As usual, good things don't last.
First was BOC Family card, now it seems like the temporary-attractive CIMB cards are going the same way too...
Both CIMB Visa and Platinum requires min $600 spend and gives 10% rebate ($50 cashback per category, up to $100 cashback) on:
Health, Beauty & Wellness
Transport & Petrol
I've previously shared my purchase of the ELASTIQ plan here where I purchased the minimum amount at $5,000.
Happy to provide some updates on the plan and the ease of tracking my interest online!
Via the tiqconnect web, I was able to see a clean, user-friendly and straightforward webpage showing the interest credited to me on the first month, just like an ibanking page :P
It was a sudden awakening - I've already worked for more than 5 years.
But what have I achieved?
I stepped into the rat race as a noob (nobody uses this word now, I admit I'm old), being tekan by unhelpful "seniors" who thankfully left after 1+ year of torture and earning lesser than my peers, to slowly building up my confidence, emerging stronger and being more courageous to say "No", proving
1.5 years ago, I signed up for the FWD 2.02% "savings" plan and parked $15k.
I've always been in search for low risk decent yield alternatives on top of my savings account which I've shared in my tips on how I save >$150k before 28. While browsing the net, I came across Etiqa's latest whole life insurance savings plan which offers guaranteed 2.02% p.a for the first 3 years.
What luck. My ibanking tokens went dead one after another.
First was my OCBC token. It said "low battery", but I ignored it.
And when I finally need to use it, it was dead. Granted that I could use SMS OTP, I had to make a big transfer to other banks and it was over the withdrawal limits. And to do that, I needed the ibanking token.
And serve me right for not activating the
I used to track my daily expenses daily.
With every purchases, I'd keyed into google sheets.
But as time goes, I got lazy. I figured there's no need for me to track it daily given that I'm disciplined with my outflows. In any case, I've never budgeted how much I should spend on food, transport, shopping etc. Hence, the daily expenses tracking actually don't serve much purpose.
For the first 20 odd years of my life, I've walked a predictable route.
I was drilled from young that, to succeed in life, I must study hard. I didn't study hard enough to get scholarships but it was passable. I walked the standard educational route, just like everyone else - passed my PSLE, passed my O Levels, went to JC and went to the local uni.
The next was to find a job, get a flat, get
The first week of 2019 has passed.
Again, just like that, in a blink of an eye.
I didn't had a pleasant end to 2018, nor start of 2019 as I was sick with cough and phlegm. Still have not recover till date.
The first week of work was pretty chill given that we only worked for 3 days. Things will pick up speed soon and I'm not really looking forward to it, but, I gotta work for bread and butter
This year passed by exceptionally fast.
So many things happened this year that if I don't keep a blog, I'll probably forget the details of what happened. Key things that happened this year:
- Secured my flat in my dream location
- Got married
- Got promoted
Here's a recap of what went by in 2018
Jan: Shared my 2017 review, and my net worth at $287k. Also shared about my
Years ago when I entered the workforce, I set myself goals (you can refer to the left side of my blog), mainly financial ones.
I set to achieve $100k cash savings before 28.
And I met it at 25.
I shared my tips on how I achieved it here and they were really simple tips, mainly tweaks to your lifestyle (eg, dining at discounts).
I then set out to achieve $200k by 28.