Day -1

I can’t believe I am finally leaving tomorrow.

I am writing this as I am waiting for my last shift at work to finish…I have said good bye to some of the long time methadone and suboxone patients.. it’s surreal. I am going to miss this side job I had…

My permanent weekend side job stuck with me through the thick and the thin…through the uncertainty and unknown. It’s been the source of comfort and a stable income for once. I think this was my first permanent job. Not a short contract, casual, or intern and I got to say I have loved working for this company and this would be a company I would come back to work for again. I worked there as a student …I worked there as a pharmacist…and hopefully I can come back as a full time clinical pharmacy staff in the future. But who knows what working in Melbourne is like.

I’ve been doing small last catchups before I leave…eating out everyday…it’s sad. it’s a good bye but not a forever farewell. Home is always where my family is and I will come home …when I can. With the Coronavirus raging on in Melbourne (where I am going)…It means that I will be banned from coming back to my hometown in Adelaide..unless I am an essential worker.. This might mean the only way I can come back is to find a job back in Adelaide as an essential worker.

I played my last game of badminton in Adelaide yesterday night..boy did it feel good. I am gonna miss it :(.

Have to try seeing if all my luggage will fit in my tiny car when I get home today. wish me luck. 🙂

P.S I have recorded one last podcast that I will be uploading soon..about cars of all things!

2 days to go…

Been soooo busy these days.. doing lots of things.. but also feeling like I am not doing anything productive…

Been going out wayyyyy too much. I am not a very sociable person, so sometimes its a bit awkward…but I don’t regret it. It makes me feel sad that I am leaving behind all these wonderful people whom some I haven’t seen for months and months! It’s only because I am moving away that I am seeing them..

Packing… it has started and what started as one suitcase has turned into two suitcases, 2 crates, eight bags of clothes, and one more to come.. dont forget the badminton stuff… gym mat… laptop.. chargers.. last minute toiletries…hair dryer… contacts lens… pillow quilt.. soft toys.. snacks and drinks for the trip..I feel like I want to bring everything.. but my car is tiny.. ;(

So much to do.. but so little time 😦

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…

Will I miss Adelaide?

I have been thinking lately…this might be the last time I go here, do this, see this person. Is the only way I will miss Adelaide is by leaving?

I took a good long look at my backyard and I remembered all the memories that I have had in my childhood…it feels really surreal that I am leaving soon.

I will miss playing badminton with my friends for sure. I am scared and afraid of trying to make new friends in a new city :(.

I am going to have to learn how to cook for myself. Eek…I hope that I won’t starve…

I am going to miss eating out in Adelaide, especially eating out..gymming…since Melbourne is locked down at the moment due to Covid.

Things to think about when renting a place

Looking for accommodation is such a headache. But honestly, I think the more headache now, the less headache later…Finding the (near) perfect place will make a life that is more comfortable and you aren’t stuck in a lease with terrible house mates.

I am not a big fan of share houses, but I have lived in one before (in Japan), which wasn’t too bad! But, this is Australia…Melbourne…I feel like I am not ready for sharing my life with others who love alcohol or partying…

I have come up with my own list of things that I want in a rental property:

-Own ensuite bathroom and shower…I like the ability to taking a shower when I want..and I don’t want to keep moving all my cosmetics and hair washing stuff every time.. LOL and I am scared of germs.

-No-Smoking!! Or drugs! Or alcoholics! I just can’t stand the smell of smoke, drugs, or alcohol.

-Not very sociable people please…I don’t want to be kept up by party animals. I need my beauty sleep.

-I don’t mind pets…I actually would love to live with a dog or cat…as long as they are toilet trained…don’t eat my stuff, and friendly …xD

-Clean people…people who clean up after themselves…I HATE cleaning up other people’s messes and sharing a place with someone dirty…eeek

-If in a share house, I def want my own lock on my door…because I don’t want to worry about people going into my room when I am not around.

-Private parking on-site (preferably) a bit worried about street parking…because apparently there is higher crime rate in Melbourne.

-Heating and cooling.. I am super sensitive to cold and hold temperatures..LOL

-Safe neighbourhood and low crime rate..I am willing to pay more to feel safe!!

-Shops nearby for easy access to groceries.

-Nice restaurants nearby for takeaway for those lazy days.

-Quiet street and not too many cars or near a railway/airport…etc.

-Furnished…please..I don’t really want to fork out all that money to buy furniture when I am renting and also not sure how long I will stay in Melbourne

-My budget is max $250 a week..LOL…I feel like I am going to be broke renting and living in Melbourne T_T

-Having public transport nearby would be handy if I don’t want to drive to the city etc.

