There are so many great resources compiled/written! Trying to compile them makes me so overwhelm... The good thing is this will serve as my reference too! Hopefully, this helps you out too!

Promoting this own blogroll!

I just graduated from one of the local university. I did not take honours. I have no CCA. I came from one of the polytechnic. My grades aren't terrible nor it is impressive. I am probably described as "average". Of course, there are many times, I wish I have done things differently. I wished I would have studied more. I wished I have made more friends. But, what done is done.

Through this blog, I can hopefully show you that it is okay to be average! You might not have a head start in life, such as having very little resources in the early stage of your life that limited your opportunities. Do not get discourage if you aren't earning like $5k every month from the start. Remember, the story of the tortoise and the hare! Slow and steady makes you win the race! Welcome abroad to my journey of hopefully achieving financial independence!

The list of investment/finance blogs that I read. It is sginvestblogs! I will update if I find any good ones. It's similar to a existing one,  sginvestbloggers, it's good too. So, consider this list of investment blogs as a early Christmas gift! Merry Christmas dear readers (if I have any) !!!

And, also to my dear friends, please do read the articles on the blog. We can all learn and grow together, I am just as clueless as investing as you!

Yes... I did. Nevertheless, HR was not too happy about it. Neither should you do this without careful consideration. It's a difficult decision and require a lot of courage to do so.

I will grilled. HR being HR, tried to make me stay. BUT, I honestly don't see a future nor do I really enjoy the job scope. Plus, their customer is notorious for being very difficult because they have the $$$.  I tried to negotiate with HR, let me leave and I will not demand any compensation for the previous day if they let me go on the same day. HR made me stay another day to do nothing. They said they will pay but then decided not to pay me... You do see the problem...

Before you label as a strawberry generation, I am switching to a job with longer hours and lesser pay.
I realise IF eventually I am going to OT like my managers. I might as well do something I like ... My managers are still awake at like 1am on the group chat...


Even though, I could argue that I deserve compensation for the previous few days. But, I felt that it wasn't worth it. We might cross paths again. I could be their client OR they could be client (highly unlikely). Regardless of who is whose boss, I am grateful for this opportunity to see how this job really works and try my very best to avoid such a job in the future...

So, if you really hate your job, take the first step out! Life is short!

So, now this is become more a lifestyle blog .... But, I thought it would be interesting to share this experience while I am a fresh graduate. And, I am also INVESTING in my future of love...

This event was hosted by Love Express, one of the SDNTrust Accreditation dating agency. This event was sponsored by SDN - a part of the Ministry of Social and Family Development which explains why they are supporting this event.

Maybe I'll clear up some misunderstanding that people have of these events since I have just attended one myself.


1. "Confirm awkward one. What if we have nothing to say to each other. And, it's probably like the shows where one girl talk to one guy only"
Well, to be honest, that wasn't my fear. I do talk a lot, I guess. But, that was my friend's fear! I would say there were some people who made it very awkward. Like....

"What do you do in your free time?"
"I read"
"What do you read?"
"Everything"
"Ah. So, is there anything in particular that you like?"
"No"
... (Awkward silence starts)

So, you get the picture. Of course, I could always say, I like reading to continue the conversation. But, I prefer not to dominate the whole conversation... There was also people who dominated the conversation by talking about sensitive issues which made the rest of us very uncomfortable. SO, I would say that it can be awkward, but I guess this happens sometimes even when you are meeting new people. And, people here were very open to talk!

For this event, we were sat in a group by random with two girls and two guys. It was not as intimidating as compared to one-to-one situation. Every 15 minutes, we will be rotated with a "fresh" group of guys.

2. "Confirm go these events people are those weird, not good looking. That's why have to go for this."

Well... I went for this event too... So, I should fall under the category too? I would say that most are average. But, I am not looking for any Mr or Miss Singapore contestants to talk to! If you think that way, I really do think the problem is with you and not them.

3. "Waste time. It's like a hi-bye kind of thing."

Yes, I would agree! BUT, the people there are really interesting! There was one guy from LTA, and he was in the road department. I would assume that if you are from LTA would mean that you give summons only. Joking. So, if you are look for a serious relationship, at least this is a place to start. Staying at home wouldn't give you a boyfriend/girlfriend.

4. "Very expensive just to meet people eh."

Yes. I remember seeing the price to be $49. So, it can be very costly. Do be on SDN mailing list, they do have free events time to time too! I can recommend you using Meetup! It's free and there are a lot of events apart from dating.



