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.

How to fix the lock on your door

Had a really anxiety inducing event today…I going up and down the building and because my door doesn’t shut properly… (it keeps blowing open). I have to lock it each time I leave.. I think I somehow wore out my key so much that when I was about to go for my walk…I realised the key wasn’t able able to lock the down. I was thinking… I am soo screwed if someone comes in and steals all my stuff :(. Granted, I honestly don’t have much… but it’s still stuff I use!! And need!!

Using my quick thinking skills I set about seeking answers from the genius Dr Google…and the Dr didn’t fail me. Apparently I need something called WD40 , which is basically a lubricant spray…unfortunately I would have to leave my door unlocked until i came back with some WD40.

I walked to the nearby convenience store, grabbed some snacks, and awkwardly asked someone putting stock on shelves. “Do you have WD40?” …and he said “No, sorry”. Damn. i asked myself “Do I still buy the snacks?!?”… I mean they were mostly on sale, why not. Anyways, lame. It means I will have to drive out to the bigger supermarket to grab some.

So one facemask change later (man does it become super moist from some light walking!) and a car trip to the supermarket!! I get my WD40.and $30 more worth of fruits, snacks, and veggies. Sigh. Why can’t I go to the shop and just what I need?! Why Am I so enticed by all the sales and the things I probably don’t need but want?! Anyways. That will be keep me okay for a few days.

Back home now. Luckily it looks like nothing had been stolen..:0. Rice cooker. Check laptop check. Big ass bin. Check. Anyway, Here was the deciding moment whether it works or not. The directions were, spray a bit into the key holes and then wait a few minutes. So i waited. Then i went to putting the key into the lock and tried to lock the door .. no luck dammit.

I open Dr google again. Searching, “Do I need to spray lubricant on Key too?”. Indeed I do… apparently after spraying it, I am supposed to put the key in and out of the lock so that the lubricants coats inside the lock (where my initial spray obviously hadn’t managed to enter into). Alright I twisted the key in and out. Please work I prayed to no one. I really didn’t want to call the Real estate agent for something like this… on a weekend..

And Hallelujah. It worked. And that, folks was the highlight and adulting milestone passed today.

TLDR: Always have some WD40 around.

P.S. minor set back today was, I washed all of the four towels I own and they are still wet, so I am going to have to shower using wet towels. BUY MORE TOWELS has been added to my ever growing TO DO LIST.

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*

Update: A New look & CoronaWorries

As you can see, I’ve been playing around with the blog a bit and even made a logo… I’ve paid for an actual website address! So you can now visit the site on www.howtoadultwithjoy.com  !! I hope to do more updates (now that most of outside work activities have been cancelled/postponed) and will and have been working on my book as well (More mentioned later)!

How is everyone doing with the Coronavirus? I’ve been touching base with family and friends all over the world and it seems that it has affected every single person I have spoken to so far…From Japan to Canada, and to Calfornia… The virus has spread all over the world…It is very much here in Australia as well, the number of new cases is rising steadily and in response, our governments have put in tough new measures to curb the virus. As mentioned last time, the social distancing continues to apply and just yesterday night the Prime Minister announced that all pubs, clubs, entertainment venues, gyms, indoor sporting places, and churches will be closed from midday today. This means basically I have no social life…because the only other thing I do besides work and study is exercise at the gym or play badminton. However, I have decided to use the time that I usually spend on exercise to do other things at home…such as working on my blog, planning my future book, and I have started playing the guitar again!! Having experienced ONE OK ROCK live in a concert…I am so motivated to learn and play their songs! It had been over a year since I played the guitar last…and at that time I really wanted to do a cover of the song ‘Yellow’ the Chinese version featured the movie ‘Crazy Rich Asians’.

I hope for everyone else that is in self-isolation (like my sister and her family who have just come home from Japan), will be able to work on those hobbies and things that they have put aside for so long! May you also learn some new skills! I have friends that are doing virtual gym classes online in their rooms and they said they had a good work out! There are many things we can learn and continue to do even at home. I guess now is a good time to be an introvert. :).

I’ve always thought I was an introvert that doesn’t like meeting up with other people and going out…but since these rules have been put into place, I have finally realised how much I miss going out and doing the things I am used to. May we take some time to reflect on where we are and what we hope to learn from this challenging time. I hope everyone can remember to keep in touch with each other and check up on your elderly/vulnerable friends and see if you can help them in any way. We are social distancing and that does not mean being socially isolated!

My thoughts go out to those who have lost their jobs or don’t have work for the next few months…I hope that you will be able to find another job and have adequate support over the next few months. I know my government is increasing the handouts for those who are doing it tough…and have decreased the requirements that are needed to qualify for those programs.

Also, on a side note, thank you for the 50 subscribers and having over 3000 visitors to this website! Thank you so much for visiting, reading, and being a part of this journey to adulthood.

I hope everyone stays safe, coughs into their elbows, and don’t go to work when you are sick!

 

Joy

In the face of uncertainty

I have always been a person who hated surprises or unknowns…I am just really bad at dealing with things that do not go to plan.

I think that might be the case for others too…When things change..when your favourite supermarket closes down, when that brand of leave in hair conditioner that has been discontinued or when the ownership of your favourite sushi restaurant goes to someone else… All these inconveniences and small mishaps can build up and you suddenly feel like nothing is a constant anymore. These things are what hold us down, ground us and perhaps makes us feel ‘safe’.

But the truth is, nothing lasts forever, all things have to come to an end at some stage or another. What in life is truly guaranteed? Except, Death of course…unless you somehow have worked out a way to become immortal. If so, please let me know your secrets…

In the face of uncertainty, what do you choose? Do you choose to take a risk or do you start with what is familiar, safe and the same?

Happy Mother’s Day~

It’s mothers day in Australia today…it’s a good time to reflect on what our mothers have or have not done for us…

I am not a mother myself, but I can imagine that being a mother would be an incredible experience and challenge. I don’t think anyone can be prepared for motherhood (or fatherhood), it is thrust upon you and suddenly you are in charge of looking after a vulnerable child.

I imagine there is quite a pressure that is bestowed upon you to be a a good example to your kid… I think by thinking about it in that way, I would feel more inclined to be more forgiving to things that my mother may have not done well when I was a child.

I think parenthood is a prime symbol for entering adult hood…paired with getting your own house, getting a full time job, and marriage…it just seems like the natural progression for being an adult. Saying that, I do know many do not follow this such plan and that’s entirely fine too. However, I do know that some people, no matter how long they have been a parent, will forever be a child at heart.

At my age now, my mother was already a mother of two children…That thought …sort of scares me…I can’t imagine having even one child at this age…It just seems like such a massive decision to make…to have kids…Because it’s not like a pet, where if things don’t work out you can possibly give it to a shelter or to someone else… Pets come and go…but children are for life…….!!!

I feel like I had super high expectations of my parents as a child…I wanted them and wished that they were someone who they were not…as a child I did not see them as just individuals who are older and wiser than me…I thought them as stupid, selfish, mean and they were NOT allowed to make mistakes in my book! A bit has changed since then, but more often than not, it’s hard to see parents as normal people…just is.. :O

 

What are your thoughts?

 

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