#SGAHJUMMA talks about her life and goals.

I was on MC for a week last week due to high fever + sore throat + bad flu. Drowsy medication made me “bedridden” for few days. Sleeping and waking up to nibble abit of bread , drink water , go to the toilet and back to sleep again. I think i slept too much because of the medication and my body was aching (lie on bed too long) but i was too lazy to even walk 5 steps to the living room. So i laid on the bed and look at the ceiling. It was the 4th day into 2017 and i was thinking about my 2016. It was already over…if anything did not go well , i just have to make sure i don’t make the mistake again in 2017. Reflecting is good but don’t dwell too much on it.

2016 >> Work was good..i achieved a certain milestone in my career..i got married…i made alot of new friends through my work..my health (gastric and colorectal) wasn’t that good ( i have to go for a test every few weeks and on antibiotics )…went for a scan and test at gynae and im healthy and fine (ovaries and uterus are healthy and looking good)…i moved out with live with my hubby…more responsibilities (financially and personally)..etc etc. Everything went smooth except for health part. So i try to cook more at home, eat more fruits and eat less outside food ( alot of msg and salt ! ).

On the last day of New Year, our team had a small activity. We were asked what are our goals or dreams we want to achieve in 2017 ? And we were to cut out from magazines and paste them on a faux instagram A4 size print out.

Here is a private sharing of my goals and dreams. Instead of just planning for 2017 , i prefer to look further and beyond 2017 instead. Nothing material..but more on well-being.

Let’s start from top left..

I couldn’t find picture of a house or flat in the magazine. So i cut one of a hotel room from the travel page. Lol. Yes..i want to own my own home..a place my hubs and i can call our own.

Pictures of building and landmark ( also taken from the travel pages ) >> I want to bring my family to travel together with my hubs. The last time i travelled with my family was 20 years ago and it was to China. Better bring my parents to go overseas before they grow older and have problem with mobility.

At the bottom right is a bowl of salad. Haha i want to eat healthy and be healthy. My diet consists of Spicy and bbq Korean food for the past 3 years and now im trying to learn how to cook Chinese food. Those abit “qing dan” ones like melon soups , garlic kai lan , steam eggs etc etc. I find cooking Chinese food much harder than Korean food.

And then at the bottom left , there is the watch. I want to spend more quality time with my hubs and also i want to own a watch…i didn’t really have a watch before and i wanted my own. ( Saw a $2.8K Omega watch and it looks so dainty…but the housewifey and auntie-ish me think about what other thing can i do and buy with $2.8k….then the thoughts disappear liao lol.) Save that money instead and look forward to quality time with hubby.

Then you have the super big picture of a cute baby girl cut out. Yes, i want to have my own healthy kid. Reason why the pic of a baby is in the centre is because i want to do all the rest with my kid infuture.

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What does the “This is your time” and “Different” wordings mean leh ?

2017 is my time to start to take baby steps to these goals. And lastly to be a different financial advisor to my clients and to provide different and more innovative financial and insurance protection solutions to my clients.

And also in my personal life , to create more different beautiful memories with my hubby.

2017 will be different from 2016. It is my time to make it better.

Here is a question i ask all my clients on our first meeting ” Do you have a goal and what are your dreams ? ” . It need not be something material or about work. A client of mine told me she want to be more patient towards her husband this year…so they have less arguments. This is a goal also.

Incase you do not have a goal or got lost somehow this year…ask yourself what do you want to do to make it better and what must you improve?

Jiayou everyone !

#SGAHJUMMA Time  !

Throwback to last Christmas (2016). We had a Xmas party with the KBS (Korean Boyfriend & Spouse ) group at the top floor function room of The Sail Marina Bay’s condo. It was an awesome party with the kids ! The wives/fiancees were at one table chatting away , taking care and playing with the kids and had our own gift exchange. Whereas at the other table were the husbands/fiances rounding up for beer and chats. The kids were running around non-stop and i guessed they had a good sleep that night.

