Guilty For Not Saving Up In 2015

 

Last year, I was thankful for a wonderful 2014. It was my first year as a SAHM (stay at home mom) too and overcoming that big hurdle was a good feeling. Furthermore, my finances were looking great too, Considering that I had managed to save the same amount as I had in 2013 when I was still working. Not bad for someone who didn’t have a job or stable income.

29377592-Financial-hole-concept-as-a-ceramic-pink-piggy-bank-with-empty-holes-as-a-metahor-for-a-money-crisis-Stock-Photo

Sadly, I did not save up in 2015. I’m not sure what happened. Maybe I was feeling adventurous and embracing that whole “living in the moment” idea. I was surviving from paycheck to paycheck. Whatever earnings I had gotten from the online store and blog, I blew them on shopping, parties and enrichment lessons.

Looking back, there was the impromptu Batam trip, the Wanderlust staycation for the hubby’s birthday, the Punggol ranch birthday party for the boy (… haha, I swear all birthdays next year would be totally low key and budget). Then we signed Asher up for mandarin enrichment classes and I’ve just paid S$650 recently for the first term next year so as to secure a place in his class. But the biggest killer had to be all that shopping especially the ones done online. With Taobao being the main culprit, having “robbed” me of 10,000RMB within the span of 5 months. Which meant that I could have saved a S$2000 bucks in 5 months instead of buying so many books, toys and rubbish. But no, I was too busy carting out stuff from that super addictive site to care.

This kinda makes 2015 an extravagant year for me, considering that my monthly takings have been slashed by 75% since I stopped work. Some of you might say that I could have easily sat back and let the hubby do all the paying but that’s just not me. I guess I must have been heavily influenced by my financially independent BFF. So I am still paying my own bills and that includes my mobile, insurance premiums, some of Asher’s insurance premiums and credit card bills. I do not feel good about letting the hubby shoulder all of the financial responsibilities because leaving my job was my decision and he had been supportive of it. So the least I could do is to take care of my own finances. He should be feeling totally blessed and grateful for someone like me given the rise of materialistic women nowadays that demand equality but expect the man to pay for everything 😛

No prizes for guessing but my 2016 new year resolution would be to save more and spend less. I would need to be more in control of my expenditure and that would also mean to stop shopping on Taobao before I empty my bank!

Hello 2015! My Reflections of 2014…

Untitled1a

Looking back, 2014 was a pretty great year for me, I have so much to be thankful for. We may not be super loaded but at least money was never an issue. We have a roof over our head, food on our plates and every necessity that is required for us to enjoy a decent quality of life.

look-at-the-birds-of-the-air-matt-6-26

Continue reading

Hello December, Be The Best of 2014

Wow, just wow, I can’t believe we are at the last chapter of the year 2014. This has been one of the best years in my life because of new experiences and the endless blessings from the big guy above. In fact, to be honest, I kind of do not want 2014 to end but that’s just me being silly.

dr-seuss

 

Unlike past years, I do not have year end bonuses to look forward to. I don’t really have the budget to buy expensive presents for myself or others. I am, in fact, a lot poorer than before and yet I am so much happier. No wonder, they say that you can’t buy happiness. Sure, I was happy when I was earning an income. But then there were also all these moments where I had so much negativity; I hated my life, my job, the people around me and how superficial and patronizing I had became.

Now, I am the boss of myself, on second thought, well no, since my boss is actually a rather demanding and stubborn, emotionally-driven 2 year old but it doesn’t matter course I love him. I guess that is the difference. Being a stay home mother isn’t any easier than having a full-time job but I am happier doing the things I do because I love it. The amount of happiness I derive from each day outweighs the amount of money I should be earning.

But no thanks to the high cost of living especially in Singapore, I’m afraid that I might need to return to the workforce someday. Perhaps, some day my SAHM journey will come to end but before that happens, you bet that I will be making the most of it. And hopefully, things will work out fine and I won’t need to. :)

hello december_thumb[6]

It’s the final chapter of the year, let’s make it one of the best! Have a blessed & magical December!

Oh, Hello September!

OMG, I can’t believe that it is already September. We are reaching the end of Q3 and it is mere 4 months away from a new year. Time flies once you grow old and have babies. :( On a lighter note, it would be a month and a week before Asher turns 2! I can’t wait to throw him another birthday party.

10616306_10153087674249606_1498299427011852250_n

Looking back, it has been 11 months since I left the world of steady pay checks for uncharted waters. I have amazed myself especially with my money-managing skills, given how I now only have a pittance as compared to before. Dear hubs pays for most of the household and gives me some cash now and then (without me asking and I’m thankful for that) of which I never spend but save up instead.

I still manage my own bills which includes my mobile, credit cards, insurance premiums (including a few policies that are for Asher) and occasional shopping (which are mostly for Asher too). So you could say that I am still very much financially-independent. Maybe one day I should dedicate a blog entry on how I have managed to survive on cheap deals.

Anyway, I’m thankful that I’ve come this far, it has been a wonderful learning experience which I never regretted. And it won’t have been possible without support from the family. I feel very blessed. I know I usually end the monthly reflections entry with a ‘Please Be Good To Me’ image but this time round. Let’s try something different.

tumblr_msi9ehek2b1r83vlgo1_500

Related Posts Plugin for WordPress, Blogger...