Jul 26, 2015

Slow Sunday

On this slow weekend, I opted to stay in and hence 2 NSDs.

A few things that were forgotten in the last post, I made a decision to quit one of my side-hustle. Although it doesn't earn much, it does take up a bit of time and more often than expected, I found myself dreaded at the thought of working on it. To put it simply, I told the supervisor that I will have an impending change on my workplace, and that will take time to settle in; secondly but more importantly, I want to free some time to pursue my projects (e.g. de-cluttering, spending time with loved ones and family, exercise, catching up with blogs, or just plain idle...). But to keep things open, I did not exclude the possibility of picking it up in the future - if my work situation allows (but I doubt). Anyways, I felt free.

Starting from April, every month went not frugally, and I intend to change that. I found that jotting down tiny frugal things every few days / per week helps a great deal in keeping me on the frugal / resourceful course instead of looking anywhere to spend. I am also considering keeping a small, palm-sized note pad (and a pen obviously) in my bag whenever I go, so when I think of something, usually a to-do item, or a vague idea like meditation, some project that needs further consideration, I will write it down. Why not use a phone as a notepad? I have done that and the list ended up with many other miscellaneous items, and I cannot cross them out after completion of certain tasks (erase is the only option), I prefer something that allows me to check, check, tick and done.

The idea of keeping a physical to-do list is beneficial in a way I did not expect: when near to tears with boredom this weekend, I looked through the list (now still shreds of papers stapled together instead of a notepad), and realized I could use the time to complete some of the stuff that I've been dragging on: finish reading Mrs Moneypenny's book, draft a letter to the building management office, a wardrobe purge (see? this thing crept up every 6 months. Bastard.), clean my room floor, to rotate shoes (#firstworldproblem), exercise (as far as I'm concerned, with the heat and rainy weather, this will remain as scribbles on the paper instead of an item...sad). 

So the easiest was of course to finish the book where I left off months ago, and I couldn't find it anywhere! Wardrobe purge: not really feel like it now. Mop the floor? The flat below me is blasting their air-con so my floor is trickled with cold water droplets because of the temperature difference (I offed the air-con when I wake up)! It would be futile for me to wipe the floor clean when such situation is anticipated to last until summer finishes.

I turned to rummage through the cupboards and then found some noodles that were close to expiry dates, had one for lunch. Rummaging through the other cupboards I picked out some tubes and jars that are unopened and won't be used, off they go to my friends then. The travel book I borrowed from a friend - it's no longer sitting on my desk but off to the bag it goes - I'll return it when I see him for a dinner or something after work. A few reading materials on the side-hustle that I was working for? The recycle bin! 

I also reserved a book on de-cluttering (the mind and the home) with a click, didn't know it was that easy! Now I just have to wait patiently since there are others who are also waiting for the book. Think this deserves a frugal point!

For the rest of today, I'm catching up with some blog reading and will be charting my frugal course for August. 

I may or may not have mentioned in the last post, that some of the items in the wardrobe are looking a bit washed out and tatty (e.g. black turned dark grey with white cast on top, colors that no longer look like when they're new thanks to the mixed color wash and transfer of dye/colors during wash, things that no longer look good because I've grown fat in the belly - YIKES especially on the last one). I found that shabby looking clothes really dampen my spirits and outlook, I'd feel shabby the whole day and felt compared to, even when my bag is new. After some analyzing that most items in my current wardrobe had lasted 1-3 years, some of them are just outdated, gone tatty, and some of them just don't look good anymore. With this in mind, I have a clothes shopping trip planned next next week, I'd be uber careful and cautious when I consider bringing a new item in, however. This is due to concerns with space, ease of washing with other items (color transfer), style in question (compatibility with my activities and other items), and material. I deliberately pushed this shopping trip later and later, frankly I just want to faint when looking at the current wardrobe, I'm not sure if I have the guts to bring anything new in before cleaning something out, this is something I dreaded on and on. Secondly, some bargains might be at their best when we're stepping into the next season. 

Also on the same note, I really need a change on my hair, it no longer looks crisp nor fresh, instead it looks out of place, still thinking on how to proceed with this one. I may change haircut twice per year to three times per year in order to feel my best. Hope this doesn't come across as vanity, but how I look really affects how I feel (low confidence, insecurity, shy away from this or that). I could no longer deny it when looking at the mirror, and this has become more frequent than before.

As July is drawing to a close, the monthly wrap-up will be up in the coming few days. I'd have a weekend getaway next week so I hope everyone has had a great month!

What are your plans in August?

