Friday, March 18, 2011
Tuesday, March 8, 2011
I don't care much about birthdays but...
I had a revelation recently... "Birthdays are supposed to be spent with people you really care about"
Overwhelmed by the flood of birthday wishes :)
Thanks to W416 and W452 for the wonder dinner fellowship at Manhattan Fish Market @ Marina Square. I really feel very loved and appreciated by your generosity in your time and gifts.
Felicia Lee for her home made super duper Tiramisu cake! No pics...wasted...
Thanks Gavin Huaybing Jimmy for the Starbucks card. I blame you if I'm addicted to coffee again... :)
From Suzy, the nicest girl on earth with a heart of gold. Whoever marries her is so blessed. Thanks Sue! =)
Had a nice dinner with my parents, sister, Joyce @ Seafood Paradise (defu lane) My sis paid for it! haha....
Then Joyce cooked for me a nice warm dinner. Ate half a pot of rice...
What more can you ask for?! I am blessed!
Overwhelmed by the flood of birthday wishes :)
Thanks to W416 and W452 for the wonder dinner fellowship at Manhattan Fish Market @ Marina Square. I really feel very loved and appreciated by your generosity in your time and gifts.
Felicia Lee for her home made super duper Tiramisu cake! No pics...wasted...
Thanks Gavin Huaybing Jimmy for the Starbucks card. I blame you if I'm addicted to coffee again... :)
From Suzy, the nicest girl on earth with a heart of gold. Whoever marries her is so blessed. Thanks Sue! =)
Had a nice dinner with my parents, sister, Joyce @ Seafood Paradise (defu lane) My sis paid for it! haha....
Then Joyce cooked for me a nice warm dinner. Ate half a pot of rice...
What more can you ask for?! I am blessed!
Friday, January 21, 2011
Perfection
I like things to be in a certain order, folding blankets after you get out of bed, aligning my car seats so that they are in line with each other, washing my cup in the office on monday mornings are just a few of my habits.
I like things to be in good condition, trying to make them last as long as possible, like wallets, watches etc. Recently i noticed some scratches on my seiko frankenmonster, worse still, the clock face had a few chips due to my carelessness. Ouch.
I was pretty disgusted in the beginning, it's almost like the whole watch had lost its value. Its no longer perfect, scratches on the face! I would be reminded that its defaced everytime i look at the time.
Should I get another watch? Should I?
Then soon after, I kinda forgot about it, got used to it,
Sometimes i don't even notice the scratches anymore. Yes it's old and not new anymore. But it bears my mark, followed me through daily life, and its still keeps good time, its still my trusty watch!
I guess you don't need something to be perfect to love it.
I like things to be in good condition, trying to make them last as long as possible, like wallets, watches etc. Recently i noticed some scratches on my seiko frankenmonster, worse still, the clock face had a few chips due to my carelessness. Ouch.
I was pretty disgusted in the beginning, it's almost like the whole watch had lost its value. Its no longer perfect, scratches on the face! I would be reminded that its defaced everytime i look at the time.
Then soon after, I kinda forgot about it, got used to it,
Sometimes i don't even notice the scratches anymore. Yes it's old and not new anymore. But it bears my mark, followed me through daily life, and its still keeps good time, its still my trusty watch!
I guess you don't need something to be perfect to love it.
Friday, December 31, 2010
New Years Resolution 2011
Well well, 2010 breezed by so quickly. It's amazing. In a twinkling of an eye, its already the eve of 2010.
Looking forward, I'm going to set some goals for this coming year.
Spiritual
-plan more YA outreaches
-do visitation once a week
-disciples
-read 4 books
Health
-exercise 3 times a week(swim/run/gym/badminton)
-no snacks and soft drinks
-eat more fruits
Finance
-save 15% of income
-use only 1 credit card
Relationships
-visit family 4 times a month
Career
-finish tasks ahead of time
-go for courses
2011 here I come!
Looking forward, I'm going to set some goals for this coming year.
Spiritual
-plan more YA outreaches
-do visitation once a week
-disciples
-read 4 books
Health
-exercise 3 times a week(swim/run/gym/badminton)
-no snacks and soft drinks
-eat more fruits
Finance
-save 15% of income
-use only 1 credit card
Relationships
-visit family 4 times a month
Career
-finish tasks ahead of time
-go for courses
2011 here I come!
