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Month in Review: July 2019
Whatttttt is upppp y’alllll? July has been a heck of a month. A concoction of stress, falling ill, breakdowns, big news and happy moments made for an emotional rollercoaster ride. Ready for the shocker? Money Yes, your eyes do not deceive you. I spend over SGD8k this month. I don’t even want to convert that amount back to Ringgit. I guess I have some explaining to do, don’t I? Very well, here’s a breakdown of the significant expenses in descending order. Family – SGD 4,594.49 In my last monthly review (technically mid-year review), I went through my New Year list to cross off goals that seemed super unrealistic. One of…
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Asset Allocation for Malaysians: What is The Best Portfolio Mix for You?
Over the last few months, I wrestled with the concept of asset allocation. In theory, this is a straightforward concept but in practice, I don’t take asset allocation into consideration when making investment decisions. What Is Asset Allocation? At some point in your investment journey, you might find yourself thinking, “There are just too many investment options out there, how do I choose the right one?” The answer is there shouldn’t be just ONE investment option that you should be putting your money into. Ideally, your investments should consist of a variety or a mix of assets that fit you. This mix is different for each individual. Think of a…
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How To Calculate Your Economic Net Worth
Do you know your net worth? I have to admit this question scares me. As someone who loves tracking her expenses and investments, I have long avoided actually calculating my net worth. Naively, I thought that by age 28 I would have accumulated a net worth worthy of someone who’s well on their way to financial independence. But that’s hardly the case anymore. Your Financial Net Worth The simple calculation for net worth is this: Take all the assets you own and subtract all the debt you have. Voila, you have the dollar value of what you are worth in this capitalistic society. Assets – Liabilities = Net Worth In…
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Mid-Year Review 2019
We are now at the halfway point of 2019. I am positive that all it took for us to get here was a blink of an eye. Money The first order of business is a budget update! I’ve cumulatively included both May and June expenses since I was on a hiatus. Over the past two months, my expenses in Singapore averaged SGD2,530 per month. There were many large one-off expenses that I made including: lending money to friends and family buying a book on Amazon (which is still stuck in customs!) converting SGD995.20 to MYR, which provided me with approximately RM3,000 for investing I also applied for a US visa….…
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Month in Review: April 2019
April went by without much fanfare and as the days draw closer to my CFA exam, I bid farewell to my social life and hobbies. Somehow good for the wallet but not good for the soul. Money I’m fairly happy with my spending this month in Singapore. Like I said, the lack of social life has really helped keep expenses low. No extraordinary expenses popped up suddenly, but I did spend SGD 132 on a concert ticket (Troye Sivan this time) last week because I wanted to reward myself. I controlled my Grab expense as much as I could, I’m happy that I manage to bring it down a little…
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I Ran Facebook Ads for My Website for Two Weeks, Here are the Results (Malaysian Edition)
Few weeks ago, I ran Facebook ads for this website as an experiment. The goal was to see what results I will get in terms of traffic when I started running the ad. In this post I will break down what I did and what happened as a result. At the start of this experiment, I set aside USD 100 as a budget for testing Facebook ads. I didn’t set a timeline of how long I will run the ads for but my goal was to exhaust this budget. 1st Attempt My first attempt was a boosted post. I selected an article that got very high traction on my website…
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Month in Review: March 2019
March flew by before I even got a chance to enjoy it properly. Can you believe we’re already three months into the year? Let’s get to the good stuff first. Money I’m not satisfied about how my spending turned out for March because of one BIG mistake I made. Which was this tweet: I wrote that tweet on March 22…..and basically jinxed myself. Up until that point, my food expense totaled $170 or so. In the span of 9 days after that tweet, I managed to rack up a food bill of ANOTHER $170-ish causing that category to almost hit $400 for March. On top of that, I had an…
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Digital Marketing & Finance are More Similar than You Think
The topic of career change is endlessly fascinating to me. I wouldn’t say I’m a seasoned “working adult” but having hustled for money since I was 17, one could say I’ve been in the workforce for quite a while already. As much as I am inexperienced in the matter of drastic career changes, I think it’s safe to say that the transition will alway reveal interesting nuggets both about the working world and about yourself. I never intended to become a marketer. I’m still adjusting to that label since it replaced banker. The switch from banking to marketing is not as difficult as I initially thought. Sales and networking are…
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The Costs of Being A Woman: Why I’m Choosing Not To Pay Them
This post comes after a lot of thought. Thoughts that I’ve mulled over for most of my twenties. Thoughts that have led to purchasing decisions, that have led to where I am today. The day after International Women’s Day, I was at a baby shower thrown for a heavily pregnant woman, who was a literal stranger to me. There I was, no idea who anyone was. To make the situation more awkward, I sat across a chatty young mom holding her 9-month-old girl precariously in her arms. “Only have children when you’re really ready for children,” she warned me. That struck me as odd coming from a new mom. In…
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Month in Review: February 2019
Hello, readers! Hope you’re all well. I took a bit of a hiatus (unintentional) in February, mostly to deal with a stressful workload. Truthfully, I was also feeling uninspired, having a dreadful writer’s block. Consistency has always been a struggle for me, especially when my attention is spread very thin at the moment. How do some of y’all do it? Like, how do you juggle a job, all these side-hustles, write blog posts, exercise, meal prep, read, and have a social life without having a fucking burnout from doing too much? Please message me your secrets, I’ll pay good money for ’em. I apologize for the social media absence as…
