Being Environmentally friendly to your money

I was having this thought and discussion this week…about how being environmentally friendly can lead to you saving money in the long run.

It may seems costly at first to invest in environmentally friendly products, but in the long run it can save you money as-well as help save the planet.

For example, instead using disposable forks and knives at restaurants/takeaways, how about bringing your own travel utensils kit?

Then there’s reusable drink bottles that can be refilled time and time again. Everyone also knows about the metal straws, which are also resistant to heat.

Food wraps made from beewax are costly to buy at first but think of the money saved from using disposable clingwrap.

Having reusable calico or strong bags for shopping, so you don’t have to pay for a plastic or paper bag. They also tend to be stronger , more durable and versatile, and bonus some have cute patterns!

Solar panels! Expensive upfront costs, but over time they help power your house and also can earn you money when you produce more electricity than you can use, so it goes into the grid.

Water tanks!!! Most people have water tanks in their gardens (if they have one). It is great for watering plants, cleaning cars, or to be used for flushing toilets in the home. Save money on water! Why not?

Riding a bike for short distances. This equals exercise AND transportation, as well as being fun for some people.

This is all I can think of for now, but I think you get the picture, but being environmentally friendly, you can also satisfy that stingy, money saving person in you 🤣

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

Day three (I think)…Haven’t moved in yet

So I finally got my keys today. But, as with all things, there are mishaps when you want to move in, the property manager called and said there was a crack in the shower floor and it might leak water into the unit below…so I had to wait for about 3 hours for a plumber to seal up the leak…and then I am not allowed to use it for at least 24 hours apparently.

Anyways……Whilst waiting for the plumber…I went up and down the stairs around 13 times..! As I had to move everything by myself I was only able to carry a little at a time..boy was it a major struggle trying to drag what seemed like a 30 kg suitcase up the stairs…

It felt SOO good to finally unload all of the crap that has been weighing down my car for the last few days and consuming so much more petrol than normal…soo good..but it took me ages to get everything out…I miss the days when I was living at my house in Adelaide and the car is soo easy and I don’t need to lock my door and the front door every time I leave the room.

As my aunties and uncles told me, I needed to make sure I documented with photos and videos the place before I moved in, just in case I get told off for damaging the property and losing my bond when I move out…I have to say, there was a lot of stuff that I didn’t realise was there previously..a greasy microwave, a dirty fridge, dusty bed frame, dusty everything! Also, the mattress itself was disgusting… the previous tenants obviously didn;t use matress protectors..coz there was all these blood stains and other stains on it..EWWWW..I tried getting rid of the stains with the antibacterial wipes…but not much luck sadly…..I also found out one of the desk lamps don’t work, not sure if I just need to replace the lightbulb…I am a bit scared to change them lol…I used an entire pack of antibacterial wipes to cover almost every surface (that I can reach) of the apartment. It just felt so unclean..not knowing who has touched that surface or when it was last clean. I then proceeded to spray Glen 20 (an antibacterial spray) literally on every surface and on matress. Then I opened the windows to air out the place a bit..who knows how long it has been vacated for..

Then I started unpacking..it’s a bit hard to say where I will keep stuff at the moment…Most of my clothes are still in the vacuum sealed bags…coz I haven’t decided what to do about them yet..I am not sure if I have enough clothes hangers either..I just grabbed a whole bunch and didn’t think about it too much… When I took them out, it didn’t seem enough…but we’ll find out I guess!

I opened up the big fat suitcase and started taking out sanitary pads, label maker, dishwashing liquid (I don’t know why I bothered to buy it all in Adelaide lol), face masks, more face masks, and random stuff that I bought in Adelaide. I unloaded all the snacks that I received and I bought before my long trip to Adelaide…and yes unboxing all my new appliances..like my kettle and air fryer…and the water filter jug…sooo sleek looking…I love it…I had to try decide where to put stuff and I am still working on it..I guess the top draws are the more frequently used stuff and bottom is less used things…so u don’t need to bend too much.
After I had enough of packing..I decided to stock up on some food..since all I had is instant soup, the snacks, and some instant noodles from my aunt. My aunt said there might be some issue with food shortages happening because the supply change is being affected and told me to stock up on frozen and long-life products.