So, I would really recommend one to try it out at least once! Initially, my friend was hesitant but she really did like the experience. I would go for another event if there's any that is suitable. Who knows, you might see me there ;)!

Here's some really good gems that I am reading which are not as well-known yet!

Disclaimer: I am including those that I feel are more "real". I feel that a lot of financial blogs have a lot of quantity but very little quality. And, also with the constant, "please sign up for our mailing list" prompt to unlock our content. Some of the blogs that I read actually do this, BUT, I think being on their mailing list is helpful. On the other hand, a lot of others have a ton of B/S, so I will exclude it out! 

FOR A MORE UPDATED and COMPREHENSIVE LIST:  http://sginvestblogs.blogspot.sg

1. The Tale of Azrael (Faber est suae quisque fortunae - every man is the artisan of his own fortune)

This blog caught my eye when I was looking for TheFifthPerson courses reviews. The articles written are easy to understand. And, you can really tell the author is really dedicated for his/her financial journey through attending courses and reading of books.

2.  Investment Moats


This blog has consistently good articles with indepth analysis. And, if you are investing, you should always try to invest in moats ;)


KIV Blogs
These are the blogs that are either young (<Less than one year, like mine...) or the quality of the articles is inconstant.

1. Livingafreelifetoday  



A Singaporean living in France writing about his investment journey. This blog is young, but I do see a lot of potential!

So, now is job hunting session. I have offers from firms yay! But, it's really low-ball, they are offering me $2,600 which is worrying. Imagine if I switch jobs, I will kena low-ball again. But, my dad is telling me to just take up the job and see how things go!

But, NO. $2,800 is something I really hope to achieve. Maybe, I will regret it, maybe I will not.

And, I have been playing Sleeping Dogs : Definitive Edition but I suck so probably I will stop playing it so far. It's a great game though!

So, next I will probably cover a Groupon review and try to make a comprehensive guide or links to where one can start investing. Haha, I am still trying to figure out things myself ! So hopefully, it can serve as a reference for myself too!

You can do it on areas (large) of either:  Full back , Full leg , Full arm
I did full back because it was more worthwhile, I guess. You can shave your legs and hands, but back unless you have this MANGROOMER device, I doubt you can do a good job removing your hairs.
Jokes aside.

When I went into this place, I got a shock. It didn't have the usual saloon glass door opening, but it was just a door then led to this small saloon (room). It's not the same as pictured in Groupon or other on-line reviews. I opted for the back waxing so I had to take off my top and undergarment in the same room as the lady boss (seems like she was). If you are easily "paiseh" type, this may not be the place for you. The lady will test on a small part of your skin to see if it reacts before she begin. The whole experience wasn't that painful, considering the fact that I have back acne. It lasted for half and hour. After the waxing, she will put some Aloe Vera gel and some oil.

Though I felt that wasn't a lot of privacy, though there were binds and curtains that covered the glass windows. Since both of us are ladies, it's wasn't so much of a concern. She did not engage in any hard sell. But, I brought a small package ($52 for 3 Large Session) because I felt that it was so value for money. Waxing, be it honey waxing or whatever type, would have cost me at least $40 elsewhere. The location is very convenient too, since it's at Bugis. Do already, can go Bugis street to walk walk, haha.

Though, it might not have the premium feel, but at least it doesn't have a premium price-tag but it does get the hairs off ;) .

$15 for Organic Sugar Waxing for Legs, Arms, Upperlip, or Underarms at Flare (worth $30)

It's still available on Groupon: https://www.groupon.sg/deals/singapore/flare-pte-ltd-1/721417929

A beauty salon in Singapore dedicated to providing its services using only 100% natural ingredients, Flare brings makes use of the best of nature to bring out the best in their patrons. With customised facials targeted at providing skin refinement and holistic recuperation without undergoing invasive procedures or the use of chemicals. This Bugis Cube haven can be found just a quick walk from the Bugis MRT.

Since the theme is about Finance here, I will try to write things that are related to this topic.

Main Ideas:
1) Books Review
2) Groupon Review
3) Links to good investment blogs
4) Investing related
5) How to save
6) How to learn
7) Udemy Review
8) Games
9) Interesting things
10) Others
11) Why did I not do honours (Maybe 1 year down the road, it will be a good time to reflect on my decision)

I will expand on this list!

Hopefully, I will be able to write on Groupon deals soon! I do think that Groupon is a great way to save money and try a service at a discounted price before deciding if you want to continue it.

P.S, I do hope to set up Adobe Illustrator and Photoshop soon. It's really a hassle using powerpoint to draw things!