Wednesday, December 15, 2010
Thursday, October 21, 2010
Wednesday, September 22, 2010
Building your barn
It's important to have savings in life. Especially when you are expecting big expenses in the near future, eg. house renovations, money for higher learning, etc.
The rule of thumb is that you should be saving at least 10% of your monthly income, but for some of us out there, you might not be saving fast enough to meet your target, eg. your house renovation is expected to start in 2012, but you only have 2 years to save.
Therefore, you might try to increase your savings to 15% or 20% depending on your lifestyle and discipline. I guess a lot of factors affect the aggressiveness in which we save.
1)LIFESTYLE
Depending on your character, you might be a spendthrift, spender, madman when it comes to money. I'm currently logging every single expenditure I've made for the month of September. It gives a clear picture of where the bulk of your money goes, and if possible, ways to cut down on spending.
Some of us have cars, some have education loans to repay, some have one credit card, some have many credit cards, some like to shop everyday, some like to pay expensive stuff, all these affect your savings.
2)DISCIPLINE
This word keeps popping up recently in my mind, someone once told me that discipline determines destiny. (details also but thats another story). I can say that I think very carefully before spending money. Especially purchases above $50. Even during shopping in the supermarket, I try to buy value for money stuff. Recenly I thought of getting a key pouch to keep my keys cause the number of my keys grew and the keys keep poking me. I had in mind a buffel keypouch but when I saw the price $50 i decided against it. Cause to me, my keyring does the job. Who cares about a few pokes?
Some of us have a heavy lifestyle, like hospital loans and family bills to pay, but they are discplined, they don't go on holidays, they don't buy big purchase items randomly. They will have savings.
Some of us have a light lifestyle, no bills to pay, nothing, but they are ill-disciplined. They buy presents for the whole world, they take cab wherever they go, they just buy buy buy. They will not have savings.
The people who save best are people who have a light lifestyle and are very disciplined.
I'm all for enjoying and pampering yourself once in a while, but my personal conviction is, i know i have something i need to pay for in the next 1-2 years, rather than borrowing money or taking a loan, I'd rather save up and pay for it cash.
The rule of thumb is that you should be saving at least 10% of your monthly income, but for some of us out there, you might not be saving fast enough to meet your target, eg. your house renovation is expected to start in 2012, but you only have 2 years to save.
Therefore, you might try to increase your savings to 15% or 20% depending on your lifestyle and discipline. I guess a lot of factors affect the aggressiveness in which we save.
1)LIFESTYLE
Depending on your character, you might be a spendthrift, spender, madman when it comes to money. I'm currently logging every single expenditure I've made for the month of September. It gives a clear picture of where the bulk of your money goes, and if possible, ways to cut down on spending.
Some of us have cars, some have education loans to repay, some have one credit card, some have many credit cards, some like to shop everyday, some like to pay expensive stuff, all these affect your savings.
2)DISCIPLINE
This word keeps popping up recently in my mind, someone once told me that discipline determines destiny. (details also but thats another story). I can say that I think very carefully before spending money. Especially purchases above $50. Even during shopping in the supermarket, I try to buy value for money stuff. Recenly I thought of getting a key pouch to keep my keys cause the number of my keys grew and the keys keep poking me. I had in mind a buffel keypouch but when I saw the price $50 i decided against it. Cause to me, my keyring does the job. Who cares about a few pokes?
Some of us have a heavy lifestyle, like hospital loans and family bills to pay, but they are discplined, they don't go on holidays, they don't buy big purchase items randomly. They will have savings.
Some of us have a light lifestyle, no bills to pay, nothing, but they are ill-disciplined. They buy presents for the whole world, they take cab wherever they go, they just buy buy buy. They will not have savings.
The people who save best are people who have a light lifestyle and are very disciplined.
I'm all for enjoying and pampering yourself once in a while, but my personal conviction is, i know i have something i need to pay for in the next 1-2 years, rather than borrowing money or taking a loan, I'd rather save up and pay for it cash.
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