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.

Quiet Before the Storm

After six months of working 6-7 days a week. Suddenly I am back to one day a week.

Scary. What should I do with all this spare time?

Of course I need to job hunt and keep doing interviews.

But, still so much time.

So I have a few things I am thinking to work on or do during this time.

  1. Being able to cook edible, easy, and semi-healthy meals for myself.
  2. Make sure I am up to date with my CPD (Continuing Professional Development) points for this year! We need to complete 40 CPD points as a year as a pharmacist.
  3. Aim to update daily with quality on this blog! This will include scheduled and unscheduled posts.
  4. Start doing recorded live interviews for my (almost forgotten) podcast! I have a few ideas of regular everyday people that I want to interview for my podcast.
  5. Work out 4 times a week and lose that post-covid 19 fat T_T!!
  6. Catch up with my nephew, sister, aunty, and uncle!
  7. Try to grow something. Flowers, cucumber, Carrot. Anything. Except mold. No Mold please.
  8. Think and plan my goals for the rest of the year and next year. I.e. financial goals, Shares goals, and etc.
  9. Finally have some time to clear out the junk in the kitchen, bathroom, and do I even want to touch the living room?!
  10. Get in some solid restful sleep.  CHILLAX. Destress and hopefully my resting heart rate will go back down to ~60  instead of the 72 it is now 😦

 

Here’s hoping that I will make the most of the time I have between now and my next job… 🙂

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.

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?!

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?

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.

Are you dwelling or planning?

I spend a lot of time worrying and then making myself anxious about the things that are yet to come…Anyone here know that feeling when something worries you…and it starts off small..but as you have more time…you start to ponder..you add to it..and what started off as maybe a small problem has snowballed into a massive one. Then you can’t sleep…can’t eat…can’t enjoy life anymore without thinking of that massive problem…

So basically you’ve just created a MONSTER.. a Frankenstein if you must and now he’s out to destroy your life. 😦

I am also a person who likes to plan things in advance. I like lot’s of notice…who, exact time, where, when and roughly how much. Spontaneous things don’t work out well for me. I don’t like the uncertainty and the things that I can’t prepare for…

I thought it was fine to keep thinking and planning my future….I thought by thinking about it more it would get better or suddenly a solution would pop out of no where and answer all my unanswered questions. It was only today that someone asked me, “Are you planning or dwelling?”. Planning can be useful; for example if you need to plan your strategy for getting a new job. Planning helps you to use your time more efficiently int he job search…which websites you will look at, what expos can you go to, who do you know who can help you make an connection…

But, dwelling is different…Is it not good to keep thinking thoughts like… “What if I don’t get a job?”…”What if no one wants to hire me?”…”What if my resume is rubbish and I get no interviews?” …I hope you get my point. So in this case, dwelling is of no use of all and it probably hinders your progress in finding a job…because you waste so much time thinking over and over what could happen, what if you did things different, what if you could just turn back time…

There’s no use. We can’t turn back time…We can’t control what happens in the future. If it was meant to be, it will be.

What’s important is that we live in the present … We remember that while it’s okay to plan…we also acknowledge that things don’t always go to plan and that’s okay…Maybe it was meant to happen that way for a reason. ..

 

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Why procrastinators love New Years

Well, if you are a fellow procrastinator like myself, you will definitely relate to this post…New Years is almost upon us, and I wanted to make sure I did this post before the change in years…because I have a feeling I might forget/laze out before writing it..

I love writing, but I also love procrastinating. In an almost viscous cycle of events for self-sabotage..it’s like the more we procrastinate, the more we love it. Love doing nothing.

The last few days before New Year’s, it the BEST time to procrastinate. The washing that needs to be done, the house that needs to be cleaned, the car that has an infestation of spiders (eek) and the weight that needs to be lost from that overindulgence of chocolate and sweets over Christmas season? I’ll do it next year! Why do we love this phrase? Because, Next year sounds so freaking far away! It won’t come that soon right? Tomorrow, Next week, Next Month…these sounds close and real, but next year? That only happens about 100 times in an average human (if you are lucky/unlucky to live that long). So many times I find myself putting things off, because NEXT YEAR sounds like a good time to start.

Supposedly, I have tricked myself into thinking that I  will wake up and suddenly want to and feel motivated to start studying…to start planning, saving and being more disciplined to go to the gym again… But, unfortunately for us procrastinators, I know too well…that that won’t be the case.

We got to, and can make a decision today (or tomorrow, or next week…) that we will do thing that we need to do. Because, next year is literally around the corner. :O

If we pile too many “resolutions, goals and tasks” to do “next year”, we will most likely feel overwhelmed with the sheer amount of things to do, we might end up doing nothing…but stressing out.

I hope every has Happy New Year! May you be safe, happy and get enough sleep for your soul.

Cheers to a year where we will (hopefully) procrastinate less.

Be Joy-filled.

 

Anyways, I will just reward myself for writing this post with a quick 30 minutes episodes of “Love at First Swipe-” BY Jinny Boy………….then I will get on with…….