-Nice friendly neighbours…

These are personally the things I want to look for in a share house…I have such high expectations..I think I am better to rent my own place. LOL.

Having multiple job Interviews and offers

Whenever I am looking for a job, I don’t just apply for one job, I go far and wide… in the hopes of getting something and hopefully getting to choose. I mean you sort of don’t want to put all your eggs in one basket and hope for the best…We are humans 😦 We have to work for money when we are young so we can retire young and with enough income, (more on that in another post).

So what happens when you get multiple offers of interviews and during your job search you get offered a position? Depending on the company, some give you plenty of time to think about accepting, while some need the answer ASAP, because they need someone to work NOW.

I don’t think there is ever a right or wrong answer to this question. Sometimes, the job that you got an offer for would make you so depressed and sad…so much that you regret not considering the other options that were on offer… However, we have to factor in different aspects, is it contract? Full-time or part-time? Casual? What are my future career prospects? You can’t figure all that out from a job interview…you have to experience and get into the job, learn the ropes, and know the people to make that decision.

Like I said yesterday, high risk means higher returns right?

I had to reject a job interview today, but I thought about it long and hard before writing the rejection email. Would I have gone for the interview if I hadn’t already had a job offer? Absolutely. But, I have accepted an offer, and I don’t want to be the one to back out now. Fingers crossed there will be no regrets later. I personally wont do well in an interview for a job I don’t really want at the time..I feel like it would be so half-hearted…and I am not giving it my all.

I am so excited, yet so terrified! The borders between Melbourne and Sydney are closing at midnight tonight…if I go to Melbourne, I don’t know when I can come back to Adelaide. Apparently, Adelaide may close the border between us and Melbourne completely soon too…It means no one can go in or out with a very good reason (i.e. emergency…). It feels like I am stepping into a warzone, just a bit. Melbourne recorded its record number of new cases today.. Almost 200..The place is still in lockdown…so eeps.

I asked for an interesting life and I got it. I will keep updating this blog through my transition to the Covid-Central of Australia, lol. Stay tuned.

How to be comfortable #forever alone

There are going to be times where you will be alone, whether driving to work, going on work vacations or if you don’t know anyone in a social situation…or even during Covid lockdowns. I think it is always useful to have something to do in case you have time to kill and don’t want to waste it.

1. Have a piece of technology with you at all times…most likely at least your phone…so you can use it to surf the internet, use social media, or write ideas for future blog posts…

2. Have a book to read…Whether a light novel, autobiography or whatever. It is perfectly acceptable to sit somewhere to read, you would less uncomfortable with a book than without. Can even read manga or ebooks from your phone like Webtoons! Or listen to books being read out loud on Audiobooks etc.

3. Have some good music to listen to. Emo music is great.

4. Get a pet. Dog, cat, fish, or turtle etc. Even plushie or bolster is fine. xD. Anything you can cuddle really….

5. Learn how to play an instrument..but don’t spend too much on your first instrument xD you can learn from Youtube videos.

6. Just learn to love yourself and to love the friends and family around you. You can do this with the help of Apps, self-health books, psychological services, or just spending time on yourself.

7. Maybe get a plant? But only if you can keep it alive, nothing is more depressing than a dead plant in the house :(.

8. Watch online streamers or even start streaming yourself! Maybe a good way to connect with other people or make new friends.

9. Get into the stock or share market!! Why not use all that spare time you have being single and grow your investment portfolio and become a bit more well off than you are now. Also look into your Super Fund and see if they are really growing your supperannuation for you or is it time to choose a different option for yourself.

10. Work out and get yourself the best body you can have! Go to the gym as much as you can, get fit, and get healthy..or play a sport, like badminton!! I guess this is good for making friends and socialising as such, if your area let’s you go back to indoor spoorts that is.

I am guessing the reality of these things I listed is because when you DO eventually get into a relationship, you most likely will have less time to yourself and to do what you want. Why not make the most of this single prime time and make it your time..

-#Foreveralone

I am big big girl in a big big world

There was this song that my sister and I liked when we were younger called “I am a big big girl in a big big world”...and that’s how I am feeling right now.

I am just staring at the word BIG and it looks so weird. lol.

I just got a call from the interstate job I had an interview and I got told that they would like to offer the position to me- as long as I pass my police clearance and working with children checks etc.. !!

