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.
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.
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.
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).
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...
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
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.
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.
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.
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:
Buy what is necessary.
Buy quality stuff as these products would last longer and generate savings in the longer term.
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.
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.