Attending a Live House Auction!

I cross yet another adulting milestone, attending my first live house auction!

It was so exciting and exhilarating at the same time! There was quite a crow that came to the auction, it seems like everyone think it’s a good time to buy a house…which means the prices are going to go up. It was a bit sad that I wasn’t able to make a bid at all…I have yet to recieve my Pre-approval from the bank and also the house ended up being outside my price range sadly…

The house that was being auctioned was open for half an hour before the auction to allow curious people like myself to have a walk around. This was the second time that I walked around the house, and boy this time I could see many faults that I hadn’t noticed the last time I was there. Last time I was there, the toilet was forever flushing and required a new washer or something…This time I noticed things like the fly screen on windows being broke, cracks on the floor, cracks to pipes…spider webs everywhere! And spiders! T_T. If I were to buy that property I would need to spend money to fix it up before living in it…

Anyways, more about the auction! As there were so many people, the auction had to be conducted outside in the public courtyard in the middle of all the units. An ‘Auctioneer’, or basically a dude with a rubber hammer came into the middle with a portable microphone and explained the process. He praised the property and highlighted again the things that he found was good about the property. Then he asked someone to make a starting bid of any amount…

Someone shouted, “480,000!” and then it went on…all the way until the price was going up by increments of 1000. He was trying to increase the price by $500. He then started listing out benefits of buying a house now, i.e. reduced stamp duty…and he would do the going once, going twice, several times…which gave just enough time for people to change their minds at the last minute…He kept using “Regret” and “In the grand scheme of things, what’s a few hundred?”. This was one auctioneer that was definitely on the side of the vendor who was selling their property. LOL.

When he did the very last ” GOING THREE TIMES…SOLD” He pumped his yellow hammer against the cardboard paper that he was holding..and everyone clapped, like it was a shoe or something.

Such an interesting experience! I don’t think I will be game enough to do an auction, I feel like I would be so tempted to outbid everyone, being one of those stupidly over-competitive people that you probably don’t like. I don’t like the idea of large crowds gathering in one place either, most people were wearing masks…but some people honestly do not know how to wear a mask. Wearing a mask does not mean your nose and mouth are showing….it doesn’t work if its hanging on your chin..

Anyway’s, time to get back to doing some real work..

It’s so hot today…but I am still going to play badminton :O

2021 House Hunting!

Happy New Year everyone! I can’t believe I haven’t posted ALL YEAR. How lazy of me.. XD

I just completely forgot that I haven’t blogged for awhile, I keep thinking I did…but like a lot of things in my life…I started out strong, then fizzled out, and now restarting. It’s the end result that matters right?

To say this week has been hectic is an understatement and I have slipped. back into some unhealthy habits :(.

My sleep has been so SHIT lately…I put it due to the hot weather (it is summer here), the late night HOON driving that continues to 1-2 am…I don’t even call the cops anymore as it has made ZERO difference. I just am hanging on to the hope that I will be able to move places soon. I was hanging on from moving, because I still hadn’t recieved my drivers license in the mail. LONG STORY SHORT, they never posted it…and I was waiting for over a month for it…it is only when I sent THEM an enquiry to why it was taking so long that I found out that apaprently they fcked. up my photo and didn’t even bother telling me. Apparently I have to go in there to take a photo and they are unable to give me a license without retaking my photo, EVEN THOUGH they were the ones who took my photo. Vic ROADS SUCKS. VIC POLICE SUCKS. and VIC REAL ESTATE Agents SUCK. I sound like an angry person, but I guess I am comparing this to my home town in Adelaide where I haven’t had to deal with these issues. LE SIGH.

Enough WHINGING! Anyways, in other news! It’s decided. I am planning to move in the next few months! Instead of renting this time, I am on the look out for HOUSE TO BUY. When probably can’t afford a proper house yet, but a TOWNHOUSE!! I don’t know why, but I am in love with town houses..! It just feels so quaint, cute, and comfortable to have a 2-storey house that maximises space and utilises space well. I don’t have anything against single storey units, but it’s just something about town houses that make me want to buy one…hahah the one I have my eyes set on has an asking price of $490000 to $520000…which sadly is out of my original budget…BUT hopefully fingers crossed I will be able to sort out finances prior to the auction at the end of the month. I have been talking to banks directly and bypassing the mortgage broker. It just takes TOO LONG with my mortgage broker…I am just going to do more research on my own and from what I can see, it doesn’t make much difference in terms of cost.

I feel like most things can be done on your own, but most people are probably too lazy to make the effort to do it on their own…

I am so excited to get a place!! But first have to jump the hurdle of getting a PRE-APPROVAL first…I don’t have a 20% deposit saved up yet sadly… coz I put some money into shares…and lost some money…

But the longer I rent, the more I am paying for someone else’s mortgage…

I inspected 5 properties today (I am exhausted!) but narrowed it down to 2 properties and one in particular I am hoping to buy. Both have their perks and down falls.

