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Month in Review: October 2019
As we hurtle towards the tail end of this year, I find myself taking stock of the four areas of life that I value; money, career, health and personal growth. Often, in the effort to progress in one area (eg: career) I end up sacrificing another (eg: health). It is a never-ending balancing act that I’m sure is a common human struggle. These month-in-reviews showcases these struggles. Ultimately, I hope you can find solace in the fact that we’re all going through shit together. Let’s get into it. Money Hitting the S$3k mark frequently in the last months has been a worrying trend. I expect that my privilege as a…
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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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Costs of Mental Health Treatment in Malaysia
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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…
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2018 Portfolio Recap
January is almost coming to a close and I’m finally getting around to doing a summary of my portfolio for 2018. Better late to the party than never, right? Believe it or not, my portfolio is still relatively new. I started my long-term investing approach sometime in August 2017. Throughout 2018, I slowly built a modest equity portfolio comprising of five stocks. If you’re an avid reader of this blog (hah, it’s probably just me), you might be familiar with said stocks by now from my monthly(-ish) portfolio snapshots. I’m going to share the actual numbers from my portfolio. In the past, I hesitate to reveal them because I felt…
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My 2018 Expenses and Income
Some days ago I read a blog post from Suraya of Ringgit Oh Ringgit in which she reveals her annual income and expenses for the last year. I thought, “Hey, I’ll do that too!” Naive, little ol’ me thought that this was going to be an easy breezy fun post to write. I was sorely mistaken. I spent the whole weekend confronting the numbers that my year essentially boiled down to. The more I looked at them, the more anxious and afraid I became about sharing it with the world. It’s one thing to hold those numbers close to yourself but it’s a completely different thing to let other…
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My Stock Investing Workflow: A Step-by-Step Guide
A common phrase I hear is “I want to invest in stocks but I don’t know how to start”. My usual reply to this is, “It’s not that hard to learn, just gotta start somewhere.” For a while, I felt like people just didn’t want to put in the time and effort to learn. After all, there are so many free resources out there to help you get started. These days I’m much more forgiving in my opinion. People just don’t have the time nor can afford to put in the effort to learn. They have jobs, families, relationships and so many other commitments to worry about. I don’t blame…
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Asset Allocation for Malaysians: What is The Best Portfolio Mix for You?
