(2009/08) August 2009 MTBs

sbb,
yes thinking to send my #2 to cherie heart near my place for a year before he starts preschool in SJCK... Want to let him start going to school but dun want him to take school bus yet...
sad.gif


piggy,
you have done some research on preschool, so which preschool is nearest to your IL place? :p
 


fatbobo

u r a good wife la. hehe...
all these savings things huh... haha..but i already started on saving liao le. i used to can save a lot. don kw how come $$ got liao all jst spend liao... heheh... i worried so gotta do something about this matter.

=================

Celine

oh ok. i wanted my son to start too but my mum ask me to wait. mine is someone near our place. but yrs is which area? mine is near sembawang yishun there.
 
bobo, agree that insurance very expensive... but no choice as it offers protection for the kids in case of anything...

smurfy, ya I also track my expenses on a spreadsheet. Have been tracking for a while, so now can do yearly total also. Its good, to help figure out where all the money is going.
 
re: maid
oh.. im so ashamed!!! i tink my maid has been buying bread with her own money.. for afew times le! hahah. n she buy sugar herself oso!!!
 
sbb:: no la.. not say like dat means good wife la. (like dat say makes others look bad? no mah.. cannot like dat say de. hehe.) juz dat different family, different couple..work out differently mah. juz like different child, different teaching...etc. :)

my colleagues nw oso quite nice de.. cos im in audit team, but im not auditor.. so my salary is like more than half of theirs oni mah... then last time, like when we share gifts for antoher's birthday or smting, they owas collect lesser amt frm me de.. cos they noe i much lesser n hv 2 bbs..... but i dun like it la..n i oso make sure i pay the same amt as everyone. s like, everyone oso working n earning..so y i so special, ppl pay $14 i pay $8?!?


mich:: oh.. u oso tracke expenses? but if like smtimes buy smaller items..use cash or wat.. u all record down? i tink i tried to record.. but cldnt last a week.. bahaha.. cos smtimes small item, cant trace.. den transport expenses..i duno hw much my bus or mrt ride cost de woh.
 
mich:: dat's y i said 'im ashamed'!! haha. cos normally we will buy the bigger loaf frm NTUC or wat.. but if we got lazy n din go supermarket over the weekend.. den ya..din buy lor. so she has no bread n will smtimes go downstairs to buy herself!!

she likes her coffee very very sweet.. she will add in alot alot of sugar even in 3-in-1s.. so she finished up all the sugar.. n ya, oso went downstairs mama-shop to buy. (n actually the mama-shop downstairs quite overpriced de)...

haiz~
 
fatbobo
i track my expenses, every single cent for a few months. now that i am much more conscious of my expediture, i dun track oredi lar. now i onli track cc. statement, every month dun reach more than 2k for my hb whahahhahaa
 
hmmm~ thanks all.. ok.. i try to track expenses... frm Feb onwards (or March?).. cos these 1-2mths sure see red! hahahaha.

is there any apps in iPhone can track expenses arh? hehehehe~
 
wow! you ladies are very disciplined... i always tell myself to track my expenses but end up just forgot already... and after a while i gave up... haha

BTW, anyone heard of cheese pineapple tarts?
 
liz:: same lor.. i oso dun hv the discipline to track.. plus some small small de.. spend le will forget de.. den after awhile.. like.. difficult n no point to track cos not accurate liao. so give up oso. hehehe.

i tink quite afew plcs hv cheese pineapple tarts.. conceal n tart kind de oso..but mostly conceal de bah. (but den hor..cant rmbr whr now! haha). i personally dun quite like.
 
smurfy:: heeelp~ help me find out wat's the name.. prolly with the app.. more handy.. easier to track.. n will rmbr to track everything..even after purchase of small items. hehehe.


re: home's fav
btw talking abt pineapple tart agn.. the other day i went raffles mrt..n tried the home's fav de.. wah.. really nice leh. at least to my taste la..hehehe. i din managed to try the charcoal de tho.... but too exp le, so i din buy! ):
 
it's every penny counts!!!

see how bad i was last time. i got an iphone but i dun like, dun use, now white elephant for a few mths oredi. shld control my itchy hands last time. :x
 
huh.. can track via iphone ah?
later than i go and search. haha..

i used to trace leh. but trace and lost. haha..
now my target before clearing my credit card bills is an ogawa chair for my mother. haha..haiyo... maybe a labtop first. hehe..
 
sigh.. duno when then i can afford a bigger item for my mother! nw..the most is an insurance for her niah.. n i tink im the worst daughter in the universe... oni gvg her $300 a mth niah!!!!!
 
bobo, i will write down every couple of days, so won't forget. As for MRT/bus ride, no need to record that, just record when you top up the EZ Link card then can...

