DIV ME UP

Week 5 – Expensessss

First week is always dreadful cos we have to pay off all our bills! Add to that the tithing that we make, the month starts off with a strong negative.

We didn’t splurge much on any kind of extravagant meal. All pretty decent though that can be contributed by the tighter schedule we had today. And why tighter was because we’re exploring some enrichment activities for the kiddos.

I guess it is only a matter of time before we have to start investing in children’s education or physical development. It’s quite like any other investment, start earlier and it compounds enough you don’t need to invest again later. That said, every kid is different haha. So if mine is truly special, i’ll have problems down the road.

All in, this week is still within expectations. Let’s hope life continues to roll along nicely!

Week 4 – Employee benefits

So this week started like any other work week with a small difference. Payday! Haha. The only benefit as an employee. With our pay checks in, I’m just really glad that we somehow manage to turn the negative to a tiny tiny positive.

There’s not much expense this week safe for an impromptu lunch date at an omakase sushi place and shopping at fairprice finest. I guess this would hit in the next month’s credit card bill so we’re safe for this month.

The kiddos are also gonna start taking on some enrichment classes. It’s quite unavoidable especially since they’re in their peak brain sponging ages. It only makes sense that we channel them to learn more. Only downside is the hole in my pocket. But let’s believe that it’s an investment for the future where I wont need to spend $ on their tuition during school.

Tracker time! We’re ending the month +$293. Not anywhere near what we need to be but in lieu of liabilities, I guess it’s what we’ve to live with. Hoping next month is going to see more upside though i’ve gathered from the wife that tithing is going to happen so, that’s gonna drop it down but faith is something powerful so it’s bigger than my own plans. Let’s see!

Week 3 – Resurgence of Equities

Ah this week saw all the equities bounce back like the drop was really nothing. Was pretty interesting to see your account drop so much then come back. Sort of glad i didnt move the money to bonds 2 weeks back but who knows, i may be putting the cart before the horse.

Expense wise, this week was relatively mild. We only ate out once to sort of celebrate going to the gym haha. But it was a good meal at a korean bbq. Always glad to be able to spend time with my wife and enjoy a good meal together.

Weekend lunch was a tad pricey but cant be helped when your activities are at the mall.

Finally, this week saw 1 of the 3 incomes coming in. So while its still a negative for the month, at least it’s slowly edging up. The return of tenant deposit really makes a dent but its a one month thing. So really hoping next month we can have a much better positive outcome!!

Week 2 – Small wins!

The week started good with the wife rewarded with some bacon for her hard work outside her already hard work. Small wins like this are significant and worth celebrating! Really proud of her work and achievements.

Otherwise, the week had nothing really significant to note of other than my banker calling to ask for a change of my investment portfolio in lieu of the federal rate cuts. I was quite curious and so did quite a bit of studying (if you’re curious ISIN is LU1670725008).

But in the end i decided to stick to what i had since there was already diversification with some corporate bonds inside. Lets hope this pans out since im in for a long ride.

Weekend is pretty mild with the wife going for wedding so theres some expense there but otherwise, the week became slightly less negative! Whee. Thanks wifey!

Week 1 – National Day Week

Started the week off with a credit card payment! Always feel like a bomb to the bank account but as they say, always pay your cc debts. Cos we dont want them racking up interests that eat your % rebates!

This week was also tax week – ie government $ collection. Argh painful but no choice. Pay your rightful dues.

Aside from those, there’s also return on rental deposit to tenants which werent really ours to begin but it dipped the nunbers further.

Only upside this week was some carousell items sale which then again were negligible in the grand scheme of the expenses paid out.

Good to take stock. With that aug money flow is negative. Pretty poor start considering i’m trying to bump it up by the end of 3 years. It sorta needs a monthly positive to aid with the savings to div me to a comfortable place. Here’s to keeping my chin up at work this week!!