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.

Interview with a Radiographer Podcast out now!

Interview with a radiographer

Click the link above to hear the second episode of my series of interviews with a variety of people!

This episode interviews a radiographer on their normal duties at work and also what they side hustles are.

Hope you enjoy!

On Sharemarkets

I met up yesterday with a few friends who have also gotten into the sharemarket recently. We shared our resources such as books, podcasts, movies on what we have been using to learn more about the stock market and what we have heard in our ‘research’. We discussed what we should buy, what we have bought, and what we are thinking of selling.

Who would have thought I would have been interested in the stock market 2 years ago? It always seemed ‘too complicated’ for me and seemed like an ‘adult and foreign’, risky and troublesome area to get into. I stuck with safe things like Bank Long-term deposits, saving accounts, and just worked and tried to save as much as I could.

Low risk = Low returns. That’s the way life is, if you don’t take a risk then you are less likely to gain more. Yes, the stock market can be quite volatile… the cost of something can swing depending on what time of the day it is…and it can seem like you are losing Or gaining a lot of money in a short period of time. But the truth is, you aren’t gaining or losing unless you sell the stock. You can keep holding onto a stock in the hopes that it will rise up once again. ..or alternatively you can choose to sell it and lose less than you woudl have if the company takes a downturn and becomes worth next to nothing.

I guess there is always going to be a risk in every you do. I have heard it being said a few times, “It is not about the timing of the market, but the time in the market”. 

You can only start earning when you start investing and building, growing and diversifying. But I think at the same time, you should always have an emergency fund of money to access in case something like a loss of income should occur,

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!

Social Wealth

Whose place is it to determine someone’s worth in society?

Does it rely on age, gender, race, or other physical attributes? Just because someone is physically not as able to move around, does not mean they cannot contribute to society. Just look at Stephen Hawking And Nick Vujoic.

Society looks at a homeless person in the street and decides they are not worth much. However, they may be the mother of two beautiful children who have become a front line worker, they may be the beloved sister in her family. They were a precious child of their adoring parents.

Just because someone hasn’t finished school or gone to University doesn’t mean they cannot go on to do great things, look at the creator of Facebook who never finished his college degree. Just because you didn’t get a head start in life and be born into a rich family, doesn’t mean that you can’t make that a goal for yourself. Just because you didn’t grow up in a family of doctor, doesn’t mean you can’t pursue that profession for yourself.

Who is to judge whether one profession or the other has more prestige or power? Just because a cleaner isn’t getting paid as much as a top surgeon, doesn’t mean that they are any less important. There are so many important people in the world that are looked down upon and shunned in society.

I am not even sure what exactly the point I was trying to make was, but does and should your bank income and your job title determine your social status? Going through credit checks for  mortgages and credit cards, they ask how much you earn, how much you spend, and they are interested in what suburb you live in. We are reduced to a number of facts and figures and we are judged on that. It’s a strange society that we live in. It doesn’t matter if you are a reliable and honest person, if your numbers and statistics doesn’t reflect it.

Got my first Credit Card

I finally got a credit card. Not because I need it for anything at the moment, just mainly to get points and to see what it’s like. I feel like this is another step towards adulthood or maybe not?…I am hoping to be able to personally get enough points to fly to London when Covid-19 blows over..!

 

Credit Cards have become a norm in the society that we live in today. With the lucrative offers of bonus frequent flyer points, free travel insurance, VIP lounge entries, and other incentives, it is almost like another form of gambling. If you pay off your debts in time, you are fine, but the temptation to spend more than you earn is always there and you pay a hefty price if you don’t pay your debt in time. This post will look into the benefits and cons of having a CREDIT CARD!

 

For those who have suddenly hit an unexpected emergency and are in needs of funds urgently, credit cards are a life-saver. It allows you to pay that debt or bill immediately and buys you some time before you have to pay it off. If you are good with money, you can use it a way to increase your cashflow as well as reap the many benefits of having the card. Other benefits including earning points on normal everyday purchases and which then can be exchanged for things like plane tickets or gift cards at supermarkets. Other lucrative benefits also include things like complimentary travel insurance, free lounge entries at airports, and other deals depending on the card you have. It basically enables people to purchase expensive items and pay it off over a longer period of time. For those who are struggling to make ends meet towards the end of a pay cycle, this is life saver to enable them to still be able to pay for rent, food, and other necessities before they get paid from their employers.

 

In saying that, the temptation to spend more than you earn has leads to many Australians into debt. By living beyond your means, you pay the hefty price of interest rates up to 20% for the amount that is owed. You could potentially end up losing a lot more money than you could save from having those points. This could lead to people turning instead to things like crime or theft in order to make a living. Financial crisis can also a very stressful thing to be in and is one of the causes for mental health breakdowns.

 

While credit cards may be great for some people who know how to manage their money, for others who do not have good self-control, it is a trap that is best avoided. Despite the huge number of tempting benefits of having a credit card, it is something that needs to be thought of carefully and not for those faint – hearted.

 

Keen to know your thoughts and do YOU have a credit card?!

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?

Experience?