  1. Single story unit.

    Good: More land and garden space. Great for a dog as fenced…seems like they have a dog! As there was a dog kernel. The living room and outside space is really nice! The garage is oversized and can fit more tha one car easily! The house is in a pretty decent suburb and it is hidden at the back of a group of 6 units ((Good and bad thing). Apparently it is near a farm area, so there may be many big trucks driving stock in and out…Also not sure about hayfever?!?! It is also close to work and is safer than the other property..probably higher resell value and rental value.

    Bad: There is only one toielt an it was broken…The doors keep slamming when the windows are open. Saw some cobwebs in the window…The garage was really messy. This has a higher asking price of 50,0000 to 550000. Strata fees are around $800 a year. It can also be a bit hard to find the entrance to this house as it is at the back of a series of units…

2. Two storey town house:

Good: Newer than the single story unit and was quite well kept upon inspection. It looks great for a first house as the garden looks easy to maintain. There are just properties around the area. The BIR in both rooms look more modern and for the MAIN bedroom it has a really neat mini desk inside the WIR. It has a nice bathroom and I especially love the sink in the bathroom. The garden is really nice with a bench for entertaining outside..there was also a BBQ and a Water tank… (I am not sure if these stay if they get sold)? Two sheds and a built in clothes hanger. There are aircons in both rooms and also in the loung room. Strata was abou $300 per quarter ? or was it per year.??!?!

Bad: It is in a ‘bad suburb’ that is known for the lower SES in the past. There is not many schools nearby…There are a lot of migrants in the neighbour hood and people say that there is many burglaries in the past and that it is not safe to go out walking at night on your own. There is less space upstairs…For the same price i could possibly get a three bedroom unit in the same neighbour hood.. I need to check if there are security camers for this place…as I want to feel safe!!!!!!!!

My aunty and uncle who own a few properties already have advised me to drive down to that neighbour hood during night and during the day to see what sort of neighbours and people who live there and to check sound levels…which I will do at some stage.

Other than that, it’s back to the banks to ask if I can loan more money…

Wish me luck.

I will keep you posted!

Adulting is so tiring…after all those inspections, video chatted with aunty and uncle, then 1 hour meeting with a BANK representative… I took a 2 hour nap and ate the rest of the green ice cream for dinner. Covid cases have started up again and there was as local outbreak at the shopping centre I normally go to…so I have been trying not to do groceries there and only go to the one near my work instead…HOWEVER it means I can’t just get groceries that easily anymore :(.


Fingers crossed we will not have to do a lockdown again :(. Masks are mandatory indoors again..but TBH that never changed for me anyways as I work in a hospital.

Take care and stay safe peeps.

Adulting Milestones and fails

So, I spent the whole night yesterday on a wet mattress protector and hence I had a pretty uncomfortable sleep…My only quilt cover was not dry either..despite a whole day of being under the heater…my electricity bills gonna be so high :(. Gonna really try not to open the heater today.. :(. I was super mindful that I don’t want to sweat too much coz my quilt is gonna get dirty! So much stress TT. I have opened the windows and continue to dry the sheets and quilt cover on my makeshift clothes airer…

Next time, I think it will be ideal to not do all of them at the same time and do it in batches…coz,, yeah it doesn’t dry that well in the dryer..probably doesn’t get clean that much.

I’ve been trying to figure out how I can buy one week of groceries at one time. it seems so redundant that I have to make several trips to the stores in one week…and now with COVID, I am trying to do click and collect more often…however, I always seem to forget something…and then I have to wait till next time to get it..and by then I would have forgotten something else.

Other than that, I have officially almost spent an entire week living by myself and interacting with literally no one asides from the grocery unpacker when I click and collect. I am super cautious about those people too…lol…last time I did click and collect, they just left the product in a trolley and let me take it out myself. This time the kind man opened my boot and put it in bags for me in. Whilst that was very kind of him, he could have just left it there for me to pack…Because after that I had to sanitise my boot handle, bags, and everywhere he might have touched. 😦 You know..just in case.

BUT on a side note, I got for half price a set of 10 containers for only $12.50! WOOHOO. can’t wait to label them and fill them up with stuffs.. xD

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Covid Impulse Buying Restarted :(

I forgot about how much I spent the last time we were in lock-down back in Adelaide…

It just feels like the perfect past time…it’s stressful though…because the difference now is I am not working full-time yet and haven’t been for the last six weeks… I am basically living off paying the bills with my credit card. I put most of my money locked away in a long-term deposit -.-” or in high(ish) interest savings accounts that don’t allow you to withdraw or you lose the interest -.-”.

ANYWAYS. I keep rechecking my internet banking app to see if I have been paid my last salary from my part-time job…and hopefully *fingers* crossed I will also get paid out my annual leave which I rarely took.

So what purchases have I been purchasing?

A lot of things I probably don’t need.. :s..some I guess I need, but COULD make do and still survive without. I am just going to list what I have bought in the last week..