So me being me, just wrote a list out, but didn’t really follow the list when I got there. I used a plastic bag to put groceries in when I got into the supermarket…then it got really heavy with all the canned foods, pasta, and pasta sauce I bought…so I took a basket and pretty soon that felt like it was going to break…so I decided to pay for this basket full of stuff first and then go back in with a trolley.

I spent wayyyy too much…but I need this stuff to survive…who knew living alone would be sooo expensive! It would be nice to have someone to share with…it would be a lot cheaper…but then again…the perks of living by your own rules and the design feels great! I bought a whole bunch of frozen food…vegetables, chips, fish, DUMPLINGS…and I bought fresh bread to put in the freezer… I also bought 2 bottles of long life soy milk…and yeah …canned fish, canned chicken, canned vegetables, and 2 cans of spam. I think there was a limit of 2 of each item in the store….Since my aunt said I need staples like flour, sugar, (I forgot salt), mayo, tomato sauce…I bought these also…So $$$ buying all this stuffs.!! I also bought some kitchen scissors which should come in handy. I went ham on the disinefctant…well not too ham since there is a limit of 2 items per person…but yeah there is SOOO many and like …I am so confused so i just grabbed whatever is cheapest. Also got some disposable hand gloves, reusable hand gloves, something to clean the toilet and something to clean floors…and window wipes…and air freshener!! Antibacterial hand soap!! LOL. I am cheapskate now I am living on my own. I’ll try to survive on the cheap stuff before I can invest in more expensive stuff…Cheap cling wrap, flour, sugar…lol.

I saw they had a $20 rice cooker…should I? How often will I cook rice anyways? I bought 2 packets of microwavable brown rice in case I felt like it.

What I haven’t bought is cleaning applicances..like a mop, a dust pan and sweeper…or anything like that…vacuum cleaner…I did notice a small hand held car vac in the apartment…maybe it was left behind by the previous tenant? I am not sure..didn’t try it if it works yet…will try tmoro…maybe that would be sufficient to clean my small apartment?!?! I really want a Dyson Stick vacuum tho….but soo $$..>gotta be more careful with money now that I am paying so much in rent per week T_T

So exicting and so exhilarating to be living in my own place!!!!!!!!! Still so much to do however!

Priorities in Life

I think I have said it before, but there is a time and place for everything.

There is a time to save, a time to spend, a time to invest, a time to just work your ass off.

Everyone harps on about work-life balance, but what and who really determines what value you put on each area? Is there a perfect number? I think it is more a subjective thing and it will change through the seasons of your life.

I believe our priorities change as we grow…In high school, all I ever wanted to do was graduate and be done with school. Then in Uni, I just wanted so badly to pass my exams and to finish my course. I started working and then all I could think about is how much I missed my friends at uni and all the free time I used to have.

People my age are getting married, having kids, working and planning their life.

I suppose it comes down to our values to what we think is important and that occupies our time.

Credit Card Woes

I have had my credit card for less than a month..and oh BOY they really do a great job of trying to trap you to spend more than you earn. :(. I think I have spent more money in the last month than I have in this year so far…that’s terrible :(. But I guess, I try to reason with myself, these things are necessary…but are they really?

Did I really need to splurge on the newest iphone model, or could I have gotten a cheaper but older model? Did I really need to get that fancy epilator with 5 different ways to use? Did I really need to get my car serviced at TOYOTA when I could have done it way cheaper anywhere else?!!? As I think of my spending habits and question whether I am wasting money…I think it has made me rethink my choices. I understand why some people can max out their credit cards…it’s just so easy..Just pay wave this, pay wave that. You don’t see the money come out of your account straight away, so you think you can spend a bit more. It’s ADDICTIVE and you tell yourself, it’s okay…I can get points for every dollar I spend! You think about the long run about what you are saving up for. But are you really?!?! IF YOU ARE SPENDING MORE THAN YOU SAVE?

So many questions. But anyways, I have got my first statement from my credit card and I am pleased to say I have paid it off. But, this month’s bill is gonna be huge 😦 eeks.