On Xmas eve, we went to Ah Ma’s house for Xmas party and on Xmas day, hubs and i just nua at home.

We also had our “Red and White” Christmas with Korean Ddokbokki (rice cakes) and instead of turkey , we had Jjimddak (Soy chicken).

How to cook Korean Spicy Rice Cake (Ddokbokki) ?

1) Boil 4-5 cups of water with kelps and anchovies ( to make the stock ). After the water boiled , take the kelps and anchovies out and throw them away.

2) In a bowl , add 5 table spoons of Korean Chilli Paste , 1.5 table spoon of sugar , 1 table spoon of Korean chilli flakes. Mix them together in the bowl.

3) Put in the Korean rice cake slices and Korean fish cakes (Odeng or Or-Muk) , chopped spring onions (in 2 inches long) and 2 peeled hard boil eggs into the boiling water.

**Hubby asked for this dish last minute and i couldn’t find Korean fish cakes at the nearest supermarket , so i replaced it with our chinese fish cakes and tau kee lol. I added in the left over zucchini in the fridge and cabbage as you can see in the picture. The traditional style is to add spring onions, fish cakes and eggs only.

4) Add in the sauce from 2) into the boiling water and mix well.

5) Let it boil for 15-20 minutes. Once the sauce becomes sticky , it is about time to be served.

Yes it is that easy. If you want , you can add in instant noodles and let it boil inside and it will be come a dish called Ra-Bokki (Ramyeon + Ddokbokki).

How to cook JjimDdak ? 

1) Making the sauce. Mix 4.5 table spoons of soya sauce , 1.5 table spoon of sesame oil , 1/2 teaspoon of black pepper , 3 table spoon of sugar and 1 table spoon of minced garlic in a bowl.

3) Sliced some ginger . oil the frying pan and fry the sliced ginger.

4) Wash and dry the chicken parts before putting it into the frying pan to fry with the ginger slices. Once the skin of the chicken turned abit and slightly golden , add in water. Water should cover the chicken parts in the pot.

Add in sliced onions , potato and carrot chunks

5) Add in the sauce from step 1) and stir.

6) Let it boil and add 1 more table spoon of soya sauce and sprinkle black pepper. Add 1 tea spoon of salt.

7) Let it boil for about 20 minutes before serving.

Sprinkle chopped green onions for garnishing and ready to serve.

Some of my friends asked why the colour of my Jjimddak is so nice and dark but theirs are not ? Because i add in 1.5 tea spoon of the chinese dark soya sauce for colouring. Also , i didnt add dried chilli inside this time because i was having sore throat and cannot eat spicy food. If you want , you can also add in Korean potato starch noodle. Soak them in water and add them in at step 5.

Super easy to cook if you have the sauces.

We always enjoyed our walk and coffee at Gamcheon Cultural Village.

Here are some pictures taken at Gamcheon 2 months ago.

During our last trip , we rented the traditional 1960s Korean school uniforms for KRW8,000 per set at one of the souvenir shops. They have lockers and changing rooms for your to change and keep your clothes and belongings. It comes with the cap for the boys but i think hor…my hubby head too big haha ..cannot find his size sia..LOL !

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So we went around Gamcheon village to take pictures and mimicked some K-drama scenes lol.

His no-socks/ankle socks look damn beng lor..very funny.

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Already going to my 3rd year in the financial advisory industry in a couple of months’ time. Time really flies. Im turing 31 next year ㅠ ㅠ . Going into 3rd year soon..but i have some of my friends who said these things straight into my face “Wah you go find those lonely single men lah…sure want to be your client” , “All your clients are men right ? They see you chio so want you to be your advisor what”. Seriously, i didn’t expect my friends to say these kind of things to me and only after i go into this line , then i see the true colours of some of my friends. Sometimes they say these kind of things infront of my husband , i felt that they are disrespecting him also. Actually to be honest , these group of friends are not very close friends lah.