If your maid overeat the sugar, then let her buy lah...
 
mich:: bahahaha~ i burst out laughing when i read your post..... cos i tink im really retarded!! why go n tink so hard n wana record daily transport expenses when can juz do a lump sum when i top-up!!!!! darn kuku lar me!!!!
*pengz*
 
bobo: when i saw ur sentence "I a in the audit team" my eyes open big big man... then heng u follow up saying u not auditor.. i allergic to auditors! hahaha...

i agree with mich, if she finishes the sugar cos she prefers to add more, then its only right for her to pay.

and dont need to feel bad lah... i also only give my mum that amount (excluding the amt needed for her to buy food etc for shayna).. in the fact, the money i give to my mum is only enuf for like household expenses.. dont think she has any left over for herself.

My dad gets even lesser but thats all i can afford. I also only living on $300 month..
 
Topic still on money n expenses...?

BOBO

I just checked for you. You can try expensetracker lite. It's foc.

HOME FAVOURITE

Er am i the only one who doesn't like their pineapple tarts? I find them too sour, not sweet enough. I used to like Four Seasons Durians one. But std like dropped
sad.gif
. Still sweet n fibrous, but the tart is less buttery b
 
SBB,
my boi was down with fever the week be4 only recover after 4-5days n now down with flu n cough vomitted twice over the wkend.. i am damn tired now... n my Hb jus had a minor surgery so cant help me...

regardin joint a/c hor.. for me i do put aside some savin for my own monthly n only put aside the extras into my joint a/c.. i had the same mindset as bobo wor cos i feel tt it both our responsibilities to contribute not jus his even if he earns more.. cos bb belongs to us not jus his mah... n it does not hurt to have more saving mah... afterall our vacations expenses all come from there.... like wat bobo say every household have their own n preferred way of managin their finance so if u r comfy tt way y not?

Celine,
i was more into checkin CC wor but my IL plaace no gd 1 leh... chheck out kinderland but the review quite bad wor... i also check out the Cherie hearts at corporation.. not v cheap n LV curriculum is better so end up puuttin my boi at LV but still lookin ard for cheaper n gd CC la..
 
Bobo, ha ha, no lah, it's not tat you are ku ku. Jus that I have experience recording so I know it's not practical to record bus fares daily...

My hb also give my MIL $300 as allowance cos the more we give the more she anyhow spend...
 
Bobo, what i did to track my travelling expenses is to note my travelling fare for a day then just estimate how much i'll need for a month then i'll go top up my ez link car till that amt. (eg need $80 a month and card left 20. I'll go top up another $60. Then i'll see if it can last me a month or not. Then i'll know how much to set aside in future when planning my finances.
 
$$$$

I really hv no idea hw much to raise a kid now? I jus buy and buy.... How much did u ladies estimate on ur kiddos expenses every month? I m planning to be a SAHM... wondering can survive or not????

Received a letter from my girl cc.. there is a FEE REVISION... increase $50. sighhhh .....
 
morning ladies,

bot my boy for follow up to do allergy prick test...and the doc declared him free...

but i am still restricting the peanuts and shellfish till he is abt 2.5yr old...

RE: Joint Acct
hmmm, both hub and i started when we first got our house and we contribut abt 10-15% of our individual salary into the acct...
and we do top up when we get our bonus...

and the $$ goes into financing of car(already paid off) and all the house expenses eg, elect bills etc, PD bills and sch fees(IFC and CC)...

RE:tracking of own expense...
i try to maintain a min of $1k in my own acct(for daily expenses) exclude "save as u earn" acct and UOB acct...
 
morning ladies..

Happi,
for me i est. the amt i spend on FM, diaper, neccessary monthly n spend within tt amt so it helps me not to overspent... n yes if i become a SAHM i will get my HB to gv allowance to my mum.. i also got intention to be a SAHM but maybe i start off with workin part time first den hopefully within 5yrs i can dun work...
 
piggy,
haha...
my hub already told me if my gal goes into P1 i dun need to work liao(hmmm...another 4yr time)...
looking forward to the day come...
but prolly i would still get a part-time job...
 