I woke up today and I was working on writing a job application for a senior pharmacist position…and as I was thinking of all the different pharmacies I have worked and all the different roles I have had…and realised I am an experienced pharmacist…even though I don’t think I am… I have achieved much and experienced much… I don’t know everything, but I know something.

Applying for jobs is about selling yourself, your knowledge, and your experiences. Some talent in writing is needed here…you want to make it seem like you have done more and learnt more than you probably have…if you undersell yourself, you won’t even get a chance to progress from paper to in-person interview.  That reminds me, I have another interview this coming week… It is part of the same company I am currently in..but a different branch…further away from my house… but hey, stability in finances comes with a cost. I love my job now, but having short contracts constantly and not knowing if I have a job next year is scary…and I need to do my best to grab whatever opportunities there are… Otherwise, I won’t be able to save up for my house :(.

I feel really lucky now…Even though at times it’s frustrating…scary… tiring.. and exhausting. I think there will come a time where I will look back, and say I can’t believe I made it that far…by working so hard! You reap what you sow and if you worked hard…your efforts will pay off.

Going to a house inspection later today…I finally have a day off! So I might as well use my time wisely.

In other news, yesterday I heard from a colleague that another colleague had suddenly passed away..No one knows why. They were young. Lot’s of potential and a funny person. They will surely be missed. But it reminded me greatly about the uncertainty of life and the experiences we have interacting with each other…If you treat someone badly, and then they pass away, there is no opportunity to say sorry or to forgive them.

So think again, do you want to live a life of regret? Treat people the best that you can.

I honestly rather that people treat me bad, then I treat someone bad.

Almost the end of 2019…

I think it’s time for a reflection.

Big things, small things, decisions… risks, investments..friendships, relationships, money, time, study, work, career….goals and dreams.

If only we were able to do it all and achieve it all… Sometimes you feel that one life-time is not enough. You feel like there is much to chase after, yet you also fail to appreciate what you have achieved already and what you have.

Sometimes I feel regret at what I sacrifice in order to get closer to what I want to achieve. I question myself, is it worth it? To be so driven towards something that gives you temporary joy when you achieve. I am somewhat afraid that when I finally reach the goals and final destination to where I want to go, I fear it won’t make me as happy as I had hoped.

This fear… will it stop me from trying? I think I will regret most not trying hard enough. But even though i am striving towards my goal…I am also trying to pursue my career goals… and then there’s my bucket list of things I wanna do before I am 30.

I think I am going through what I call a “one third of life crisis”. Not sure what I want, but everyone around me seems to me talking of marriage, getting married, having kids, buying houses… and then there’s me.. not sure what I want to do. I am sure I am not the only one who feels that way though… life is meant to be more simple than we make it. We complicate it by over thinking, by worrying about what hasn’t happened yet… or worrying that something will never happen.

FOMO is so real. I try to avoid it, aside from Linked In and a fake FB account.. I don’t go on social media. But even in the brief moments I have gone on these apps…I’ve managed to make myself feel bad.. I compared myself to this person because they got into medicine this year… oh and this one got a “Senior Pharmacist” position, even though I graduated first!! Or this one got into the hospital residency program…so much to compare myself to…you get my gist. I know I am supposed to feel grateful for where I am, so many would kill to be in my position..two well-paying jobs… good work place… mostly good colleagues…

But sometimes, your brain just shuts down and just wants to run away from it all and just have a break, before your break.

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.

Rant on Stressing

Call me anti-social…or whatever.. but I don’t enjoy hanging out/spending time with people that I honestly don’t care about. Sounds weird…rude..even but it’s true..Maybe I am weird.? Selfish? I feel like there are many people that I deeply care about that I haven’t had much time to catch up with, I don’t want to waste my time with people who won’t appreciate my presence and vice versa. This might be because lately I’ve been a bit stressed and short on time…

I have been working non-stop everyday…this week was really busy…I had to cover someone as the manager of a hospital dispensary..I’ve only been there on a handful of occasions and this time it really stressed me out! I can tell how stressed I am..I had to work from early morning until well into the night…I cannot believe I used to drive one hour to work -work for 12 hours and then drive one hour home- than repeat several times a week… I think I am getting too old for that…no wonder I was so stressed back then and so so tired. It’s exhausting. When I finally hit the weekends where I only work in the afternoons..I slept till midday…because my body was just tired…I didn’t have time to go to the gym..I didn’t have time to use my phone…No time to see friends…I was too stressed to sleep properly…by the end of the week I had pimples on my face…really dead hair…and a rash on my neck..and just felt groggy..

After my last 12 hour shift on the Friday, I caught up with some friends…and they asked me why I was working so hard? It’s not like I want to work there full time or want a promotion..I think it’s just my own harsh work ethic on myself..I put myself responsible for everything that goes wrong…I feel so bad if I have to make more work for someone else…but at the same time I know I have my limitations and in the end I am just one person. Is it selfish for me to assume so much responsibility? I am just covering someone..yet I feel like I have to try so hard. Who am I trying to impress? I actually could have said NO to covering that person, who just happens to be my boss and manager…

I think maybe its my work ethics that are back to haunt me. I don’t want people to talk down on me and say bad things..sigh why do we try to impress people..but in the end we are just pretending everything is okay? it’s not okay!