When i heard those things for the first time , i was angry . The 2nd time i heard such stuff , i was damn sian…then third time leh, immune liao…and i just replied them ” ya lor “. There is no point to login to my clients list system and show them that infact i do up financial planning for whole families , husbands + wives , babies , children , young adults , girlfriends+boyfriends, newly weds , mummies-to-be and single ladies. And these groups form 95% of my clientele base. If people want to talk about me..then let them talk lor….the more they say and gossip , the more stupid they sound.

No matter what job or work you do, don’t get involve in politics or gossips. Stay grounded and do your part. Stay away from negativity.

These 2 weeks were very productive. I met alot of mummies-to-be and young single ladies. Met up with some mummies-to-be to do up financial planning for them and their babies. I learnt alot of things and tips from them about parenthood and things to look out for during pregnancy. All these knowledge helped me alot in my work because i get first hand tips  and get to understand their concerns. There were some unfortunate cases and some happy news. And sometimes i will share those experiences (without mentioning names or personal details of course ! ) with other clients so that they will be aware also. Few months ago , i went window shopping at those kiddo shops that sell toys , necessities etc , childcare and tuition centres to understand the cost of raising a child instead of just looking at the provided statistics. Raising a child in SG is really not cheap. Doing these kind of surveys help me alot in my future family planning. Because we do have thoughts of sending our child to Korean International School (pre-school) infuture so he/she can learn 3 languages altogether. But sending a child to an international school is really not cheap but i believe every parents want the best for their child.

Well, you must be thinking …wah Peiling haven’t even plan for a child yet and already think so far ???!!!

Actually not that we are thinking too far…but whenever we meet up with friends or his Korean friends who are mostly married with kids , they will ask us these kind of questions eg “When will you send your kids to study?” , “How are you guys going to teach your child English , Chinese and Korean at the same time” etc etc..

So when people asked us these kind of questions, of cos we will start to think and ask ourselves lor.  Tio boh ?

Nevertheless,  we will work hard for our future hand in hand. Both of us are already in our 30s and we just want stability.

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Talking about stability…i believe those in mailing list were informed that i decided to stop Agneselle already. 31st Dec is the last day of sale (GOODBYE SALE $5 storewide)  and mid Jan 2017 is the last day of operation (31st Dec to 17th Jan is to clean up). It is a difficult decision but i have decided to let go.

After shopping in Taobao for 2 years , i think my chinese improved alot. So some of my friends asked me how to find this or that in chinese. Most commonly asked ones are :

“Pleated Skirts” – 百折半身裙 like the one i got below for work at RMB 69 (SGD 14).

*ps..the orange one is really pretty piece.

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“High Waist Wide Leg Pants” –  高腰阔裤 ( the one i got below at RMB 99 which is about SGD 20) . Comes with removable belt somemore.

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Im not a taobao pro but will be glad to share what i know cos i received alot of enquiries on that from friends also.

I tried to click SHARE LINK button but it was not working and i am unable to share the URL. Did someone encounter the same problem as me ? Alternatively , you can save the pictures and under the search bar , you will see a camera side (below) , click on the camera sign button and you can load pictures from your gallery or take pictures to find the items you want in Taobao. That is one feature im really very amazed with taobao. I buy from taobao for quite a while already and i just got to know about this only half a year ago. You can save pictures of any clothings you find online (whether is it from online shops , magazines or posters etc ) in your phone gallery and load it up to find in taobao. Or you can take pictures of the things you want to buy and find them in taobao.

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*By the way, the Taobao shop i buy the coat from is 彩虹姐妹 . 

Btw , i went to rebond my hair and cut Korean style airy fringe. My friend’s Korean fiance cut for me. My hubs only allow me to cut my fringe in Korean salon cos he trust that Korean salon can achieve that look.  The airy fringe with aegyo hair at the side. My friend’s fiance (Edward Kim Yongjae) do teach some of the hair stylists and hold seminars for hair stylists in some major salons in Orchard road to teach them how to cut Korean style. Instead of going to others who were taught by the master, why now go straight to the master himself to cut ? My hubby also went to cut his hair with Yongjae oppa.