Be careful guys, staying at home makes it so much easier to buy things online that we might not need!  Just rethink if you will regret the decision later.. >.<

Brand Loyalty

So today, I did a dumb thing. I accidentally dropped my non-water proof iphone 6 into the toilet…It was my first and hopefully  last time to do that. I freaked out..!! All the germs that must be on my phone! So I did the stupidest thing possible, I ran it under the tap to wash it. Then I tried to dry it with a towel, then I disinfected it with an antibacterial wipe. Yes, it’s probably clean, but also I have unknowingly (?) caused water damage to my phone. The screen is like all messed up, the touch ID finger print sensor doesn’t work anymore, and it permanently says I have headphone plugged in when I certainly do not. So basically I have a phone that you cannot hear from, cannot use touch ID, and has this white glow in the middle of the screen. Fingers crossed no one will call me in the next few days until I get my new phone.

So I bought a new iphone outright on a whim. THIS IS THE PROBLEM WITH HAVING A CREDIT CARD!!! I will write a separate post for that. Extra time to pay off my large purchases? Yes Please. 😦 . I have decided to upgrade to a iphone 11. Currently I have a SIX. Which is basically ancient and was dying before I dropped it in the water…So it was sort of good timing I GUESS. Why did I get a new iphone? I can’t explain it. I am not interested in other phones anymore…4 years ago I got my first iphone and have fallen deeply in love with it, then it spiraled out of control from there. After my first iphone, I got a second iphone 2 years later…then I splurged on a MAC BOOK AIR..and this year I got Apple airpods. What’s next?!?! Probably Apple Smart Watch when if and only IF my fitbit ever dies or I lose it again. It just makes sense to get another Apple product to complete my collection. I just love all my Apple products.. HECK if there was an Apple car … TAKE MY MONEY? Did I tell you I have the Apple sticker on my car, in my poor attempt to make it an apple car? Lame. I know. But this my friend, is BRAND LOYALTY.

It can start off subtle, when someone you know takes out their iphone and it’s SO SHINY and apparently the battery life is great! You compare it with your shitty android phone with bad battery, and think to yourself…Let’s try getting an iphone next time! THEN you are hooked. Probably hooked for life. It’s not just phones as well, it’s cars, vacuum cleaners, hair straighteners, clothes, skin products.  I think we as humans have just made brand loyalty as part of our DNA…and addiction, a habit…and it starts with those around us like our parents influencing us. I have a Toyota because my parents usually bought toyotas. My sister bought a GHD hair straightner, so I also bought one. I bought an iphone, then my mum and brother followed suit. Heck, we even make habits of even where we choose to cut our hair and hence because of Covid I haven’t had a hair cut in almost 10 months because my hairdresser isn’t open :(.

My point in all this is (if there is a point) to raise an awareness of our brand loyalty. Why are we so loyal to that brand? It most likely would be because of the product’s reliability and how durable or how well it functions. I trust Apple to always make a good quality, long lasting, and sleek looking devices. I know it may seem over-priced, but I rather spend a bit more on something I will really love using and look after, than something cheaper which I don’t love.

What brands are you addicted to?

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 😦

Not Everyone is cut out to become a Parent

Once a couple has been married a few years, the natural questions they most commonly will be asked is, “So when are you having kids?”. Our current society has this expectation of young couples to start families, ASAP. However, we are often forgetting that life just gets busier and busier. People are more focussed on building their careers, travelling the world, and doing other great things, it’s hard to stop and try to fit having kids in there. I solemnly believe that having kids is not everyone’s cup of tea…It might be the right thing for one couple, but shouldn’t be expected for every couple out there.

 

Don’t get me wrong. I don’t hate kids. I absolutely LOVE playing with my nephew or other people’s kids. I used to serve as a Sunday School teacher for many years…people know I love kids and I am good with them, but that does not necessarily mean I will or want to have my own kids. There is a difference in playing with kids during their happiest times and not having enough sleep for the last 3 months because your kid will not stop crying in the middle of the night. There are so many things that are more important in my life at this time and kids don’t fit into the equation. I am working in two jobs, studying a graduate certificate, and also working on this blog, and ideas for my book. I just can’t imagine having time to fit in kids as well and I think that is absolutely fine. Right now, I am still saving up money to buy my own home. I don’t know how I will be able to afford to raise a child, let alone be able to send them to school, and pay for all those additional expenses. Not everyone will make a great parent, some parents are too selfish and won’t look after their kids properly and this leads to some kids getting abused, blamed, and neglected, their parents shouldn’t have kids. Just because you gave birth to a child, doesn’t mean you will always love them and this is why so many kids end up in foster care, orphanages, and on the streets. 