Jul 5, 2015

Monthly Wrap-Up: June 2015

Yoohoo! Since I was away for most of the month, my savings rate pumped up to 55.33%! But I was spending money everyday when on vacation, so up to 30th June my NSDs for this year is 65. My goal is 150 days, well I'll try to make it happen! There's no granny money to be paid this month, nothing, nada, so my monthly contribution money went straight to its determined account, that was great.

So, the trip, it was a blast. I thoroughly enjoyed it, and am thinking of going back there again already (even though impossible in the near future). Now I know the freedom (also peril) of traveling and spending money every day. It was great to be able to forget most 'rules' I've set for myself, and get a treat/eat/try anything I want; but once I'm back home, old habits die hard! 

Other than the trip, nothing much has taken place this month, zero exercise, read 1 book (travel-related). I did try my best to settle the post-travel materials (wash and everything) into their respective place in the wardrobe. The investment earnings in the account seemed to be dropping this month was the general market wasn't doing very well, I'm a bit worried but think it should be OK as long as I'm holding onto them and not desperate to sell them at their lowest. I heard a good advice though - I get muddled when being a bit desperate with the "wealth creating wealth" mindset, the advice was that don't put all your money in it, even if you're making earnings! There's that temptation thinking that the more money you put in, you're maximizing the earnings, but it isn't always about earning, it's also about timing, being sensible, rational and cautious.

What's to come hither? I had a few people to see, hopefully some exercise when the temps are cooler (can the weather get any hotter?!), a wardrobe culling and maybe a shopping trip (see below) is in store in August? I'll get a tiny raise so that helps with the savings rate too. A couple meals would be done outside as well since you know, catching up...it's not a very frugal outlook come July and August. As I'm writing, I've taken advantage of a mid-year sale and stocked up on some personal care items. Again, not frugal at all! Need to put more effort tuning back to frugal mode!

Things on my mind to think about:

- from 2 haircuts per year I'm starting to think it'll be nice to have it 3 times a year, I felt "lighter" (literally the way your shoulder does) once I've had a trim. Also thinking about making it shorter;

- *maybe* taking up swimming (classes or not) again because my belly could use some fat-burn;

- need to get new swimsuit, swim cap, and goggles in that case;

- my wardrobe, badly needs an update I think?! Some of the items albeit I love them, is becoming tatty or just looks out of place? I felt a bit old-fashioned sometimes compared with what others are wearing - but tbh there's nothing wrong with the clothes I was wearing, no they aren't from the 90s! Don't know what was going on, my eyes or brain playing a trick on me?

- in relation to the previous point, perhaps I should consider going on a white/black/grey/navy color palette with my wardrobe so time and effort can be saved each morning, and each time doing laundry. Have to think more on this first, since I'm not ready to give up on colors!

Hope everyone will have a nice month ahead - I'll be slowly catching up with unread blog posts...but time for bed now! :)

Monthly Wrap-Up: May 2015

Hi, I'm slowly easing back to frugal blogging :)

Will start off with a not-so-frugal wrap-up for May first. Firstly I had a haircut, my grandpa's birthday was also in May so money had gone to "granny money" (hardly anything though tbh), I also got myself another pair of glasses because the new ones I got earlier this year was too heavy to wear on a daily basis, my work requires close attention to the screen so I figured it'll be a sensible thing to get something more comfortable. The other pair will be for special occasions - when a little class and oomph is needed (please don't laugh).

Since I'd be away for most of June, the library books had been returned even though I'd just finished one, but nevermind, since I don't see myself burying in books the first instance when I come back. Exercising was of course, zero progress at all. Most of the time was spent studying for the trip to come, and it was rather stressful as I wanted to make it "complete", all that was stressing me out, this to visit, there to try, there to eat, things to see, etc.

Money-wise, I opened an investment account last month, this month I've put in money into it and let my folks run it - I know I know, one shouldn't rely on others' advice when it comes to investment, but I'm slowly learning. A tiny dividend was also credited to the bank account, but otherwise, not so much extra earnings from side-hustling. In fact, all my side-hustles had gone quiet since April, one of them I have a vague suspicion about what's going on with the company but there's no way to know. Except that signing up with other companies is on my to-do list in June. 

The savings rate for May is at 34.3% which was quite low, but it's slowly climbing up I hope, last month was 29.6%. Like April, most of the expenses went on the long-haul trip for June. the fund I set up was not enough to cover it and I knew it, and it was OK in the way that I wouldn't be able to do a long-haul trip in the coming 2 years or more, the longest I can do is a week.

Phew, a lot has taken place in May but it has also become a blur to me now, since I'm writing it now.