HIP completed

Finally the day I have been waitomg for is here today. HIP has been completed. 

Spent last 2 hours wiping and mopping floor after ah nei did the washing.

Paid the ah neis to clean up cos i dont have the energy to clean the master, living and kitchen. Paid 150 for 2 ppl. They finished the work in 1 hr. Well problem that can be solved by money, is no problem. 

Will continue to do wiping using the cheap wipes i bought. 

HIP starts

HIP starts today 17 to 29 dec, spent last 2 days plastering all over the place but seems futitle.

Singtel - loading it

I bought another 5000 shares of singtel at 2.39 each.  

Will be gradually loading it as i get more savings from my bonuses.

Grateful

I should be grateful that I am able to afford my house, a car and my current standard of living to my present company. Without it, I doubt I could afford these 2 luxuries as a sole breadwinner.

I recounted my days, was agent for 1 year after graduation. 6 mths at bank call centre, 2 years at sme writing articles, and 11 years into my current job. I wasnt able to save much monies after 2008,9 because I had to pay rent, car for my boyfriend then from my low pay of 2.4k (takehome around 2k, of which most of it went to these 2 items).

After switching to my current job in 2010, started having increments of a few hundreds and by 2013, was earning enough to rent a place to stay (1.5k per mth) and still had to pay for car.

Savings were little but still able to save and invest abit 10k/yr.

A few years ago, I started to plan my path, I realised I could never retire young with 10k a year. Decided to up it to 30k (not easy).

30k is no mean feat, it means 2.5k per month. Till date i find it hard to save 2k. Some months need to dip into my savings, due to car insurance, road tax, income tax, holiday expenditures.

My current job has allowed me to afford a flat, car and still have savings to FIRE. I am halfway there. Goal is 500k cash/investment.

Singtel

Bought 5k of singtel at 2.51. Will continue to load up on it if the price were to go to 2.

Enhanced FRS

Just realised I reached enhanced FRS of 2021.

Combined OA and SA exceeded 279k.

Yippee...but I still need to keep my OA sums in my OA because still have outstanding house loan of 287k.

the 10 weeks, 10 months, 10 year rules

A few matters have been on my mind

1) My own health - whether to go or not to go for surgery

2) My hubby health - all the treatments and the risks for his conditions

3) My work - feeling increasing stressed. Gave some honest feedback via the survey but not sure whether will get into hot soup. So am looking around to see what jobs I want to do in the event I got fired

4) HIP - due to the lockdowns, my HIP of my block had been postponed

Applying some tips that could alleviate my anxiety. in 10 weeks, or 10 months or 10 years, would any of the above still be an issue?

for 10 weeks, maybe 1,3 and 4 still persist

after 10 months, maybe only left 1

after 10 years, maybe none

Feeling vexed but now after analysing the above, felt some kind of relieft.

hopefully will remember to come back and review the above matters, in 10 weeks, 10 months time (certainly not 10 years).

Initially was thinking of investing another 25k into Singtel, but as my hubby condition cropped up just this week, there might need some monies along the way, so has put off the investment till maybe after his condition is stablised.