 

In saying that, I have friends whose biggest goal and dream in life are to become a great mother or father. They feel like it is their life purpose to have kids and to make sure that they turn out alright. The human population would slowly die out if we didn’t have kids, it means there will be no younger workforce to look after the elderly and to take up laborious jobs that older people can’t do. The younger generation is our future and I agree it is important to have kids, but the world is already overpopulated in a way and in developing countries, it is a big issue and that is why China implemented the ‘One-Child Policy’ for a period of time to reduce overpopulation in China. Parents and Grandparents often encourage their children and grandchildren to produce offspring because that is what their grandparents and parents wanted from them. Yes, it is good to have kids, but not everyone should have them.

 

I believe you need to have a calling to be a parent. It’s not for everyone and it is not for me. I love kids, however, I can’t imagine revolving my whole life around the raising of the child and blaming myself if they didn’t turn out well. While the majority of heterosexual couples will probably end up having kids, I think it is absolutely fine not to have kids and instead chase your dream career or other aspirations.

 

How to help a Hoarder Part 2: Non-perishables

Welcome and thank you for coming back to Part two of How to help a hoarder: Non-perishables, click here for Part one. I believe this is an important area to discuss, I am not sure if it is the same as where you are…but every time when I go into supermarkets, usually the toilet paper aisle is empty, hand sanitiser, gloves, facemasks, etc are all gone. So why are people hoarding this stuff? I guess some are doing it because they are selfish, other want to take advantage of the situation and sell it for an inflated price on eBay, and some may be just doing a lot of sh*t? Anyways, here are some reasons and ways to stop hoarding so much!

  • Just have one good product for each of your beauty/hair products.
    That applies to things like sunscreens, moisturisers, toners, shampoo, conditioners, face wash!! What is the point having several hundred bottles of different facewashes, when you already have one good one? Do you have that many faces to use? If you haven’t even finished the one you are using, what is the point of buying another one? When I look at my bathroom…it is full of half-used, unused, and forgotten bottles of shampoos and conditioners 😦 ….and you know what the sad thing is? Every time my parents see it on sale, they go and buy another one!! Just use up what you have already and save space and time.
  • Don’t keep buying extra things, just because it’s on sale or convenient...
    I am super guilty of this…every time I go to a chemist, I used to buy another Systane eyedrop for my avid dry eyes, but I forgot that I already have bought some at home already! So yeah, no point doing that every time…just wait till you almost run out before buying it. 
  • Be considerate and think about other people who might need the products more than you.
    I am talking about toilet paper, hand sanitiser, cleaning products, masks….etc. Why do you need so much of it? Whenever I am tempted to buy something that is rare…I think to myself…do I really need it or do I just want it? Someone else might need it more than you…
  • Think carefully about buying online, because it’s usually a lot harder to return it!
    I hate buying clothes and shoes online, coz rarely does it fit…and be a lazy and time-poor bum, I am too lazy to return it or file a complaint. More often than not, the actual product doesn’t look like the professional pictures that you were provided with…Sometimes the shipping takes soooo long that you have forgotten that you bought it, and then buy another one, either in person or online.
  • Don’t buy something just because everyone else has it too.
    FOMO is real. I know. I feel you. I am seriously jealous about those who have a Nintendo Switch and playing animal crossing. But let’s be honest here, even if I did have one, I won’t make time or have any time to play anyway. It would just sit there and gather dust…so only buy what you really need and will actually use! Be it clothes, gym equipment, books, games, etc…Save your money and the planet!
  • Donate, recycle, or throw away things you don’t need anymore
    Be willing to get rid of things that are broken and don’t keep them just “Incase” something happens! You will end up with a lot of garbage… If something is still good, but it doesn’t fit you anymore, or suit you anymore…think about giving it someone else who might fit it or donate it to charity! You can also put in the recycle bin things that can be recycled and to be made into something else. Think of it like giving something a new reincarnation. But before you say goodbye to it, do as Marie Kondo suggests, and thank the object for serving its purpose, whatever it may be. My brain is fried. I ran out/forgot what I was going to write. Trying to do an assignment is due in two days. To me, it looks like polished and formatted garbage. It’s not my best work…but… mighty GODS above please let me pass. This is my last topic..and it would be horrendously sad if I failed now. T_T.

