current account for my cheque book and investment. Wish me luck!

Tuesday, December 5, 2017

Summary of financial terminologies

Trying to get your head round the countless financial terminologies?

Found this page while flipping through June 2017 Her World Magazine, sitting through a hair treatment session. Hope it's useful.