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So when i tie my hair up , there will be these 2 aegyo fringe at the side like the one below :

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Compare to the previous fringe i cut , i like this one the best.

Because i can hide the airy fringe under my hair on days when i don’t want to have “fringe” and i just have to sweep it back to the middle if i want. So it is very flexible. If you wonder how come some K-actresses suddenly have bangs and sometimes don’t have ? That is because of a certain Korean style cutting technique.

As you can see from the picture on the left , i swept and hide my fringe one side. Whereas on the right , i let it out. So airy fringe is pretty versatile if you go for the right cut.

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If you want to go for Korean cut , you can go to Dusol Beauty @ Raffles City Level 3 and look for Edward Kim YongJae. You have to call the salon 6338 4424 to book an appointment with him.

Have fun shopping or go for a hair cut !

Missed the LIVE telecast of Legend of the Blue Sea so i think i have to wake up early to watch the uploaded version at 6am !

So sad…the lipstick used by Jun Ji Hyun in the drama was SOLD OUT !!!!!

These 3 Hera lipsticks were SOLD OUT. Which means have to wait for 2 more weeks or so for the stocks. I asked my MIL and Bro in law for a favour to keep a look out. I like the RED more actually.

Pink one – Rouge Holic #147 and Serum Glow #1

( she mixed these 2 colours )

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She is using Rouge Holic #333 here.

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Btw , i just finished my vaseline body moisturiser and recently got the Face Shop Fresh Milk Cream moisturiser. I LOVE IT. Review later…after 1 week of use then i review.

Smells really like milk powder. It contains fresh milk from Dae Gwang Ryeong mountain in Korea. Well known for the high mountain goats’ milk. Goats were fed more fresh and green pastures so the milk produced supposedly to be fresh and of high quality. It reminds me of the taiwan sheep farm i went to earlier this year lol.

Dae Gwan Ryeong Sheep Farm : http://english.visitkorea.or.kr/enu/ATR/SI_EN_3_1_1_1.jsp?cid=264615

Just received my pictures from my photographer for my wedding in Korea. If you are interested in taking your wedding pictures in Busan studio , drop me an email at peonykissblog@gmail.com so i can link you up. Full translation throughout the shoot with a minder accompany , album sending to SG , transport to and fro studio , concierge service , deposit placing with studio to secure your shooting dates and dresses etc and liasing and translation of requirements of selected photos for editing to studio.

If language is a barrier for you esp when you want them to do your style of edits and does not want to be short changed during shoots (didnt get what you paid for or promised) and want a peace of mind and would like to opt for this concierge service , drop me an email so i can link you up with the concierge with the selection of studios.

The studio i went to is the best in BUSAN and one of the best in KR with celebrities doing their shoots there too.

2 months liao..omg time flies man…i wanna travel back time ! Click to view enlarged photos !

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#SGAhjumma teaches you how to cook Kimchi Fried Rice !

I think i blogged about it before or maybe not.

It is very easy and very simple to cook.

Ingredients you need 

Kimchi ( 2 cups )

Korean white rice ( if you find Korean rice too expensive , you can replace with japanese sushi rice which is selling quite cheap in Mustafa or Fairprice.

Spam (1/2 can) chopped into tiny cubes

1 egg

2 table spoons of sesame oil

How to cook ? 

Add olive oil to the pan and fry the spam till cooked and fragrant.

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Ok , so opening the Kimchi tupperware kinda stained my fingers so i stopped taking pictures from there. Mr Shin said he will try to help out in phototaking next time lol. If he really did lah.

Once the spam cubes are cooked , add in the kimchi and fry till fragrant and soft.

Then add in the white rice and mix together.

Add in the Kimchi water ( sauce/essence or whatever you call it…in direct translation from Korean is Kimchi Water ). You know when you buy kimchi , there is the left over sauce in the packet or bottle ? Yes , that one. Just pour in about half a cup and mix together with the rice , kimchi and spam. Drizzle with the sesame oil.

Serve on plate after well mixed. Fry a sunny side up and add it on top just like that .

