Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Tuesday, July 28, 2009

a few reasons to save up.

Mr A. said that he had deeper pockets this month because he got a bonus. It's awfully nice of him to share some of it with me. Exercise mats, pasta dinners and all. How about a new handphone too? (Blackberry, or some new-fangled qwerty device please...) Just kidding. It's amazing how we can find so many things we NEED to buy while living in (this) city. I already have plans (vague plans) as to what to do with my future money. I NEED a new hp. A digital camera. Clothes. Makeup. Skincare. More clothes. The perfect shade of lipstick.
Black photoframes for my postcards. I'm so glad I don't have to go to balding centres, slimming centres, rebond my hair or give money to both my parents.

But we have some ways to make our money stretch.

1. Eating at Mr A's Mom's diner.(FOC)
For dinner, I love the fact that I can eat white, fragrant rice at The Diner. And 'hebi hiam', and soups. A typical Cantonese dinner. Nice soups. I come from a postmodern family who is into organic whole foods. Never seen white rice for years, only brown, basmati, mixed-or short grain rice. Currently eating pita bread for breakfast and dinner and the occasional takeaways zi char. So I relish the traditional, sit at dining table and soup with the meal concept.
Mr A. said that's also a good way of spending time with her but I can't see how, she doesn't eat with us, only after.
Still, it saves us money. Which brings me on to point #2.

2. Eating on a budget.($30)
Limiting unnecessary restaurant dining experiences to celebratory excursions.
For two, we came up with a tight budget of $30 per meal dining out.
It's not that hard-pressed to find food here actually. Faves include the recent KimGary - a lamb chop meal which comes with drink, soup, bread, and the delectable french toast is less than $25. Portions big enough for two. We also like sukiyaki (introdued Mr A. to it and he loves it soooo much, unusual for a guy) which we can share at Ichiban's, paired with a few sides, and Chompchomp's selections. I somehow always like the cheery atmosphere of Chompchomp, no matter what, eating there will make my mood uplifted. Perhaps a fond childhood memory of the place, and the best bbq chicken wings ever paired with all the nice carrotcake, satay beehoon, oyster omelette.... slurps.

3. NOT going to shopping malls on weekends. (FOC)
I have given Vivocity and Raffles City too much of my money. Even if it's a worthy buy like books, inevitably I will need a Coffeebucks or a manicure or a new hairband, at these evil places. And end up spending $50? Bleah!
Places to go on weekends: Old Town Big Splash. Yums. ECP, Pasir Ris Park, Furniture shops - not counted as shopping because not really buying anything. Quite happy I live near the east, nothing much to do in the west muahaha!

4. No movie-watching on weekends. (Save $2.50+$2.50=$5!)
Adds up to great savings! Think about that! IF one month can save $10, one year is $120... just enough for a IKEA kitchen cupboard.

5. No buying any more tee-shirts which are black. ($30?)
Or tee-shirts for that matter. I have enough black, blue, gray ones (I need dark colors in my line of work)

6. Daytrip to JB on weekends (50% off)
Don't know how it's going to help us save money - maybe just on petrol. We are going to try this out. Means I have to break my 'no shopping centres on weekends' rule.

7. Planning ahead. (Priceless, I'm guessing savings of a few hundred per month)
From now on I'm going to write on a post-it pad about pre-empted purchases and 'need to spend on' things like facials and supplies of whatever product that is running out. Now that I also apply tinted moisturizer on my neck and decolletage area to minimize signs of aging, it can only last a month compared to 3 months', previously. My facewash also runs out real fast. One can last 1.5 months? Hmm.
Working it out before the paycheck is in the bank does help tremendously. I've been good so far... ... (I didn't forget to include my Thomas Sabo charms expenditure every month.)

Yea, that's all I can think of for now, Luckily, I can claim my taxi expenses which work out to around $200 - $400 on average per month, so I actually spend very little on transport a month, like about $60?

I miss Mr A. After a nice weekend out, the days apart seem too long. It's sick living in a country where we work so long hours (him, not me) - and having so many other activities - church commitments on clashing weekdays - that even though we both live a street apart (according to the postal code that is), meeting up on weekdays prove difficult.