I spent a lot on homewares…bath towels, singlets, clothes airer, air fryer, kettle, 30 Litre bin (too much for one person), teatowels, clock, non-slip shower mat for inside the shower, mat for outside the shower… LOL so many mats. Also bought a mat for the entrance and for my bed. (LOL) …A santoku knife… microwave cover, sponges, wipes, disinfectants of every kind, toilet cleaner, paper towels. freezer bags x2 sizes, stainless steel mixer bowls x3, pegs (haven’t even opened it!), portable clothes steamer (used once), handheld vacuum (suction sucks), Telstra wifi-modem, Hair straightner for mum, AAA batteries, AA batteries, shampoo and conditioner (coz i didn’t bring them from Adelaide), body wash, TV cable, hand soap, dish dryer, sieve, mug, so many groceries fresh and frozen :(, filtered water jug, Laundry basket, Laundry washing bags, fabric softener, detergent for clothes and dishes, deodoriser, can opener (but I HAVE NO CANS), numerous amount of random plastic containers, Linkt Toll pass (Even tho i haven’t used any tolls yet), I’ve also started paying rent. Y_Y…

I bet that’s just half of where all my money went… T_T… Spending so much time alone at “home” and going out and doing things has made online shopping all the more tempting.. :(….if I wasn;t writing this post, I am very sure I would be online shopping again…

One slighlty (?) upside is that I remembered I have some Qantas Frequent Flyer points saved up! These points were supposed to be for my overseas “One day” to London trip…but that kind of looks out of the picture for the near future…So I used some of the points to purchase a ricecooker online…it’s something I can live without until it comes…

Learning to cook the hard way

I know why I don’t like cooking..it’s because I imagine it to be a task that takes too LONG when I am always hungry NOW. That’s how I thought about it when I was living at home back in Adelaide…if there was no food cooked by mum or takeaway…then I would just snack. I CBB cooking…it’s just so much hassle.

But now since I have moved out, I still suck at cooking…but I don’t think it’s too bad… yes I have to wait for a long time before I eat, but I appreciate what I eat (even though it usually tastes a bit strange). I am a bit of a YOLO person. Screw recipes, I will just try and fail. Then I will try again till I succeed..somehow ..xD

Here is a highlight of what I have learnt so far about cooking.

  1. You should probably watch the stove when you are cooking. Because…once you turn your eyes away the water boils over and makes lots of noise, smoke, and is a pain to clean.
  2. You need to invest in the right kind of knife for what you are cooking. It is important that they be sharp too, otherwise, you will be in struggle town.
  3. You need a lot of sized dishes and pans and stuff…otherwise you will forever be washing while cooking when you run out of crockery :(.
  4. The sieve is so important for draining stuff!!
  5. Don’t put oil in when the pan is still cold. LOL.
  6. Cook things separately to make sure they are well cooked before mixing together. LOL.
  7. Frying a egg is pretty difficult. :(. how do people flip it?! Maybe it was mistake trying to try fry two eggs at the same time and in a huge ass wok. Like I said different sized pot and pans come in handy here!
  8. It is necessary to clean the sink, cooking stovetop, and floor after every cook…Otherwise, that shit just go everywhere (or maybe I am just a messy cook).
  9. It is better to put less of a seasoning than put too much…you can always add more taste, but it’s hard to take it away. :(.
  10. It is okay to test your food!!! And important to do so…so you know if that pasta is undercooked or cooked…or if your sauce is not okay…you can change it while cooking.

I am sure there is gonna be a heap more of stuff I will learn as I continue to cook during my time in Melbourne Lock down!

I am proud that I haven’t yet ordered any take out as of yet…

P.S these are pics of the food i have cooked so far..xD

It looks better than it tastes xD

Things that I have found most useful since moving out

I can’t believe it has been one week already (almost typed one year) since I packed up all my stuff into my tiny little Toyota Yaris Hatchback and drove 12 hours over to another state in Australia. I have had to adapt and make do with what I have as best as I can. I am super grateful I have a credit card, as it allows me to make some large purchases without worrying about how I am going to pay for everything straight away.

Living alone is peaceful, but I have to admit it is a little lonely…I can spend days and hours without speaking to someone in real life. I have decided to compile a small list of things that I found most helpful when moving out.