There were times at work where I really struggled. I felt so alone. I felt like no one could help me. I didn’t know what to do..and honestly… I just did what I thought would be the best for the patient. I don’t know if it is what other pharmacists would do…what my boss would do..but honestly, though it was a tough week. I realised…there is lots I do not know. I forgot what I did know already. It’s through these tough times we grow muscles. But I think I still need to pace myself… Maybe doing four days in a row there was a bit too much…on the back of working 15 days straight…with minimal sleep and study..It’s not a good combination.

At the end of the stint at the stressful hospital, I caught up with some friends late at night. I just felt I needed to relax. I felt like I lost myself for the past week…All I did was work sleep repeat. I don’t want to live like that anymore…because what is the point? All that extra stress bites into your mental and physical health and then you will end up using the extra money you made to pay for people to make you feel better…its a viscous cycle of madness. Because of the high amount of medical bills you have to pay, then the more you work.

Just need to think about why you want to work and what you are working for…have a vision in front of you and ask yourself “Is it worth it?” I hope it is..

Well, for my reason for working so much is that I want to be able to both go on a holiday overseas AND also put a deposit on my very own house! I want to Marie Kondo the sh*t out of it..hahaha…Don’t get me wrong, I love my current cute house I live in with my parents, but I would love to own my own place that I can call my own and invite friends over without worrying about all the mess……….that is my current house.

What was this post even about?

 

The World of Work

I think, innately everyone desires to have a nice work place..A place where you look forward to seeing your colleagues, a place with nice patients/clients and a place where you feel safe.

When one or more of these things are not there, it can make it a very depressing and difficult time…especially if you work and spend extended periods of time in the same place with the same people.

Difficult Colleagues:

I’ve noticed when there is someone I don’t like at work, I do my best to avoid them. I know, I know it doesn’t solve all the issues. But, if I can run away from confrontation I will..try my best… to run away…

In the end, it doesn’t really matter (cue Linkin Park sound track)…very rarely does it solve the problem…but by being more confident, by standing up for yourself and doing something about it…things can change. Well, I least I do hope so.

Difficult Clients:

I’ve worked/working in a few workplaces that deal with extremely difficult clients, whether drug seekers, criminals or just mentally disturbed…it can be hard! I’ve had to call the police a few times, threaten to and just been scared for my life. I get it, it can be hard and sometimes you wonder…is it worth it? Feeling scared all the time going into work…to get mentally, physically or emotionally abused by clients?

I hate retail. You feel like you have to constantly suck up to your customers or they wont buy your stuff! You have to please them and they can kick a fuss about absolutely anything and I hate that word “The customer is always right”. Because they are not.

Unsafe Workplace:

Unsafe work places are just hazards just waiting to occur…This could be unsafe because of the machinery/equipment at work…like having boiling water all around  you…carrying steaming hot hotpots… or slicing numerous amounts of meats with a dull blade. Unsafe work places can’t be happy places… 😦 If people are constantly getting injured or being affected by the toxic (literally) unsafe work place, it can’t be a very happy place to work in in my opinion.

 

Good workplaces can be a extremely hard thing find, so if you do find one, stick to it!

Otherwise, start your own business and work for yourself 😉

The Retrospective Perspective

Scenario One:

Ever saw an expensive nice business type of shirt and think to yourself…oh man…its so expensive..but it fits so well..and it looks so good. Let’s say this shirt costed $100. You buy the shirt. You love the shirt. In a year you wear it 100 times-its on your work clothes ? rotation cycle. So it essentially costed you $1 each time you wore it. It was worth it right? Since you wore it so many times.

 

Scenario Two:

You see a shirt that is on sale…its a casual shirt…its the last one on the clearance rack..you try it on..its a bit tight..but hey its only $10!! You buy the shirt.. you never wear it..because when you put it on again at home..you thought your stomach was too big… In a year you never wore it once. This cost you $10 and it was a waste of money.

 

Investments are so important, aren’t they? Anything of good quality and worth..unfortunately takes more money and time to acquire than the average cheap, low quality junk you can obtain easily…That is unless you got a really really good bargain/deal from a second hand shop or some super silly sale…

But yes, these days when I go shopping.. I am a bit more careful at what I decide to buy. I have decided that there is no point buying all these cheap clothes..for the sake of buying it because its cheap! I usually end up wearing it once …or it breaks/stains easily or it is easily worn out..due to the low quality. But, I have found …with the expensive items of clothing that I have invested in…I have used them so much…that I believe it was worth every dollar that I spent on it…especially those work clothes…! The great thing about formal clothes is that I can still wear them to church on Sundays and when going out…but those casual cheap clothes? I can’t wear them out unless I have a day off.. (which is soo rare for me) or if I am at home 😦 (where I am usually in my pjs anyways)…

So have a think, the next time you purchase something…is it worth it? Should I get 10 low quality items that I will never use/or have to replace coz it broke or should I invest that money and get a longer lasting and more quality product?

Worth a giving it a thought…