Going home to nurse a nasty ulcer on the tongue, do my mat exercises and think about him.

Wednesday, February 04, 2009

Soulfood


After one night of blissful sleep in Melaka, puffy eyes from being an insomniac for 2 weeks - gone, complexion looks pinky and refreshed (no photoshop, only benefit! ) For those who've seen me with puffy eyes.. thus a miracle indeed!

It was a great time to go to Melaka this past weekend. I do feel refreshed.

This two months, I'm aiming not to go out so often.
Here's what's in store:
1. Make a Peranakan beaded slipper. 
After seeing the expensive overpriced ones there, we found a shop selling the templates. Mine will be a salmon pink hue background with a black flower pattern. I chose one of the simplest designs. Hope it's one project I can start and complete, I'm notorious for starting and not completing, my personality type enjoys the feeling of doing something new and interesting...

2. Get back to reading.
I've not read Christian books for some time, having perused most of the leadership and general help titles available. So... after reading 'Quest for Love' by Elisabeth Elliot, over the weekend - Clone's husband lent it to me, I am hooked. Went to this bookstore at Far East Plaza after having a haircut there...

I picked two books, "Let me be a woman" - Fang sister lent to me but it was some time back, and 'These strange ashes" about her first year as a missionary's wife. Many years ago when I was still young, I read and was inspired by Jim Elliot's missionary story, of how he 'got eaten up' by the savages... one of the most inspiring missionary stories I've read. He said this famous quote:
He is no fool who gives what he cannot keep to gain what he cannot lose. 

So I was personally very intrigued to read what his wife, Elisabeth, had wrote.

At the payment counter I spotted a sign stating that Membership is $10... Get 10% off immediately... and above it, 'Birthday month, 30% off'. Wah! What a good deal.

I bounced off to get more books, those books that were highly recommended to me but I never got around to buying it.

So I picked up Stasi Eldredge's 'Captivating', another woman's book. Couple of years back, Jelly mentioned that John Eldredge's 'Wild at Heart' really helped him, and although he didn't read much, this is one book he couldn't stop reading. So he did recommend me to read the female version though I didn't have the heart then. 

I also picked up another John Ortberg (My favorite author, all-time fave!) book, "God is Closer than you think."

And one bookmark and they gave a free devotional.

So...guess how much I paid for 
4 books?

$60!

Wahaha... am so happy!

And when I headed to Sephora, the lady assistant also helped me to save money. I usually have very low sales resistance, usually will buy what they recommend, like a guy... Walk up to them and say, I need this, I need that. Show it to me. I was looking for a blusher as well, but I was dissatisfied with those on sale - they had a good range, but it's hard to find what I was looking for. In the end she told me, 'buy what you need' after I told her I still had 'posietint' - it never finishes... which convinced me not to spend any more. In this worsening economic climate, people are really finding true joy in shopping because instead of wastage, we will think carefully, only buy 1 pair of shoes instead of 2, and feel so much happier wearing them, because we have spent carefully... I'm so glad for her advice. I think this is the first time I've met a cosmetic sales assistant to tell you to buy less instead of pushing some products you don't really need.

Next stop, perhaps I should try the $2 haircut in Melaka next time...


Saturday, July 12, 2008

changed

You can't control the way you feel.
At least, I've realized that recently.

How some people make you feel better, think deeper, smile more. I feel like I just want to stay connected, to constantly meet and interact with these people in my life. They give me something to look forward to on long killer work weeks. And I'm not beating myself up for that. I read that:

The principle of love says that you can accelerate your growth by creating more compatible connections and withdrawing from incompatible connections. Connections can be with people, places, objects, activities, or ideas.

Everything you connect with in life will either empower you or drain you. The connections that are most compatible with you will energize you. The least compatible connections will drain you.

For example, if you have a close, loving relationship with a highly compatible partner, that relationship will energize and empower you more often than not. But if you find yourself stuck in a relationship with someone who's a poor match for you, that relationship will drain you and cause you to stagnate. You're better off alone than being stuck in a relationship that drags you down. But better still is to enjoy a relationship with someone who energizes and uplifts you.

