• Month in Review

    Month in Review: January 2020

    Every month, I track my spending and openly share them here. In my Month in Reviews, I go over notable (and often discretionary expenses) for the month and reflect on some key areas of life tied to money, either directly or indirectly: career, health, relationships and personal growth. Writing these updates gives me helpful insights into my own life, and I hope it does the same for you as well. By sharing my experiences with money, I also hope to encourage you to feel comfortable approaching your own finances and keep the conversation around money transparent and alive. Spending Breakdown Barely a month into 2020 and my budget has gone…

  • Personal Finance

    How I Spent My Money in 2019

    A little over a year ago, I moved to Singapore. Plenty happened since then, most of which was reflected in the way I spent my money in 2019. Challenges came with my move such as building a network of friends from scratch in a new city and finding an affordable place to rent. The biggest challenge was juggling my expenses both in Malaysia and Singapore. I was paying off my car in Ringgit but paying rent in SGD. I’d use my credit card to pay for a meal during a weekend in KL and then back in Singapore, I’d be scratching my head figuring out how to consolidate my expenses.…

  • Month in Review

    Month in Review: December 2019

    Well, happy new year folks! This one’s a little bit late but better late than never! My final month of 2019 proved to be one of the hardest months to keep my spending in check. Let’s dive in: Money Investment – S$5000 In December, my total cash outflow came up to about S$8600. This deceptively looks like I blew all my money away but a huge chunk was actually contributed to investments. Barring that particular outflow, my actual spending came up to about $4600 in December. It’s still a relatively high number because of the splurging I did around Christmas-time. Most of that splurging was done in KL as seen…

  • Month in Review

    Month in Review: November 2019

    Well, hey there! I’ve been awfully quiet (again) on the blog and on social media. But with good reason. As some of you may know, I recently started at a new job. And adjusting to a new job (again) takes a lot of focus so I needed to prioritize that for now. I received a lot of encouraging comments on my previous Month in Review that really warmed my heart and I’m going to push harder to give you more content. I’m sorry to keep you guys hanging, I’m in awe of your patience to put up with my now inconsistent posting. Thank you all for that, truly, from the…

  • Month in Review

    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 showcase 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…

  • Personal Development,  Writing

    10 Favorite Websites To Read on The Internet Right Now

    Who here is an avid reader? I love reading. It is one of the few things I truly enjoy doing the most during my downtime. Reading keeps my brain active. It’s where I get new ideas, learn about the world and experience someone else’s perspective. It’s also a great way to brush up on grammar and learn new styles of writing. Unfortunately, time has become an increasingly finite resource. When I was a teenager, I would devour 1000-page epic novels in less than a week. Now, I struggle to finish a 300-page novel in a month. Maybe this is one of the trappings of adulthood. To get my dose of…

  • Month in Review

    Month in Review: August & September 2019

    Hi folks, I am still alive.  I know I haven’t been very active here and on social media, except lately. If you caught my hawker stall spam on Instagram Stories, that was the most posting I did recently. A lot has happened since I last updated. I feel like a broken record when I say “the last months have been a roller coaster ride”. It seems like I say that every month. I wonder if I just love to dramatize minuscule details of my existence a little too much.  But like, it has been. A roller coaster ride. Just like the volatile global markets. Before we get into that, let’s…

  • Month in Review

    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…

  • Personal Finance Guide

    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…

  • Month in Review

    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….…