Update on "housing woes"

I am in the midst of completing the transaction for my home. Deadline for completion would be by 1 April 2019. Looking back, it is not that much of a woe for me. Being administratively more inclined and organised have allowed me to go through this housing purchasing process without engaging the services of a housing agent. This really helps save some money. I heard agent fees is estimated at about 1% of the sales transaction.

Now that I am almost done the transaction. I have also started looking at how I can speed up my repayment so that I can be debt free early in life while balancing the possibility of leveraging my disposable income for investment.

Housing woes

With time, price of houses would increase while as I age, the quantum for loan would decrease.
Being single, the thought of having to pay for such a big ticket item on my own really scares me.

Feeling grown up

It's been some time that I blog here. It's timely for a post.
A lot of changes in my life. This adulting season has been insightful and awfully painful at the same time. One thing for sure, I definitely have a better handle over money. Part of the game plan over the next 5 years would definitely be to get a place of my own. I also have great determination to be debt free by the time that I am 45 years old.

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.

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.

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

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?