Fortunately, we aren't stuck with our existing connections. We can consciously chose to break off connections that aren't working, and we can form new connections we think will be more compatible. This can require some experimentation. You may not know which connections will suit you best, so you'll need to branch out and experience new people, places, and activities to learn what's most compatible with you.


One day, I hope that I can give this kind of powerful love to someone in my life who needs me most. CJ asked me this week, whether or not I consider myself successful. I think, as I chatted with him, that it depends on your definition of success. If it is to earn and have a million dollars by age 35, I don't think I will be successful. I half-jokingly (half-seriously) told him that maybe my idea of success is to be married by 30 and have 2 kids, settle down... and I will be happy.

But for people like us I think that perhaps only that is not enough.

Maybe we want a million dollars and a happy family. Maybe we think we can achieve more, and more is STILL not enough. (Right, CJ? Mr Workaholic...) I like chatting with CJ. Sometimes it makes me ponder on life issues, sometimes it just messes with my mind. I'm always in a quandary to decide which suits me better, I like to mess with his mind too!

He encouraged me last week to tell TBO... the truth, and it shall set us/me free. And I wondered DEEPLY what was stopping me from telling TBO. Perhaps, it is my love for him that makes me fear, that I cannot handle his response - or non-response. Drats.

And similar to CJ, TBO does not believe in 'the best one', so... it might not bode well for my expecting an enthusiatic response on his side. But I have settled in my heart to tell him, finally; when I meet him. (Although, I may not have the guts to.)

I realized, that whatever the outcome may be, I will still be cheerful, TBO or TBO-less. CJ replied with a deep thought (via sms) that as long as I have God, I will be happy.

I cheekily said that, Nooo. I need money and love, too...

We have been talking about money and love lately. Which do YOU prefer? I think all of us want to have both, isn't it? But at some point of time you need one more than the other and only having one or the other may make you even more miserable. Your preference also depends on where it is coming from, some people have it good, money AND love coming from the same place... hahaha!


The elusive TBO...who has no idea what storm is brewing his way...

Thursday, March 29, 2007

Buynothingmonth

"I'm not here for your entertainment..." - Overheard, from a song.

I'm not going to complain about how tired I am/have been because I consider myself blessed to be able to work to this state.

Just that I wish there were more hours in a day to do my stuff!

Looking forward to holidays (Next destination: Thailand/May CONFIRMED) makes me feel so much better!!! At least, it's work hard play hard!

Been spending quite a lot - or rather, not saving as much as I would have liked - depends on how you look at it - so April's going to be my BUY NOTHING MONTH. Aye, no manicure indulgences. (I just went for one) No haircuts, no expensive items I don't really need, no accessories, no FRAPPES!!!! Died... anyways I 'assembled' a very satisfying and nice wardrobe. I have practically everything I need for work, with some (for example, a beige trenchcoat I can only wear to Sweden, Japan or any of those fashionable places) I don't need. So it's a full-stop for me, apparel-wise.
And I've already bought those sundries or whatever you call it - shampoo, conditioner,soap, etc...Even recently bought bag, shoes, yadda yadda...My card just likes to be swiped.

Except for the little emergency items...where I may need to buy something that will run out (like contact lenses.)

APRIL is BUY-NOTHING month!!!
Limitations:
1. One FRAPPE (Starbucks) a week. (Sighhhh. This is going to be very difficult.)
2. Every meal to cost MAX $8.50 (Exclude drinks...another tough one)
3. Tea break to cost $3.10 max. (Which equates to one-crab mayo sandwich and one green tea/teh/milo/kopi.
4. Only take cabs for work purposes (ie rushing to meets or too dead tired to walk)
5. 1 massage/foot reflexology allowed (after my exhibition). MY monthly facial allowed too.
6. And groceries for my family. That's it!!!
7. And Emergency Fund ($50.)

If anyone wants to join me, I won't feel so broke?
Well, am compiling a list of what I want to buy in Thailand...
hee.