    Anyways, cheers to hoarding less, having more space in our homes, and more money in our banks!

people having a toast
Photo by Julia Kuzenkov on Pexels.com

Positive Points of the Pandemic

How are you guys? I hope you are doing well? Wherever in the world, you may be at the moment. I was really surprised after posting the previous post about things to do in the Pandemic at home…I had a 4000% increase in viewers of my website o.O!? And the majority of them were from America!! That’s amazing that this humble little blog from a small city in Australia has been visited by so many International guests from around the world. Anyways, I understand now is a time where it can be hard to remember to be grateful for the small things that we still have. I am not trying to say that I am glad this pandemic happened, but I want to point out the things we have learnt and the unusual positive consequences that have arisen from it. If I don’t laugh in the face of adversity, I will cry…so why not laugh?

 

  • I have never seen petrol prices so low as it is now!! In my 29 years of life,…I have neverrr seen it so low! the lowest I have seen it around is 80 cents per litre! That’s supppper cheap… The average cost is usually around $1.30 per litre for Unleaded 91 petrol.
  • I have saved money on petrol not only because it is cheap, but also due to the social distancing restrictions, I have literally nowhere to go after work -except back home! No more driving to badminton or to the gym…or to visit my sister..or shopping etc. So one tank of fuel lasts for a loonnnggg time. Due to people using less petrol for their cars and fewer flights, I guess that’s good for the environment…!
  • I have saved money because I can’t fly anywhere…so even though I have the travel bug, there is a reason why I shouldn’t/can’t fly at the moment. I am super grateful I was still able to go on my trip and come back safely from New Zealand before all the travel restrictions and quarantine rules kicked in Australia. Super super grateful!
  • I have a legit excuse to skip the gym after work … xD I am usually pretty hard on myself and force myself to go, whether I feel like it or not! But, now with the gym closed, I am forced instead to take walks during lunch or after work and enjoy nature. I am finding out all sorts of cute and quirky things in my neighbourhood.
  • As a pharmacist, I always felt like our profession was always undervalued,
    forgotten, and underutilised. Through this pandemic, there have been so many changes to the rules that have allowed pharmacists more authority than ever before to exercise their clinical expertise more than any other time before. It is also highly recognised that pharmacists who are administering influenza vaccines to the public are helping to decrease the burden on the already overflowing GP clinics. We have also been given the (temporarily) authority to change strengths and forms of prescription items so that supply can be given to the patient without prior approval by the GP. Emergency supplies of medication to people who can’t get into their GP have also been approved in certain circumstances.

 

  • Random Strangers have been more friendly and strike up conversations. I remember when I first heard of the toilet paper shortage, I went to the grocery store and bought two small packs. The random stranger next to me asked me why was everyone buying toilet paper… I said, “I don’t know, but I am just going to buy some in case!”.

 

  •  I have never appreciated the supermarket workers as much as I do now and also never felt appreciated as much as now…With their friendly smiles and small talk, it is pleasant to make small talk with them. In particular, the supermarket near my hospital has been giving away free soup to the hospital, police, and emergency workers. I later went to purchase some items after work and told the checkout assistant that I loved the free soup I got today and she said she was extremely grateful for the hard work that we do. I said, “I appreciate you guys immensely too!”. Because I do, without those workers going in every day to fill the stock, we would have no food to eat! In addition, today, I called Medicare to ask about concession and safety net entitlement cards for a patient and the man I spoke to said, “Stay Safe!” at the end of the conversation…I know these are small things and they are from people I don’t know, it just feels nice to know that people do care about each other. I know these are really small things, but they really do…

 

  • Being grateful for a normal life. After this pandemic, I will always remember how good it will be to meet friends, to go to the gym, to play badminton… to attend concerts, do exams, fly overseas…All of these things that I have taken for granted for so many years… I will be super grateful to be able to do all those things again! #grateful

 

  • EVERYTHING IS SOOOO CLEANNNNNN! I love it. We’ve never been as aware of cleanliness till now. Maybe it is just me, (as you can see in my post about being a germaphobe), but I am glad there is hand sanitiser everywhere and supermarkets having gloves for us to use! I like the idea of having personal space of 1.5 metres between everyone…coz even before I hate hearing people breathe loudly near me or get into my special personal space …xD … My dad is guilty of not washing his hands after going to the toilet, thanks to this pandemic I have stressed the importance of washing your hands for at least 20 seconds and using soup! If you haven’t already seen it, you should the video on how to handwash -the proper way by WHO.