Lucky we dun need to give our parents else sure cannot survive. Anyway they also don't help in taking care
of my kids. They are all independent and earning money so shouldn't be asking money from pp like me who isn't even working. :p so next time, I must make it a point not to take money from my kids unless necc. Dislike those parents who keep asking their financially strapped children for money for frivolous stuff like going hols.
 
cLOUDME,
oh tt nice... at least ur HB gave u the consent liao... it another 5yrs when my boi go P1 tink i will wait til neck long long..
was hopin can find a flexible/PT job after i deliver but v hard to find this kind of job..
 
piggy,
there are lots of places offering PT jobs,
but of cos have to lower $$ expectations...

me hope that i can go back to the call center that i previously work as a PTimer if i really quit my current job...
 
mashy:: ya.. i cant stand those parents like..as if the children owe them big time or what.. n 'force' them to give money. my fren's mother is like that!

luckily mine not! both my in-laws working (earning quite abit..) hb oso dun give..smtimes they even help us abit here n there! for my parents, my daddy still working, my mum not (was working p/t kind..n nw helping me with my kids...)... but since long ago (eversince i started work).. i already like make sure i hv this prac to gv my daddy $50 a mth..(hahaha..so little)...n $250 for my mummy (but recently gave her 'increment' to $300) a mth.

sigh.. my parents smtimes owas dun wana take frm me.. cos they noe i owas very 'broke' de.. hahaha...but i'll still make sure i fulfill this part lar... somemore..sometimes we go out family dinr.. my daddy still picking the tap.. so smtimes, if my finances permit, n not too expensive meals.. i will pay lor.


cloudme:: y when yr gal go P1 den u can be SAHM? wat's the difference btwn nw n latr ah?
 
cloudme:: but if call centre.. hfta work shift right? dat time i oso looking at such call centre job.. but like mostly need to work shifts n might cover wk'n oso.

--------------------------------------------------

actually my current job here.. the timing quite flexible.. not like anytime can cm/go kind lar.. but like.. smtimes i late..n if my boss leave for the day liao.. i oso 'discharge' myself early. haha. smtimes i do cheat here n there abit (like whn my boss travel to UK).. say i work frm hm.. but.. whr got time to work frm home? lala~ but the ting now is.. my this current boss is quite a grumpy man..unlike my previous boss (whom we're still contacting via email to talk nonsense..), alot of times, owas negative remarks frm him.. like hotel boring..place boring...etc...n he doesnt hv the best r/s with other execs..which smtimes make my job even tougher lor. sigh.
 
Gd morning All! :D

Jul,
look like you are planning early to prepare Sam for pri school.
there is workshop can consider to attend.
Topic : How to help your child in the learning of Mathematics in Primary School?

http://www.ufamily.org.sg/public/eblast/1101/01/01.html
Unoffical School for Parents‏
I have sign up to attend this workshop.


PARENTS & CHILD BAKING SESSION
NTUC U family personnel send me details on upcoming event!
5054844.jpg
 
bobo,
when P1...i have to go fetch my kids to school and back...
now no need cos got CC mah...and it's full day 7am-7pm...
and i can't possible to get in-laws to walk them to sch or just to find a before & after sch center to let my kids stay there bah...
just dun trust those centers...

piggy,bobo
that time i study in poly i got those that only need to work for certain hrs one...but yup need to work wkend...
but wkend can let hub take care of kids lor while i earn something...
 
bobo,
in fact i got many friends who quit their job when their childrens attend primary sch leh cos they feel it this is an impt phase for them...

