1 Jul 2023

Today I drove our car to Teban Gardens hawker centre. This is my 2nd time driving to this place.

Teban garden holds a special place, it was 2013 when we rented a unit at Blk 23 for 3 years plus. We nicknamed the agent as hu chou cos she has BO.

Anyway the stay there was nice. LG can tabao his own food cos food is available just downstairs.

Life was simple. Rent was 1500, we bought a cheap wira car. House was bright and airy. We adopted xiaobai in 2014. Looking back, my sat was spent on bathing xiaobai, then i would walk to teban gardens hawker to tabao the 经济米粉 with ah char. Did this for 3 years. 

In 2020, we looked around teban and pandan gardens. 403, 405, 57, 25 - we nearly bought 405. Actually very 可惜, we quite like 405 and the unit was a top floor. 

Would he have lived if we bought 405? He wasnt very keen and he was haggling over price with agent. Next day it was sold. Anyway what is past, is past. Writing this down while I still can remember it.

Can I really quit my job?

Though I have 14k passive income, it cannot pay for my 4k expenses.

In 13 mths, I will be able to settle YS medical debt. After that, my monthly will drop to 2.8k. 1k attributable to the car. The car should then be left 3 years.

In a nutshell, it means I need work 4 more years. Can I endure 4 years? By then, I would be able to pay off my housing loan using my cpf oa.

My car is a coe car that my late husband left me. This needs maintainence 100 per mth. Insurance 1.5k a year, tax 1.8k. If I want to keep it, I have to work.

I have 2 elderly dogs, they may need more doc or med later. Heaven knows.

I always thought I could FIRE by age 45. Unless i sell my car, i cannot reach that. Managed to barely hold on to it for 10 mths. Maybe i see in a year more.