Exciting news…It hasn’t even sunk in yet and I am already stressing about how I am going to move myself and all my shit down to Melbourne…

Speaking of Melbourne, it is currently the Covid-19 hotspot in Australia…it seems like we have a smaller but surely a second surge of cases in Melbourne. There are currently some areas in which there are higher numbers of Covid Cases in Melbourne that are under lockdown, while the rest are free to roam with restrictions.

Adelaide, however is back to normal ..almost. There are still some restrictions, but at least most things are open already.

There are so many things to think about in the move..where will I stay, how will I get there, should I bring my car? WHERE WILL I PLAY BADMINTON?!

But anyway, I will worry about that more tomorrow.

Last Day

Last days are so awkward.

There is a swirl of emotions.

Happiness. Sadness. Regret. Anxiety.

There are people that you may never see again.

There are some you want to say Good Riddance forever to

Then there are others that you want to hold onto to.

So many memories are made…both the good and the bad.

But, you appreciated the journey.

You learnt something new.

You grew a bit as a person and as an adult.

And you are one step closer to where you might want to go.

You’ll miss it, but you don’t know if you would go back given the chance.

But maybe you will have the opportunity one day.

Who knows?

You gotta sometimes Cheer yourself on

 

When the going gets tough and there doesn’t feel like there is anyone in the same boat as you…Sometimes you have to be your own cheerleader.

Maybe it has something to do with positive thinking and mindset, may be it has something to do with loving yourself.

You can do this and you can say I believe in me.

Being in Debt forever :(

Since starting university back in 2009…I have accrued a massive and ever growing student debt… Australia is good in a way, that people with low income can still be able to go to University and to do further study. But, as a kid, no one told me how expensive it would be to finish a course… let alone for someone like me who jumped around doing three different courses over the first 2 years, because how are you supposed to know what you want to do when you are at a ripe age of 18?

While it is great that we can borrow the money for our student debt, but it is a bit depressing to see how much money we owe to the government and the increasing interest that is charged on it.

When I was younger, I did not think much about the debt…but now that I have become more interested in my financial position, I realised I still have this massive 50k unpaid student debt…and each year they are charging another 2k worth of interest….!! *EEK*

But, do I really want to use all my savings to pay for my student debt? Not really…I need that money now…but sadly I foresee that debt is going to be there for the long term. 😦

Was it worth accruing that massive debt for the benefits from studying to become a registered pharmacist? I am not sure really. =s

The Australian government will automatically deduct payments from our salaries once our income reaches a certain threshold…However, until recently, my income has been lower than that amount…I wonder how long until I can be debt free? To be honest, even though I have paid off some of it this year, the interest that keeps getting added to it means that the payments aren’t even touching it :(.

Financially Literate

Lately, I have been doing some adult learning (imo). I have been trying to learn more about money through various podcasts on money. AND BOY is there a lot of things I don’t know… As a young one, I have never been that interested in money and my parents did not teach me much about it, except that it was precious and we didn’t have much. *sad face*

What even is Super?? How does it even work??

Through the last year and a bit, I have encountered terms like Salary Sacrifice, Life Insurance, Bonds, ETFS, mortage brokers, credit scores, and Stocks. I think I’ve grown up a bit now that I have become interested in money, or should I say in the fancy adult word, finance.

Studying in the health sector for 5 years has allowed me to become health literate, maybe a bit too much (those wrong self-diagnoses LOL). I did not understand why some people had poor health literacy and make such bad health decisions (every 1st generation child of a migrant would understand). I have always thought that was sufficient enough to keep me healthy and sustain me through life. However, I have only just realised I am seriously financially illiterate (and many of my friends are too)! I have never really did any check up on my money and just thought putting in the bank and getting a little interest was enough to sustain me for life. LOL.

I have realised, that if you want to look after your finances well, you need to take some time and think about what your saving goals you are aiming for and to make a budget (of some sort). You need to think about where you want to invest your money, because leaving it in the bank, while it is safe, it typically has low interest rates, and hence low returns.

Your super fund is basically your retirement fund, as a young kid in my first job, I always scowled at how money from my pay went into this “SUPER” fund that I couldn’t access until I was like 67. BLEH. What if I didn’t even live to that ripe age? Gimme my money now! Is what I probably thought. But, when I am old and wrinkly, and when I get to receive that money in my fund, hopefully I will be able to thank my younger self for working so damn hard for all those years to build a better retirement future. I don’t really know how supers work, but in my limited understanding I think they use your money and a good company hopefully will use it to invest and grow the super. However, for those with multiple super accounts, they might be paying a whole bunch of fees that they are unaware of.