 

  • I’ll put the video link here:

 

Stay safe and wash your hands (properly)!!

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?

Grief

Somebody once said something along the lines of, “It is better to have loved and lost, rather have never loved”. I believe strongly in this statement, as we would never have realised how much someone or something meant to us until it is gone. This post will examine a few different aspects of the subject of grief.

I still remember the first time I experienced grief and loss. I was in the week before my final exams in my last year of high school and I was just about to attend a maths tutorial class when I got the phone call. My mother had found my dog, ‘Coffee’ lying on the ground and vomiting in the morning. They rushed to take him to the emergency vet and hopefully they would be able to save him. A few hours later, after the class had finished, I received a text message…Coffee had to be put down, the snail poison he had accidentally ingested had gone throughout his whole body, and there was nothing they could do about it. I took the bus home, and while walking towards my home…the reality became clearer and clearer…he was gone…he really was gone… There would be no one waiting for me when I get home…no one to accompany me on my walks around the neighbourhood…no one to hug and talk to. As I walked into the backyard where his body lay in a box, I broke down in tears and overwhelming sadness washed over me. I didn’t know what true grief was until that day…so many feelings washed over me…Regret. Why hadn’t I gone with them to the vet? I could have caught a taxi…who cares about how much it costs? Money cannot turn back time. Why did I care so much about attending some stupid course that probably won’t be beneficial at all…especially since all I could think of was of Coffee during that time. I questioned myself, did I ever get to say ” I love you” to my dog and appreciate him for all he did for me? All the times we spent together…my first-ever best-friend.

In saying that, after the passing of my beloved dog, who had been part of my family for over a decade of my life…I did fall into some sort of depression, (not that I knew what that was back then)…I did not feel like studying, could not concentrate on whatever I did, and I would tear up when the feelings of grief became so strong that it overwhelmed me. Even now, writing this blog makes me relive those feelings of sadness to me. Grief makes you afraid to love again, because the fear of losing a loved one again is one that is hard to forget, no matter how hard you try.

Grief is a powerful and overwhelming feeling, it is not pleasant, but it is somehow necessary to teach us to appreciate what we have. It is an inevitable part of life, unfortunately. However, prolonged grief can, unfortunately, lead to mental illnesses like depression.

 

 

Can you remember the first time you felt grief?


 

Travel is like medicine for the soul

While I was studying at University, I would always go overseas each year in the Uni holidays, without fail. It was the event that I most looked forward to at the end of the year. It was the sweet reward for my hard efforts that I put in through the year…Working hard to pass my subjects and then working hard after class in my part-time job to save up for my precious holidays. To me, travelling was medicine for the soul. Unfortunately, since I have started working full-time, it has been incredibly difficult for me to go on holidays because this is subject to being able to take leave, and if you have enough annual leave left.

There are many benefits to travelling, this includes benefits to one’s health. It can decrease stress and also be good for the clearing of the mind and allow you to relax. It also has many physical health benefits, because it will force you to get moving around and doing different activities that you normally would not do. It is good for your mind to because you get to become familiar with a new culture and the customs of a society that is different from your own. You get to meet new people, taste exotic foods, and see beautiful things that are greater than anything you have ever imagined. I firmly believe that those who travel have more stories to tell and are more interesting people to talk to and spend time with. Travel can teach us an invaluable lesson in life, teaching you to appreciate what you have, or encouraging you to try harder to achieve what other cities have. Basically, you are going to ‘A Whole New World’. Pun intended.