Cloudme,
i am not keen on those tt requires me to work on wkend leh cos only wkend my Hb not workin
happy.gif
 
cloudme,
my son attend tis before and afeter school care ctr. http://www.pro-teach.com/
one of mayor and MP children attend same pri and same BASC as my son. you may check out if there is any branch near ur place or pri sch that ur child is attending. some BASC is within the sch compound itself.
 
piggy,
well...i also not very keen but that time my supervisor there very good can arrange flexi time w/o me working on wkends...

but hor i think that supervisor left that call center liao...

so maybe just a pt-job at NTUC as a cashier or something bah...
shall see how it goes by then...
but hopefully need not work at all will be best
happy.gif
 
Just to share, I chanced upon this site a while back:

http://www.careermums.com.sg/

They often have those a few days a week or half day jobs which is perfect for sahm... I rem once I saw a marketing position for 2 days a week paying ard 1200 which I think is quite a deal... Was so tempted to go for it...
 
piggy,
i just want a place irregardless CC or preschool that can be within walking distance to my place. Guess should be Cherie Hearts at West Coast Rise, did you visit that place b4? whats your feedback?

sbb,
I am staying in west zone
happy.gif
 
re: p/t..working over w/n
ya, like piggy.. i oso dun fancy working over wk'n if the p/t require.. like piggy said, hb not working on wk'n, so prolly other than night time seeing him.. wk'n is the time for a more family bonding time. plus, i would prefer the kids to see more of a 'full' family bonding time, rather than mummy-time or daddy-time. of cos unless like more major work requirements like traveling or wat..den more boh bian. but ya...


re: pri sch 'time'
wah seh.. i hvnt tink so far.. prolly cos i dun hv older kids.. hmmmm~ so nw, not all sch on full-day sessions rite? was there a 'discussion' in papers recently that sch shld start later or earlier? i dun even noe nw wat's the session timing for pri sch.. haha.
 
Celine,
oh i haven visited tt branch cos i dun like tt location... only been to corporation branch n Chervon branch... actually i found another 1 call kids corner at west coast but my HB cant find...

Liz,
wah sound great leh.. will take a look thanks ya..

Cloudme,
hahah ya lo.. 5yrs is base on prediction of his pay by then hope can achieve earlier la..
 
april,
oh, i didn't know that some BASC are located in the sch itself...

great, the center got a branch near my place
but ain't they too young to go over to the center if the center is located outside the school? (will the teachers bring them over to the center or the center's teacher bring them over after sch?)
 
Piggytoh

Than how now? Did doc said anything about his symptoms?
What happen to your lao gong too? I thought you have a maid can help out or not?

=============================

Re: Financial tracking

Haha… yesterday search iphone got this tracker.
I wonder how long I can use this device. I also jst spend and spend. Haaiz. .. hole is getting bigger. I think most working parents are contributing fair share but most of my friends are not wor..
They are all paid by hubby and their $$ they jst spend on themselves. And sometimes kids stuff they also buy la.. but their both parents $$ each side contribute themselves lor.

=============================


Happi

My friend is a Sahm, no kid. But her hubby I think earn big bucks. Monthly give her 2k and 500 for charity and 400 for her parents.
Is she good life? Haha.. when go vacation, hubby pay. hubby pay if she goes out with hubby. She jst keep her own $$, only use it when she goes out shopping with her friends. She go where hubby also fetch. Wa lau.. so good life where to find.

=============================


RE: Sahm Life

I don ‘t know if I can be Sahm life cos I love working and earning $$.
But right now, I looking into opportunity and saving up for opening business. Haha…. Work part time and than as full time Sahm than can with maid at home.
DREAMSSSSSSSSSSSS

=============================
 
Re : Part time Job

Some part time job I guess have to be careful ya. Haha..
But one PT Job which I always wanted is modeling. Those bridal modeling…
Jst required to take photos. Hehe..
 
cloudme,
if the BASC is outside the school, the teachers of the BASC will walk with the children to the pri school. that what my son BASC do. is just walking distance.
 
SBB,
my HB nothing serious la piles prob he was admitted on new yr eve den the dr say if can dun cut better den told us to wait end up after 2 wk den say better cut cos now another piles came out... waste our time #%^&*(( so now i gotta take care of 2 boys tired... my maid i seldom bring her home 1 cos co share with my SIL my IL still need her to help with my SIL gal mah..

wah ur friend lagi gd life leh... but this kind of life she happy???

i can be SAHM but i wan to be 1 no need to worry abt financial 1 so mus wait haha.. so will start off with P/T first... i also hope got opportunity for business but in sg i find not easy to do business...
 
april,
but the pri sch my ger will be ending up is hmmm quite a distant away...
if she goes to the pri sch much nearer to the center would be no problem...
sad.gif
 


sbb,
same like you I hope one day I can own my own business where I can work part time yet also spend time with my kids - Thats my dream too!
 
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