Money Matters

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

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

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

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

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

 

Am I growing up now?

 

2020… What other surprises will you bring?

2020 Values

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

Thanks for reading my random ramble!

 

Happy 2020 to you!

 

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

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?