I also add some seaweed flakes on top of the sunny side up and i kinda like it together with the seaweed flakes. I like my seaweed flakes crunchy so i don’t really like to fry the rice together with it.

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I had craving for Korean street toast few weeks back so i made my own.

Toasted the bread on frying pan with butter. Air fry the spam slices. Topped with cucumber , lettuce and tomato and sunny side up.

So yummss ! Cooked corn soup too and i used the corn as a side dish along with fries.

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I think i can open Korean cafe liao. Just kidding.

My MIL came to my bro’s wedding 2 weeks ago and she bought some cosmetics and skin care for me.

This was quite heavily raved on the home shopping site and CNP is well known for its Propolis range serums/ampoules/creams.

The smell was good and i really like it. Not that sticky or oily. I apply it at overnight as night cream. Just started using it for a week and let’s review and see if there is significant result after 1 month of use. But this is something worth getting and using. I like the texture of the cream. It feels like DYI home facial treatment.

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I haven’t visit any aesthetic clinics for facials and lasers since March. And some of my friends asked how did i maintain a youthful and hydrated and radiant skin even though i did not go for facial ? How did i get rid of my black heads ?

Well , besides starting to use aesthetic skincare brands like CNP , Leaders and AHC and also toning peel products , i also exfoliate my skin once a week. It helps to remove the bumps and black heads. Also i have different kind of cleansers , serums , night cream and moisturisers for different days. Because our skin condition is different everyday. It also depends on our diet and everything. On days when i have cold or sick , my skin feels dry and on humid days , i perspire quite often so i will use something more gel-ish and avoid creams.

Here is one of the exfoliating scrubs im using from SKIN FOOD. This helps to remove and eliminate my black heads so i will concentrate on my nose and chin area when i exfoliates.

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The granules are quite big actually so i will damp my hands before i start exfoliating. If you have sensitive skin , you might want to ask for samples before purchasing the full bottle. This bottle can last quite long leh. I have been using it for 3 weeks already. I also use it to exfoliate my elbows and knee cabs because it is quite gentle.

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The result ? Smooth and black head free. I really really like this. My bro-in-law’s female colleagues recommended skinfood scrubs. They told me skin food products are quite good esp the Yuzu and Black sugar range. This is pretty cheap. I cannot remember how much i bought it but it is less than KRW 10,000. It is KRW 6,900 if im not wrong. I bought it during SALES online and shipped it to my MIL house and she brought over.

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Speaking of my mother-in-law , we have a good news for people who are interested in getting their photoshoots taken in Busan’s studio. With my MIL’s network , ahjumma bargaining power and sharp business skills (my father-in-law and mother-in-law have been doing businesses for decades) , my in-laws will be starting up a FULL concierge service for photoshoot services in Busan wedding studios for Singaporeans. She has arranged for me and my hubby , my brother , my friends and even my clients for the photoshoot in Busan’s best studios which has branches in Seoul and other major cities. Everything went very well and now it is finally going official with full translation and transport services. Will blog about the details soon.

#Smartlady #SGAhjumma #KBS 

The latest Kdrama made me laugh and teared. Not sure if you have watched Legend of the Blue Sea but Lee Minho is sooo suave in this drama. Jun Ji-hyun still look the same as she was in My Sassy Girl back in 2000.

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This OST is one of my favourite so far after the DOTS drama.

2016 was an eventful year.
Firstly we have Song Joong Ki to give a romantic start and Park Bo Gum to spice up the summer and now Lee Min Ho to end the year with a bang. Wahh ! Drama year 2016. This year is one with the few of the best dramas.

Met up with the KBS girls 2 weeks ago . #KBS stands for Korean Boyfriends and Spouses. It is made up of a group of Singaporean wives with Korean husbands/fiances. The group is slowly expanding and we are having our first Xmas party in 3 weeks’ time. Every gathering is full of exciting and interesting topics. Im so glad to learn from the girls and also to share from my part. Glad to know that we are always giving each other support whether in SG or KR.