  1. Get connected to WIFI. It helps give you peace of mind that when you video calls your family that you aren’t blowing all the credit on your mobile phone.
  2. Get a shower mat…it’s sooo cold going out of the shower at night!
  3. Get a pedal stool bin or automatically opening bin. You don’t know how better life is with a bin that closes and opens basically without you having to touch the lid. A swing-top bin is just NOT the same! It gets dirty easily and it won’t stop the odours from coming out of your bin! It’s just so convenient to have a pedal to open and close the bin, especially when cleaning out the sink or while cooking.
  4. Get some good sharp knives, they make your wrist and life so much easier! I just purchased my first knife today. Yup. It took only 29 years on earth to get this far…I had no idea that the cash register person had to double-check that I was over 18 before being able to purchase a knife! LOL. I got a Santoku knife, which is a type of knife really good for cutting things thinly and not having to rock back and forth. Who knew there was so many different types of knives out there with all sort of purposes?!
  5. Laundry baskets. Never appreciated them so much till now. Great place to store dirty smelly clothes.
  6. Kettles bring life. Makes coffee, tea, and instant soup…what else can I say?
  7. Hand held vacuums are the bomb. Easy storage..quick and easy. Makes vacuuming sort of fun and less of a chore.
  8. Paper towels are not just for wiping hands…they are for cleaning grease…lining draws..temporary placements… holding hot stuff. They are the best.
  9. Try to recycle everything that you can. Whether old bottles…cardboard boxes…containers..lids…rubber bands…they could come in handy someday.
  10. Be enviromentally friendly and also saving on the electricity bill at the same time! Try to heat up your house in other ways besides turning on the heater..i.e. exercising, cooking, or just wear more clothes so that you don’t feel so cold in your apartment. You could even make something warm to drink like soya milk or just drink hot water. Done.

 

Anyways, my brain hurts. I took a few montage style videos of my apartment block and the surrounding suburb today…I never knew HD camera setting on iphone is sooo nice! It makes me look like a semi-pro, even though I am noob. LOL once I figure how to to transfer to my laptop I might post it!

Doing Laundry in a shared apartment complex takes a full day!

As the title may suggest, I did my laundry today. I was thinking of making Sunday the day of laundry and of cleaning once I start working. I don’t think it’s a bad idea at all…It is ideal to do laundry during the day time here…BECAUSE the light in the laundry room is BROKEN. Dodgy AF. Oh, how life would be easier if I had my own washing machine and dryer in my room…BUT ANYWAY I’ve signed a 6-month lease and moving would be a pain.

So I have to run up and down the stairs checking on my washing every 30 minutes or so…As it’s my first time using a front loader…I didn’t realise how small inside was! Our washing machine at home is a top loader and fits heaps and heaps of clothes! I can wash all my clothes at once..however…because this machine is quite small…I had to separate my washing into two batches…Then there was small slot on the slide which said “DETERGENT” and the other “SOFTENER”…cool I have both…I looked at the bottle for instructions on how to use it…they said 50ml cap and then others said capfull…HOW DO I EVEN KNOW WHAT 50mls is?!! I YOLO and put about half.

I wasn’t sure what mode to put the washing on…so many options…I can even choose to clean the machine, bedding, eco…delicates..what if I have a mixture of everything!?? A friend on the phone suggested I do “COLOURS”..wash time? TWO HOURS and that wasn’t the longest one either. I shrugged and tried pressing a few buttons to try get it to start…finally it started making some noise and I left.

TWO HOURS LATER…

Alright finally…I can put it in the dryer..unfortunately due to my clumsiness..I may have dropped a few pieces of clothing on the floor as I made this transition. I am not familiar with dryers…we’ve never had one at home…as my parents said, “WASTE OF MONEY JUST HANG IT IN THE SUN”…But it’s Melbourne…it’s like cold and rainy almost every day :(… There is a dial and it looks like you can only turn it one way…it goes from 0 to 150mins (I think). How long do I put it for? I am not sure…I just did it at 60 minutes..hopefully, that’s enough. The machine didn’t make a sound…doesn’t it usually spin? It wasn’t moving…Maybe it’s heating it up inside..who knows..I went back upstairs and came back an hour or so later.

ONE HOUR LATER…

At this stage, I have finally got my clothes airer set up in my room, which takes a considerable amount of space when opened up. I go check on the clothes which I have put on the dryer and I also take the second bag of washing down in my new laundry bag..which I intended to put the “hopefully dried clothes” into. The handle on the dryer is broken…HOW DO I OPEN IT?! I struggle for a bit and maybe with sheer force I manage to open it. I feel the clothes..still a little damp..but I take it out anyways. So I empty a second lot of dirty clothes into the washing machine…BUT this time I choose the “FAST CLEAN” option…56 minutes. GREAT.

Go upstairs again, put out all my washing on my clothes airer and turn on my heating system to help dry the clothes.

ONE HOUR LATER…and I can’t remember what I did during this time..but after one hour has passed.

I went to check on the clothes.. DONE. Great. put it in the dryer more successfully than the last time I did it…and this time I turned it to the maximum time of like 2 hours and went upstairs…Put on some shoes and took my first walk around the neighbourhood…I saw a few colleges…and then walked into Monash University…so beautiful and modern! I wonder how it would feel like going to a university like that… hmmm…I found that there are some shops that are still open on campus! Saw their sports area, which hopefully I will be able to play badminton in once the restrictions are lifted. I took some photos which I will post at some stage when I have time…okay I have heaps of time but I am extremely lazy to upload pictures from my phone. :(…I walked past the Monash Uni Music Section and feel a teeny bit sad about the guitar I left back in Adelaide… Unfortunately I wasn’t able to fit that into my car :(. Stupid toilet paper. grr.

