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


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


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

Thursday, March 9, 2017

The fridge

Planning to declutter a part of your house this weekend?
Maybe you should try decluttering your fridge of expired items.
This was my loot last Saturday.

Saturday, March 4, 2017

Let it rest

It's the weekend. For some folks it would be a time of hanging out and partying over drinks and delicious food. However, for some folks it would be a time when the physical body and mind could rest.

For me, I would 'rest' my eating. I would eat when I am hungry (stomach growls) and not because it is the time to eat. It is my way of allowing my stomach to rest during the weekend. I find it challenging to do so during the week due to scheduled meetings and lunch with colleagues.

Maybe this weekend, it is time for you to rest it (whatever it may be).

Tuesday, February 28, 2017

Morning routine

I think I have a simple palate. I would eat what my mom buys. For breakfast, she would typically buy fried noodles with fried chicken and egg, dumpling noodles etc. However, at the beginning of 2017. I have decided to put an end to this.

As part of an overhaul/reflection to my life in general, I have come to the conclusion that I need healthier food in my system. I need to cut down on expenses on food if ever I am going to live on my own.

And so, I have started the morning routine of eating overnight oats, which would be coupled with chia seeds, milk, and any fruits I can find in the fridge. I did try to cook my oats so as to give myself options. Alas, the pain of waking even earlier to prepare breakfast is seriously not my thing.

1.5 months into the routine of eating overnight oats, I think my body has adjusted to it. In the name of moderation, I have imbued cheat days on weekends so that such a eating habit can be sustainable.

The next step is to have more control over lunch... 

Monday, February 27, 2017

No-sew recycling bag

Finally ended my procrastination and got down to making my own recycling bag. This is a no-sew bag. I got it done within 5 minutes! Hope to do my bit for the green cause and lessen the use of plastic bags. But lesson learnt, an old tee made of cotton is a better material to work with. In this picture here, I had used a tee which had spandex like material as such the shape of the bag would go wonky after several uses.

If you are keen to check out, please click on this link HERE 

Friday, February 24, 2017

Something more than shopping

In my earlier post, I shared my modest loot for the BKK trip.
The biggest joy I had was spending time with these two young ladies.
Thank god for placing me in the position of influence to share my thoughts about life.

Thursday, February 23, 2017

Bangkok 2017

I was in the land of thousand smiles two weeks back.

Guess what, I came back with only 7 new purchases! So proud of myself.

I went for this trip with a shopping list at hand. I didn't want to spend money mindlessly and accumulating another article in my life. I didn't want to feel pressured to have to buy something just because things are cheaper. You know what I mean?

Thank God I managed to keep my purchase to 1 belt, 2 tops, 1 handheld sewing machine, 1 packet of banana chips for Angie, a bottle of perfume, 1 recycling bag.

The only poor purchase was the extra top that I bought. I had only intended to buy 1 top. In a moment of weakness, I gave in to the "it's darn cheap" mentality.

Not being on the buying streak allowed me to slow down quite a fair bit for this trip. I was in a better state of mind to focus on the people and sights that surrounded me.

If you are on the journey of minimising spending (be it local or overseas), having a shopping list definitely is the way forward.

Saturday, February 18, 2017

Long awaited

Finally I got my promotion.

When I wanted it the most i.e last year and it was not given to me, anything after that, doesn't excite me anymore. I must confess I still struggle with trusting God and His blessings for my life. I fear to hope and yearn due to the disappointments. The 'no' and 'wait' loom larger than the 'yes'.

What I look forward now is the new pay in April. Guess the promotion is timely in view of the financial goals set for the year.

Saturday, February 4, 2017


I have not taken cabs in weeks! Kudos to myself.

Cabbing is one of the key expenses that drains my saving index.

Being drained, impatient and that desire to escape crowds, I resorted to cabbing wherever I go. At one point, cabbing cost me about 400 bucks a month.

I hope to keep this up where possible. Finger crossed.

Tuesday, January 31, 2017


image credit:

I have started the habit of 'bring your own bottle' (BYOB).

Water is the best hydrating element after all. I am hoping that by going BYOB, I would stop quenching my thirst with unhealthy (sometimes expensive) drink choices.

One would say that I could simply walk to a supermarket to get the house brand mineral water bottles. On this point, I am aware about the plastic waste I would generate in return for such an act.

Hopefully this BYOB habit will go a long way towards increasing my saving index plus a better health. Cheers!

Monday, January 30, 2017

Three bags full

image credit:

Decluttered a bag of clothes from my wardrobe yesterday. Prior to Christmas, I decluttered two bags. In total, I had decluttered three bag full of clothes, some of which were brand new. How did I end up in such a situation?

Did I derived happiness having a wardrobe filled with clothes. The answer is no. I struggle with the thought that I don't have enough clothes on a daily basis. I would end up going through the motion of picking that few pieces of clothes to survive the work week and weekend. On special events such as weddings, I grimaced at the thought of needing to get an outfit befitting of the occasions. I secretly hope I could just survive each day by wearing a uniform.

In short, I had fallen prey to vanity and succumbed to my insecurities.

Note to self, moving forward:
  1.  Buy what is necessary.
  2.  Buy quality stuff as these products would last longer and generate savings in the longer term.
  3.  Keep only clothes that you need. There are people out there who would need the clothes more than you do.

For those who are curious with what I did with my decluttered clothes, they would be going to Chris, my grandfather's helper. She would usually send the clothes back to her village in Manila, Philippines.

Sunday, January 29, 2017


I must say I have been spared the growing up pains till recently.

It was about 2 - 3 years ago (34 going to 35 years old) that I became rather conscious and struggle with thoughts/desires such as career progression, purchase of a house, amount of money in the bank, retirement etc. Prior to the 'awakening', I was happy to just move along in life. I am happier with whatever I have.

Imagine my anguish when these awakened thoughts/desires started to overwhelm me. I felt puny and unaccomplished in life in comparison to my peers.

Knowing that I have a God who is my shepherd and I would never be in want, put the chaotic mind to rest. He brought me back to a perspective - He is with me. It is never too late to reassess how I am living my life. It is not about the money that I have in my bank account that matters to Him. It is how I choose to honour with the things that He has placed in my hands that matters.

So here I am, embarking on this journey to simply and declutter to honour Him.

I have started this blog to note down my thoughts and milestones achieved. If you are reading this, I hope you will be blessed and encouraged. Please know you are not alone on this.