In saying that, there are a few things that travel is unfortunately not good for. Travel costs money. Usually. A LOT of it. You need to buy flight tickets, accommodation, transport, food, travel insurance, and so forth. It is not a cheap activity, especially if you are struggling to survive day by day, how can you afford to travel? Or if you are trying to save up for a house or something else…it just sometimes doesn’t seem necessary. It can be risky too, especially if you are going to third world countries where you may contract an infectious disease. You could also be at higher risk of being mugged, or a target of scammers because you are a foreigner. For some, who have a fear of flying, water, or motion sickness in general, travel could cause more headache than it is worth. It is also a time-consuming activity, which generally requires lots of planning…and if you factor the time you spend ‘travelling’ it could be days of precious annual leave that is being used up, in which you could be ‘Chilling at home’.

Travel has a multitude of benefits for one’s mental and physical health and allows us to become more culturally informed. However, it is not a luxury that everyone can afford and it also comes with some risks and dangers. However, for me, travel is a medicine for my soul and the longer I don’t travel, the less alive I feel. Even if it is a temporary medication that drowns my sorrows, only for a moment, it is worth it.

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Can’t believe it is 2020.. This year i am going to be posting short like essays like this, which I use as a preparation activity for my exams 😀 …

2020

2020 is a big year. I can feel it already. The year I leave my 20s and enter the scary 30s. !!

It’s a year I want to knock off some things off my bucket list.

One of them being going to New Zealand. Always had planned to go…but because it seemed so close to home, it doesn’t feel like I am leaving the country. I am happy to say I have booked my flights to New Zealand and will be going on the 19th to 24th of March! Super excited…but also feeling a bit stressed…I haven’t found accommodation yet! I think when I finally get a place to stay I will feel more relieved… It’s hard to plan transport, tours, and etc without knowing where you will stay :(. I guess you can call me a homeless person while I am in NZ.

I have also managed to get VIP tickets to meet on of my favourite Jrock bands, ONE OK ROCK. SUPER excited. I have always wanted to see them live…When I was in Japan for exchange back in 2014, I wanted to see them in Japan….however they were touring in the US at that time..so I missed that opportunity. BUT they are coming to my hometown!!!!! So excited. I would have flown interstate to see them…but now no need…so might aswell splurge on VIP tickets which include a meet and greet <3, early entry, a special lanyard, and a wrist band. But most importantly, is that I get to meet them…and hopefully get a photo if I am lucky! None of my friends that are going got the VIP tickets…so hopefully I can make a friend there or find someone kind enough to help me take a photo.  I guess this would be a new addition to my bucket list.

Assuming all goes well in the jobs department, i.e. getting an extension of my current work contract or getting a new job within SA Health, I hope I can save up enough for a house/unit deposit. I am aiming for about 60-80k, which will be about the minimum 20% deposit I need for a house. Gotta keep working hard!

I have applied for the JET program..so this may affect my income levels aswell. But, no fear..doesn’t mean I can’t still be working overseas and saving for my house deposit. I haven’t heard anything back from them yet, so who knows if I will even pass the written part of the application? But at least I tried, right?

To be honest, I am not sure what else is on my latest bucket list…I think the same things that always matter will be there or not…stay fit and healthy… be present with family and enjoy time with my nephew …and be an awesome friend….travel more…finish my study…and get lots more experience in my career and keep working hard for long term goals…Oh yeah keep writing more in this blog..and other stuff which I have much neglected…

Do you have any goals or aims for 2020?

Random Rants: Are you happy right now?

When you earn more money, do you get more stingy? Or do you become more generous?

I find that the more I earn…the more I spend…but at the same time, I also try to be careful with my money. It’s a ‘balancing act’…Earn more..can spend more…thus not saving more.

It’s a conundrum. It’s great you are earning more…but you also pay more tax…and then you end up with less than you initially imagined.

The ability to earn more…means you can afford to go on holidays in which you couldn’t before…do you take the time off and go on a holiday? Or do you keep saving and saving until one day..you can’t work anymore?

Such is life…I guess you have to choose whether you are happy, satisfied with how much you have.

You could be poor and happy. You could be rich but sad.

So many decisions to make…Do you take the risk to do a job that offers you one-two month contracts at a time, with no guarantee of ongoing work? Or do you instead continue part-time work …that also doesn’t offer you any more hours? But it is permanent. Or do you remain casual, which is flexible…but where you get pushed around by the big guys up there…When it’s busy they overwork you, when it’s quiet they don’t care about you and you get no shifts. The instability of life. Choices.

Such is life.