Out of the Rabbit Hole

I know I’ve been away for so long and that I didn’t really say much before I left, but I’m here because I finally felt like writing again.


I guess at one point I was part of the statistic of PF bloggers who abandon their blogs two weeks after starting them. I did think about it – pulling the plug. But I finally decided against it, because: I can use an outlet (especially during difficult/tempting times) and the documentation is nice to have. I like this space and the people visit and spare a few minutes to say hi. I realised I’m not ready to let go yet, I only wanted some time away from it. So, yeah, I’m still here. Yay?

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About Last Month (October Savings Rate)

I haven’t been here in a long time and it feels weird and exciting to be doing this again. I took a huge step back, didn’t I? I missed this space and the people, but I was able to do a lot of thinking and reflecting and evaluating during that short break, so I’d have to say it was very much worth it. I’m writing with excitement now, knowing that I truly want to do it, and not because I feel like I have to do it. Yeah, it did get to that point.



I still can’t believe it’s already November! In two months, it’s 2017. How crazy is that? Has it really been almost a year since we went to Tasmania? Wow. I only have two months to make the best out of 2016. I still have two months to make my 2016 better. Anyway, on to last month’s savings rate — last month, I was able to save 55% of my net pay. It may seem a lot but really, it isn’t. I had a higher savings rate, because: 1) I had a 3-paycheck month, and 2) I received my tax refund. To be honest, October is my second most expensive month (next to January, before I started tracking my savings rate). If it wasn’t for that 3rd paycheck, I would have only saved 30% of my net pay. It was that expensive.

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About Last Month (August Savings Rate)

Hi. I’ve been offline for only a month but it feels longer than that. I missed this place (including the people who visit it). Really. But I’m glad I took a step back because I feel so much better now. I honestly wasn’t sure if I wanted to write this post but I didn’t want to miss a goal update, so I decided to pop up and write short one.



I saved 45% of my net pay last month, which is 5% short of my goal. I did make up for all the food I missed last July and I didn’t hold back. I had my Japanese food fix, including black sesame ice cream. Yay! My health did not improve much in August though and I think it was mostly due to stress and lack of rest.


The past two months have been difficult, it felt like everything was happening at the same time and as much as I tried to stay calm and positive, I came to a point when I had to accept that I wasn’t okay. I was trying to do so many things at the same time, same things I was doing prior to July, except that back then, I didn’t have to go house hunting and I wasn’t learning new things at work. I was trying to keep my schedule despite the change in my circumstances and that wasn’t a good call. I decided to let go of some things and Mandarin lessons and blogging (I might not post as often as other people but pre-July, I spent the first hour of my day blogging – writing drafts, reading other blogs, writing comments) made the cut. The decision made sense because 1) I couldn’t attend my Saturday classes because open inspections fall on this day and 2) I couldn’t put my thoughts in writing because, well, my thoughts were not organised. I also decided to take a day off from work and told my boss I wanted to take a mental health day. I didn’t do anything that day (bed, bed al and I wish I did that sooner. Do not underestimate the power of a full day’s rest. Seriously, it can change your life.


Hello, Spring. Winter has been cold and miserable that I was so happy that Spring finally came. I’m looking forward to what this season has in store for me. My gut says it will be good to me.

How was August for/to you? Did you reach your financial goal(s) last month? How’s the change of season for you? I’d love to hear your stories!


About Last Month (July Savings Rate)

July is my happiest month of the year, nothing can spoil it for me. So, migraine, wisdom tooth and house hunting issues aside, I still think July treated me well.

(A quick note for new readers: I’m trying to save 50% of my monthly net pay this year, and hopefully for many more years after, and I started this goal in February. Unlike other bloggers, I’m not putting away all of my savings for retirement but I’m allocating them between investing and planned spending. I wrote about this in detail here.)



After all the bills are settled (and after all unplanned spending), I saved 50% of my take home pay in July. My spreadsheet says I saved this much because I hardly spent any money on food (both groceries and eating out) and shopping. This result seems good on paper, but the story behind it it isn’t that great.

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That Day I Realised I Turned Into a PF Snob

I think many, if not all of us, in this community have experienced some sort of scrutiny or judgment when other people find out about our financial ways. While my family is very supportive of my choice to adopt this lifestyle, I still get the occasional “why don’t you buy this or that, you can afford it” especially from my mum. I haven’t had someone say something insulting to my face, but we have relatives who would always try to make us feel financially inadequate because we rent, drive used cars and don’t own a lot of things.

But this post isn’t really about how other people outside this community see us, but about how we see them. I don’t know if it’s true for everyone, but I think most of us are used to being questioned, to shocking people, to be on the receiving end of “Are you crazy?” or “Are you okay, do you need money?”, because we don’t like spending carelessly. I’ve read a few tweets about this, and probably posts too. But I haven’t come across one with roles reversed – a person outside this community, ranting about being judged by someone who is passionate about personal finance – probably because 1) they don’t blog and 2) we don’t do it anyway. Don’t we really?


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