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.

The benefits and pains of wearing a facemasks

Since I have come to Melbourne I have been wearing a mask daily and have made a list of the unexpected perks and slightly irritations from wearing a mask.

Benefits:

Obviously to protect yourself and others from coronavirus …

Covers up pimples

Don’t need make up on bottom half of the face

Protection from the sun?

Don’t have to fake smile at people

Don’t have to talk to people if you don’t want

Can look happy or sad secretly

Can yawn whenever and people can’t tell discreetly

Could possibly eat things that smell bad and people won’t be able to tell

Less people smoking in public!

Makes some people look better

Not so good things about masks:

If you don’t have one on (because you want to drink water or eat a snack), you feel guilty and that people look at you weirdly.

I can’t snack as much as I would want.

As above, I’ve been drinking less water. 😦

No one can hear me when I talk and I can’t hear other people.

I can’t tell who is talking to me :(.

Can’t recognise people in general.

The mask plus the faceshield really fogs up the shield or any glasses I am wearing…

Face gets itchy ..

What I have learnt from wearing a mask for 3 weeks:

Feels so good to not wear a mask at home!

You really have to stare at people’s eyes to try tell if they are smiling or not…

It is fascinating to see how people look under their mask…so many people look so much better with their mask on..weirdly! Or maybe it’s because they only put eye make up on? ? ahahahha…

On a different note, I have to collect something from the post-office because I wasn’t home to collect the delivery…sadly their hours of operation are seriously cutting it close to the time I am able to collect it. FINGERS CROSSED I will be able to get it post work tomorrow.

Today was my first day at the hospital in whcih I will be at for the next six months…I am still feeling quite shy and cautious about all the differences that I may face while working at the hospital…however, there are quite a few pharmacists from overseas…I am assuming that would be more different?!

I hope tomorrow I will make more progress and be more confidence and be able to contribute more to the team…

A reflection on Adulting

Adulting is..

Holding back when you know you are right..but want to avoid unnecessary confrontation and conflict with difficult people.

Paying bills and learning how to save money for the future…by collecting points…buying shares..investments…salary sacrifice…caring about your superannuation.

Enduring difficult circumstances, because you need the experience, money, and know it’s temporary.

Learning how to eat right and not just eat what you feel like (i.e. Maccas every day).

Making exercise a priority and not just an option for when you are free.

Working hard when no one is looking because it aligns with your own values and no one forced you to.

Writing emails in a professional manner, because you need to sound like an ‘adult’

Throwing away those young hipster clothes…coz you gotta look professional now..

Encouraging others, even when you so deeply crave encouragement yourself.

Making time for those important to you, when you barely even have time to sleep or look after yourself.

Enjoying the simple pleasures in life…

Finding that doing chores is therapeutic… like cleaning the room…folding laundry…washing clothes..ironing them wrinkles…washing those dirty plates and making them clean.

Realise you need to take breaks, spend money, go on holidays, do NOTHING sometimes.

Realising you are still the same kid you were..but you gotta pretend you are an adult and also realising you parents are just kids that are older than you.

Finding out you can’t have it all at the same time. But that things come in seasons, periods, and there is a time for everything.

Finally understanding that adulting doesn’t meaning ending up where your parents are and doing what they did.

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?

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 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.