Come back home…pull out my yoga mat which I haven’t even touched since I moved to Melbourne…I opened the usual Blog Pilates Cardio and Stress yoga videos and do that for half an hour…the clothes STILl aren’t ready..so I open the freezer to see what I can add to my left-over failed fried rice from yesterday…A small packet of frozen dumplings falls out…It must be fate. It wasn’t fate sadly…I have no idea how to cook it…and being lazy I put it straight into the air fryer. AND YUP after 5 minutes you guessed it! The skin was burnt but it was still so cold inside the dumpling. I turned down the heat and put it for another 5 minutes. STILL COLD. So I took it out and just microwaved it for one minute…and I THINK IT WAS COOKED?!!? But the skin was really gross and chewy.. ..LOL but the food is food.

TWO HOURS PASSED…

I go check on the clothes…it’s pitch dark and borderline creepy in the outside laundry room…I forgot my phone..went back upstairs and grabbed my phone to be a torchlight…never want to experience that darkness again…I balance my phone somewhere so I can grab the clothes…the feel soo warm and DRY…so it takes two hours to dry a small load of clothes. OKAY… SO basically it took a really long time to wash my clothes which I had used in a few days…I just went back to count…SIX HOURS..WTF.

And anyway, this update was a bit boring…but yes I finally have a clothes airer, a nice looking (fake) wooden clock on the wall..containers for my sugar and nuts…and some pegs…which I honestly didn’t really need, but I will find a use for it.

On a more random side note, when I went to pick up my items from KMART, I decided to do a test-drive to the hospital I would be working at on my first day…and guess what…theres an IKEA store down the street! There’s actually a pretty big looking shopping complex there..DOH…I told myself, maybe IKEA doesn’t have click and connect…I drove a bit further and see a sign saying “IKEA CLICK AND COLLECT”..dAMMIT…oh well there’s still a heap of things I still need to buy…IKEA SHOPPING TIME >:D

Apartment Hunting

Just spent the whole morning working on my rental applications .. sigh

I never knew it would be so hard..baha you are literally feels like you are going for a job interview all over again..but even tougher! You have to provide professional, work, and character references…And also write why you want the apartment ..LOL..

I am trying to decide whether its worth paying almost. $50 a week for a fully furnished apartment or do I want to use that $50 a week and buy my own furniture?! But what if I move?  How am I going to take all my shit with me? Meh.

Well I’ve submitted two rental applications so far…and I haven’t heard back from them yet.  I haven’t inspected the properties of course, but some require you to apply before they allow you to inspect…! Thanks to Covid-19 restrictions they are only allowed to have one person inspecting the property at a time…no more open inspections 😦

Because I am looking to find my own 1-bedroom apartment, I guess I will be a loner in Melbourne lol. Housemates do sound fun…but I am worried I won’t get along with them..and I am such an introvert lol.

Who knows,,,maybe if I make some friends I can move out with them .. ?

Unfurnished Homes

I am just realising the importance of having furnished verse non-furnished houses…

So many houses come unfurnished…have to buy your own fridge…microwave…washing machine..Bed…so expensive..especially if you are not planning to stay there long-term.

Then there is the cost of installing such things..which can put the cost to thousands and thousands…and is it really worth it.. :(?

I have also realised that a lot of the places I am looking to rent. like studio rooms with kitchen and toilets…are unfortunately STUDENT ACCOMMODATION. It’s damn cheap, small, but has everything…but I AM NOT A UNI STUDENT ANYMORE T_T Cries. Sucks when the cost is good, location is good, but they only take students.

I was up till like 1 am just checking through property after property and shortlisting some…It sucks how I can’t go into inspect..but I guess video is the next best thing…

Financial Health Check

I’ve been listening to a bit too many podcasts about money lately…as you can probably tell. I was listening to one particular podcast where someone on the show was making a website based on getting you better deals by allowing you to compare side by side what the different banks were offering in terms of things like term deposits, loans, etc. I can’t believe how much time it saves! So today, post work I have set about moving some money I have been saving up for my future house deposit and put into a 3 month term deposit…I highly doubt I will be able to purchase a house within the next 3 months, so better to maximise the interest I can get while it is in the bank.

I have a second account in which I have some emergency funds that I can use for spending, because I don’t want to lock away all my money in a fixed term deposit. I will use this money for things like unexpected expenses I may incur or for expensive things like specialist appointments… *Sad face*.

I wish I had done this earlier! It takes a lot of time though, trying to sort out your finances. As I also have multiple bank accounts across three different banks and so manyy bank cards…it’s hard to keep track of how much money I actually do have…xD yet great in a way, because unseen and forgotten money means I spend less!! I also have to remember to keep checking up on my stocks and to keep an eye out for good prices..and to remember to keep growing my rather small portfolio.

I still have much to look in terms of the superannuation..I think I will look further into it after I finish up my current contract…as I will have to combine that super with my other super account…somehow…

So many things to think about as an adult…who knew looking at your financial health was so important and took so much time? *sad face* BUT in the end, if you look after your finances, it will look after you in the future. *happy face* (hopefully).