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1.5 months after my wedding in Korean liao but there are alot of people asking me how is my married life. And any difference ?

Well , i will say it just got busier and also more responsibility. Being a working wife is not easy and i really 佩服 those who did it for many years. Holding 2 positions both outside and at home is not an easy task.

My day start quite early. 730am wake up to prepare breakfast and shower to prep for work , keep the laundry and set the washing machine timer for the next batch of laundry. Back at home in the evening ( if i have no evening appt ) to cook , wash up , mop and vacuum the floor. I think the whole thing ended about 930pm before i can take a break. Then i turn in at 12am after finishing up some work. Saturday morning was spent making brunch before i go for my Korean class and back home to cook dinner or go for appt. On Sunday , it is “toilet washing” day and another round of mass vacuum and mopping and grocery shopping.

So that sums up what i do at home when i don’t have any appointments , prospecting or at roadshows and on weekends.

Last week , i cooked Japchae for my hubby’s softball team’s bbq night. Took me 3 hours to prep and cook because our wok is too small so i have to do in batches. Woke up at 6am to prepare it before i go for appointment with my client and then to Korean class at 1pm. Then back home again in the afternoon to recook again to heat up. To cook a large tray is alot of work esp for Japchae. Easy to cook but alot of work to do. Alot of cutting , alot of frying and mixing.

Click HERE for the Jap Chae receipe i shared back in August.

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I also made some kimchi. This kimchi was fermented for 3 weeks.

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Im glad it tasted good because hubby secretly “kope” a bowl of Jap chae and kimchi. He knows i will nag at him if i find him eating away after i cooked. No wonder keeps getting lesser and lesser and i have to cook more again.

And also , i received this question alot ” Do you control the finances in the family ? Did Ryunjae give you ALL his salary ?”.

Well , many asked me this question was because it is a Korean culture where the husband gives all his salary to his wife. The wife is the one who manages the finance in the family. And she will give her husband some allowance (either monthly/weekly/daily). Kinda opposite from the traditional chinese culture and modern culture these days.

Firstly , im not a Korean so my thinking is abit different. Thus we tweak it abit. I think that he is old enough and a mature man who can handle his own finances. Plus he is not someone who spends on alcohol , branded stuff , shopping or even gadgets. To be honest , he spends most of his time at home to watch baseball matches. So i guess one thing that cost $$ every month is probably mobile data. Because he is forever using his phone to watch baseball matches/news/political news/webtoons.

But also being his financial adviser , i get him to open 2 accounts. 1 for saving and 1 for expenses. So every month first day , he will do a standing instruction to transfer a fix amount into the expenses account. That account pay for his food , transport and leisure activities. Whereas premiums for the insurances and saving plans which he signed with me and also rental of our place will be deducted from his saving account instead. Our grocery shopping also come from that expenses account.

He trusted me and he knows im a saver and i am better at investing and saving money to help him to manage his wealth. He gave me his ATM card since i manage the finances and he just have his credit card for emergency use.

This method is very useful. The saving rate increases too. Of cos there are some other tips i shared with him and my clients too.

Talking about saving money , it is time for #Smartlady topic.

Most of my clients are families, ladies or young couples or newly weds. And most of the ladies have problem with savings because they shop alot online. Online shopping can be very sinful and addictive. Because i was a victim also. So now i limit myself as in not how much i can cart out each time but when can i shop.

I shop only in June and year end Nov/Dec. Reason is because there will be alot of sales everywhere and somehow the nicest designs are out during summer or spring which is more suitable for SG’s weather. I shop more in Taobao recently. Most of my buys are less than SGD30 except for the coats which cost about SGD50. And i only buy when i need something and i mean i really need it.  I buy things but i don’t spend money anyhow.

Yup , so i actually went on a “shopping drought” from Jan to May and June to October. The only thing i bought was skincare in between because i CANNOT live without my daily skincare routine. But i don’t anyhow buy lah. I make sure im left with half a month supply before i buy a new bottle. And also before i buy , i will ask for samples to test out and see if is suitable for my skin before i buy the full product.