There is still much to learn about money and finance and surprisingly, it is becoming more interesting and appealing to learn about money. $$

I ask my self, Have I stepped another step towards this holy adulthood? As I sit on a chair wearing my snoopy PJs and thinking about how it would be great to not go to work tomorrow. *Sad face*

Passive Income

As a kid, I have always thought…the only way to make money was to work for it or win the lottery. I didn’t know or even think of all the other possibilities that are out there to make income and I have decided to make this post as a brain storm of the ways I think you could make money in addition to working your ass off for it. Wouldn’t it be nice if you didn’t have to depend on your ability to work for an income and basically I guess is when you can say you are comfortable.

I am going to set this in groups of High Risk- High Return, Low Risk- Low Return, and inbetweens.

High Risk and High Return:

-The stock market and buying volatile shares that can dip up and down, but potentially could make you a lot of money.

-Gambling large amounts of money at Casino.

-Hedge Funds/Start ups

-Signing up for a long and highly invasive Clinical Drug Trial

 

In between:

-Investment Property (depends on the house and location). Could also be doing things like homestay or Air B n B.

-Starting your own small business

-Becoming an social media influencers- Blogger, vlogger, instagrammer… and having a Patreon or Go Fund Me page

 

Low Risk and Low Return

-Investing in safe shares, such as the big banks or supermarket chains and receiving dividend payments periodically.

-Long term deposits in the bank.

-Pokies Machines

-Working a 9-5 day job 😦

-Selling your old shit – Marie Kondo your house!

-Government welfare payments 😦

 

This is all I can think of now…but I am sure I will find out some more and update this when I do!

The Breaking Point

I think we all have a limit.

A point where just one small thing can put you over the edge.

Something small that usually wouldn’t bother you.

But you have had enough.

I think you know it’s happening, even when you try to convince yourself everything is okay.

People think you are fine when you are barely holding yourself together.

You try to brush it away, pretend it is not real…BUT IT IS there and it eats away like you like an internal parasite.

The parasite is eating away at your and slowly it takes over your whole body.

Slowly you become an empty shell…Where you feel nothing, care about nothing, and do things you didn’t care about.

It’s a ticking timebomb and someday…you are gonna explode.

Then you will know.

It’s too late.

You’ve reached your breaking point.

The easing of Covid-19 Restrictions in Australia

Considerations needed before lifting the restrictions in Australia during the pandemic.

Now, more than ever, I think it is really tough to have the top job in Australia, because you have to make difficult decisions of whether you choose to open up the country again or to stay in lock down to prevent the spread of Covid 19. There are both good and bad points about lifting the restrictions in Australia and this post will examine this in greater detail.

Scott Morrison who is the current leader of Australia has made some pretty sensible decisions during this global pandemic in my humble opinion. One decision that I praise him for the plan created to lift the restrictions that have been implemented in the  last month or so. He has left it up to each state and territory to make their own decisions to which phase of the restrictions that they will lift and when. This is good news for Australia’s currently ailing economy because millions of workers have been out of jobs and many are currently only surviving on government handouts. However, the large amount of money that has been set aside for government handouts is not an endless supply and sooner or later, the government will run out of money to support those people. By lifting the restrictions, it means that people can go back to exercising in their gyms, partake in religious activites, and enjoy recreational activities like going to the cinema. I believe this will have a positive impact on mental health, which unfortunately has declined dramatically due to the social distancing restrictions leaving people socially isolated from their normal support networks or from losing their jobs. Sadly, the number of calls to police for domestic violence related incidents also have more than doubled in places like Melbourne, which has been in strict lock down for weeks.

In saying that, Australia has just started entering the cold, winter months, where the   threats of influenza and other illness will also be another issue to consider. By relaxing restrictions it can mean more clusters of Covid-19 are able to break out and there will not be the restrictions that have been in place to help stop it from happening. When rules are relaxed, people can become complacent again, and lead to a second spike in the number of new cases in Australia. There is the risk of many people dying from the disease, and this is especially the case for those vulnerable people, such as the elderly or those with chronic health conditions. Another issue to consider, is the risk that we will again run out of personal protective equipment that protects front line workers from contracting the Covid-19 virus and whether or not the health care system will be able to cope with the subsequent outbreaks.

The risks of benefits of lifting the restrictions put in place to stop Covid-19 is one that needs to be carefully considered and implemented. There is a need to restart the economy and to help get people back into the workforce as there is only a limited amount of time that the government will be able to support so many people. However, careful plans to ensure that a second outbreak  in Covid-19 cases doesn’t happen is also essential to have.