How to *Think* about buying a house

If you know me in person, I probably would have told you this, I want to work hard so that I can buy my own place and finally get another dog! Childish? Maybe. I’ve been saying this, in addition, telling people I want to travel overseas to London and Europe…which is probably off the cards for the next few months. I’ve said it for a long time and one of the reasons why I haven’t got there yet is because I have procrastinated and not done much research on how to buy a house :(.

I don’t know how other people seem to have got there so fast! Maybe it is because I am picky and because I want to save up as much as I can for that initial deposit and get a decent house… There are so many things to consider! Asides from having to have a stable income to be able to pay the mortgage for the house, you also need a good credit score. It might be also beneficial to get a mortgage broker to help you liaise with mortgage lenders to get you the best rate that you can get.

You also have to research a good place to buy a property and also consider things that are around the property such as which schools that property is zoned for. You might not have kids of your own, but if you ever want to resell, you could get a higher price if you are in the zone of a good school. I think it is important to consider buying a property that will increase in value over time and not depreciate…Otherwise, you might be selling at a loss if you have to ever move for whatever reason 😦

For the type of house, you probably don’t want to invest in an apartment or a one room unit, as they will be difficult to resell later on and you may even lose money in the process. I have also read it is not advisable to purchase a house that hasn’t been built yet! They could end up dodgy or not what you expected… Personally, I don’t want a house that requires a lot of work to be done on it…because with that money I could have gotten a better property for a bit extra that didn’t require so much work. Because I am lazy and I also probably won’t know what I am doing.

There is so much to think about, how did my parents manage to do that? I suppose it was different for them, house prices were lower and they had help from my dad’s parents. I remember when we were house hunting for the house we currently live in. My parents asked me for my opinion of the house and I still remember saying, “I like the tiles in the bathroom, let’s get it”  and we got it. I am still very picky about the bathrooms to this day and YES it will still determine whether I get a particular house or not.

Oh, the joys of adulting. Earning your own money finally, but it never seems enough. It’s more than you ever had, but it STILL isn’t enough to afford a house in this day and age :(. Oh, the joys of millennial life 😦

Money Matters

Been thinking a lot about money lately. How to earn it, how to save it, how to grow it…and yeah how to spend it…and I realised…I have literally put all my eggs in one basket…I work for my money and then I get money… I put money in the bank in a savings account..and I thought I was doing good. Getting like 1.59% interest for my savings. But ACTUALLY, I just found out that I am doing pretty bad! I am doing the safest way to hold onto money. But pretty much the worst way…

Due to my Christian upbringing, I know of a story of a rich man who entrusted three servants with varying amounts of talents (a form of currency back then). The first man who was given the most… say 10 talents -doubled the number of talents he had by trading and had 20 talents to give back to the master when he came back. The second man who was initially given 5 talents, also invested his talents and came back with 10 talents for his master. The last servant who was given one talent, was lazy and buried his talent into the ground, so that he could, according to him, “keep it safe”, because he knew how hard-working his master was. The master praised the first and second servants and said that they were faithful and that he would promote them. However, to the last servant, he called him wicked and lazy and he cast him out. He told the last servant, at the very least you could of put the money in a bank and get interest payments from it…

I think this is a concept I need to put in my life a bit more. I am always so afraid to take risks…scared to lose what I worked so hard to earn. But being scared is holding me back from my potential to earn. It occurred to me that I am relying on my ability to be able to work crazy hours as a source of income. How about instead, I make my money work for me? In the past, I have done long-term deposits with my money…and yes they have a slightly higher amount of interest that you can get, but they have so many terms and conditions and exit fines if you withdraw deposit early…You basically are lending your money to someone at a super low-interest rate. I have been looking at ways of investing lately…my long-term goal would be to get an investment property…BUT I realised in order to get there I need to earn more…sure my job salary is great…but I am really not working the money I already have. So…I have taken an interest in buying stocks. I never really understood stocks previously… It seemed so adult..a foreign thing that I did not understand and I did not take the time to understand.  Until I realised, I am an adult now..and I should think about other sources of income..to prepare for my future…and life post-work. Passive income, that’s what they call it. In stocks, investments, bonds, etc…many I don’t understand. But hey, it is never too late to start right?

My plan is to start with a small investment initially…and hopefully when I get some dividends from the company…I will use that to reinvest to buy more shares…and hopefully, that will grow and grow!  Yes, initially it will hurt to use my money to buy a piece of the pie…but if that pie grows and becomes more valuable, then that’s when I will know it’s a worthwhile investment.

Oh gosh, who would have thought I would be writing and interested in the share market?

 

Am I growing up now?

 

2020… What other surprises will you bring?

2020 Values

Another year has passed, another decade is here. Strange to think that I can still remember when it was the year 2000, and we were in a new Millenium…I remember these gummy lollies that started selling pretty well back then, I think it was the Millenium bugs or something..so tasty.