I have the habit of putting everything into cart but never cart out. Because some of the items in the cart i know that i added them in on impulse lol..so i wont check out. Only when i need an item ( eg my bag tore recently ) so i bo bian have to buy one.

A client of mine has problem saving because she spend about $2k a month on clothes online so she decided to do up a saving plan with me. It is not easy to ask someone to “quit” one thing totally but i encouraged her to slowly cut down bit by bit. It worked. She see her savings increases and it gave her the courage to make more effort to save more besides saving in a saving plan. It is all about discipline. Save it at somewhere you don’t see it. Out of sight , out of mind and you will not think of spending.

If you want to shop and buy clothes without spending alot of moolah,  you can try Taobao.  I got some work wear for 2017. Well , i have only 5-7 sets of work clothes and have been wearing same thing for the past 8 months. Some of them started furring because i wear them at least twice a week. It is always that same ribbed top with culottes/skirts or the simple black dress. Time for a change lol. You know you need it when your male client asked why you always wear same clothes to meet him. Just kidding lol. But he really did said that.

Here are some work clothes which i got at less than RMB35 (SGD7) and the quality was really a surprise.

The skirt cost only RMB29 which is approx SGD 6.

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Back pic of pencil skirt at RMB 29 (SGD 6)

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Bag to store my documents/files/ipad for work – RMB 33 (SGD 6.50)

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Stripe skirt (got the black and white one) for RMB 25 (SGD 5).

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Here’s what i got at less than RMB 99 (SGD 20)

RMB 99 (SGD 20)

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RMB 89 (SGD 18). Getting this for a wedding dinner.

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Got the silver pair at RMB 88 (SGD 18). Because i have to walk alot during roadshows or at work , my feet sweat alot and i have to change my shoes every 3 months. So i won’t really spend alot on shoes. Probably a $20-$30 pair which can last me for 3 months at least.

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Got this work dress at RMB 99 (SGD 20). Saw some shops in FEP selling this at $229 and heng ah i found this on Taobao when i was swiping taobao app before i sleep.

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Travelling to Korea in winter and need a winter coat. So i got this at RMB 198 (SGD 40) .

Seriously , this coat is really damn thick. Inside has quilted paddings and really good quality. This shop sell coats that are supplied to Korea.

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I am very taken back by the quality of the Taobao stuff i got. I got all the above for SGD 145 only and shipping was RMB 105 (SGD 20 partly because of the heavy coat and shoe box). So add up to $165. Shipping per item is an average of SGD $2.00 only. These stuff will last me for next 1 year.

Lol…i think im quite kiam..i wont cart out anything more than RMB 200 (SGD 40)  for coats and RMB 100 (SGD 20) for dresses/skirts/tops.

Go for SALES , Go for CHEAPER alternatives and CONTROL your spending.

Sometimes i will ask my clients to go home and open their wardrobe, ask them what are they going to do to those that they don’t intend to wear anymore and how many times have they worn per piece in their wardrobe ? How many pieces were bought and ended up sitting there in the wardrobe doing nothing ? How many pieces of clothes (don’t count number of bags of clothes but count the number of pieces !) did they donate off to salvation army or throw away during CNY spring cleaning ?

You can buy clothes that you like. But THINK and CONTROL before you buy. Do you really need it ? Is it on impulse ? How long will you wear ? Save for bigger things in life. Save for your future.

What is your dream ? Do you have one ?

I have mine and let me share with you.

My hubby and i are saving for our house. We are waiting for his PR application and we want to have a house of our own. We want to have kids and give them good education and life. That is why we are both working really hard at work and giving our best. He works hard for his company and i work hard , take care and protect all my clients. I protect my clients as in not “protective” adviser who scared other people poach my clients. I believe my sincerity is one thing that won them over and i will help them in anything even anything outside the finance scope which is why my clients trusted me and we are like friends. I treat them as friends and not just clients. And we all do our best for our friends.

Do you have a dream or a goal ? Save and work hards towards your goal or dream and im sure you will achieve it !