I sometimes wonder how the mind chooses what to remember and what not to. I would say it would remember the happiest moments and also the saddest moments of our lives…then anything in between could be a coincidence or something out of the ordinary that made us remember it.

If I were to reflect again on 2019, it would be a year where others have already said, a year of ups but also downs, love but also heartbreak, regret and the fear of not trying.  I honestly look back at myself and think I was a different person than to who I am now and I think this will always be the case as I continue to grow, continue to make the same mistakes in the past, one step forward, how many steps backwards…as long as I am moving somewhere.

2020. A year in which I put high hopes for. It is the year that I leave my 20s…how scary. A year in which I hope is full of travel, goals being met, and relationships strengthened. Hopefully. 2019 drained me…in a whole different way. I think it’s a combination of working too much, committing so much, and studying too much. Too much of anything is bad, isn’t it? All work and no play makes for a sad joy. I always seem a bit out of balance in all things..either I do nothing or I try to do all over it. Either I love someone or I hate them. A black and white world, that is a scary thing.

I faced many trials while working at my casual job, from workplace injuries to bullying, the anxiety of not having worked…because my manager hated me. To becoming a nervous wreck at my other job from dealing with clients that are abusive. Why did I try so hard? But, I am thankful for my new job, where it seems alright. The only major anxiety now is that 1. I can’t progress from where I am at the moment. 2. I don’t know how long my next contract will be. But, I like the immediate management..and the pay is good. So I should, not I am grateful.

2019 was the year my gym closed down. I didn’t gym for two months while I contemplated where I should go. I felt like a headless chook not knowing where to go. It was a big thing for me because it made me lose my routine…exercise is so important to keeping you feel sane after a long day at work. I had my favourite Zumba class where I can dance away my worries…when it closed…I didn’t know what to do..so I did nothing… I am grateful now for my new gym..no it’s not the same…1. It’s a mixed gym, not an all-girls gym that I am used to. 2. The Zumba classes there aren’t that great. 3. It costs a lot more than my previous membership, but the benefits are that parking is easier as it located near my house and not in the city. The distance between home and the gym makes it easier to bring me to go to the gym. Exercise and staying fit will always be an important part of my life, and I can tell when I haven’t exercised my mental health going downhill. SO make sure you guys exercise okay!

2019 I worked on building my self-confidence. I still am working on this and will continue in 2020. I learnt instead of focusing so much on makeup to cover my flaws, to instead trying to take proper care of my skin instead. To be preventative rather than treatment orientated. I am not sure if it’s a side effect of the pills I take, the lesser use of makeup, or the skincare products I am using…my skin is far from perfect and I still get the odd pimple here and there, but I am comfortable going to work or out with no makeup on. I have also been trying to lessen the use of my hair straightener (I sold the old one and bought a new one last year) and try to leave my hair as natural as possible. When it’s messy, I tie it up in a way that looks nice and no one would guess how messy it is! I realise, that by not using the straightener as much my hair has never been as healthy…I use daily some leave-in conditioner as well… With the exercise thing that I mentioned above, I want to be more comfortable with my body shape. I have always felt shy about my body shape, thinking I am too fat and wearing just loose clothing…safe clothing I say. But I would say I am broadening my “look” and trying to “my style” that makes me look good (in my eyes).

Something which I am going to focus on 2020, is “Saying NO” and taking a risk. I feel my health is deteriorating because I place a lot of importance in working a lot…and for the last five months, getting one day off every two weeks is my norm. It’s exhausting. But, I fear the consequences of what will happen if I stop one of my two jobs. Money is so alluring. It makes me temporarily “Happy” when I get paid. But…working so hard and not having the ability to enjoy it or friends to enjoy it with me…makes me feel empty.

Relationships. I had a lot of failed relationships this year. Whether short, long, or fleeing. I made a lot of “new” relationships, but whether or not I really made any super close friends…I don’t know what I was trying to achieve, but I think I was trying to fill that emptiness inside of me.  This year, I want to be wiser. Learn to love my own company. Let’s hope 2020 will be a good year to strengthen relationships with those I do want to…and break free from some that are not healthy.

Studies. 2020 will be the year I finally finish my graduate certificate in disability studies… phew…Took me two years to get there…but I got there. I also am planning to take the Gamsat in March this year. Again… I think its 5th or 6th time? All that money… is an investment I hope, it’s only wasted if I don’t keep trying…right? I remind myself, by studying Gamsat materials, it is a good exercise for my brain and to help me think outside the box more. Yesterday, some friends and I went to do an escape room activity, and it’s so exciting to be able to crack codes and figure out riddles. Let’s do our best! I remind myself here, that it is about the quantity of time I spend studying in books and text, but the quality and the way that I can learn and prepare for the exam. This time, I will think outside the box for different ways to prepare for the exam. Maybe reading books, maybe talking to people, maybe doing a new hobby…who knows…But I will make the journey a more enjoyable one than before.

Cleaning, almost forgot about this. I had a major clean up in 2019 and I hope that I can continue ‘cleaning up’ the rest of the house in 2020. I did the Marie Kondo style clean up in my room/..I got rid of a mountain full of coat hangers…clothes, and things I never use. Who knows how much rubbish we can collect over the years? It’s liberating to know where things are (most of the time), and having things so neat and easy to use. I hope I continue the Marie Kondo way in 2020 and improve upon it and continue to be disciplined daily to put things away.

Family. So important, I am so lucky to still have both my parents and my siblings here in Adelaide. I also have an awesome aunt and uncle who live so close by and the really feel like my substitute grandparents who have already passed. I have to say, I am so guilty of not spending as much time as I should with them…Also, I can’t forget, 2019 was the year my nephew, Jaxon, was born! This bundle of cuteness lighted up so many of my dark, sad, and lonely days. Here’s to hoping I can spend more time with him and enjoy his first few years of life.

Travel. I didn’t travel anywhere overseas in 2018 or 2019. But now, that I finally have the funds and the annual leave to travel. I am happy to say I have booked my first overseas holiday in three years for next month! Yes, it’s just to NZ, but that’s still counted as overseas for me! I am so excited, it’s always been a place I needed to visit at least once, just as Canada was…I am excited to see beautiful scenery and amazing sights, it will also be a good chance to become closer to my friend whom I haven’t spent a lot of time with in the last few years…I hope I can travel to somewhere new each year in the upcoming years! Travel is like medicine for the soul.

I think these are all the values I have worked on in 2019 and hope to continue building upon in 2020. If I think of anything, I guess I will edit or post again.

 

Thanks for reading my random ramble!

 

Happy 2020 to you!

 

EDIT: Just remembered as I posted, I forgot to say that 2019 was also a great year in which I gained new subscribers to my blog! i am amazed that there are so many people from so many different countries randomly coming here and reading my blog. Thank you to you all! I hope I will continue writing my random thoughts and feelings towards life, adulting, and etc in 2020.

House Maintenance

Another aspect of owning a house would be to learn how to look after it…to the best of your ability..

So my parents on a spur of the moment thing decided to change the tap in our kitchen sink..they bought the tap and asked my brother to put it together.

My brother went in blind, with no instruction sheet or nothing and began the dismantling of the sink with a variety of make shift tools-because he deemed my father’s tools inadequate. So the kitchen knife became a makeshift saw. Once the tap was off it was all about trying to install the new tap. But, alas..how are we to hold the tap in place?!?

My brother looked around and fold a squarish piece of metal and assumed that was what  would hold the tap in place… however! It did not fit.

This is when my expertise was called upon. He asked me to google, “How to remove and install a faucet”. We watched the youtube video… but still we seemed to be missing a crucial part to the tap…I asked him if he had the box or something from the tap.

He said, no my parents had only given him the tap and the squarish metal piece and some random screw. I did not believe they would throw away the box that fast! (being the hoarders they are)…I located the box…and lo and behold…what was in the box? The instruction sheet and the missing parts we needed to install the tap…

and alas with our “teamwork”- (I found the pieces !! and I used my phone a torch light- crucial essential elements) we as a team managed to install the new tap. To our great surprise, it worked~ but yeah the tap is still very loose…not sure how we can fix that…

I think plumbers usually change taps and things like that…but my parents are more stingy on spending money to get things done properly, when they can give it a crack themselves…

It is however, I observed a strain on the back and painful working upwards…

I so much more appreciate the hard work plumbers do.

 

An ‘adult’ conversation?

Wow..I have updated in almost two weeks…it’s not that I didn’t want to update..its just that every time I sat down in front of my laptop…all the ideas that had popped into my head throughout the day was gone..

No motivation…Just didn’t feel like blogging.. It felt more like a chore than a hobby that I liked…

I tried on multiple days to write…but nope. Just nothing. Zilch. Nada.

I decided to take a break and today was the day I finally found some time to open this and write whatever is in my head. No plans.No crazy rants or ideas this time. Just writing about not being able to write.

I am not sure what’s wrong? Maybe it’s the weather? It’s rainy and dreary lately…no Sun…just feel like sleeping all the time and keeping warm.

I am sure its not just me, other people in the entertainment industry, artist, actors probably get to a point where they are like. Nope. Can’t force this anymore. Need a break.

Anyways, some good news to share with you.

I had what I would classify as an “Adult” conversation the other day! I was talking to a friend about how much we needed to save for a deposit on a house..I was showing her houses that I was interested in and the estimates for all the fees and levy’s we would have to pay. She pointed out that we were having a very “adult” conversation. A year ago I would not have been having such conversation…it would of been a much different one.

This allows me some time for some reflection…Things aren’t perfect right now, but I think they are alright. There is still things to do to make it better- as it will be for the rest of my life. But I am super grateful for how far I’ve come in this journey to become an adult. Whatever that is. 🙂

Thanks for following me on my journey 🙂

 

 

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