Last week end , the KBS (Korean boyfriend and spouse group) went to JB !

Massage , pedicures , Tesco shopping and sweeping make up removers at Watsons while in KSL mall. Also , we had tze char, bak kut teh and Korean food for dinner. One of the couples who frequented JB introduced us to this place !

 Nam Moon Restaurant in Johor Bahru

Address : 31, Jalan Perang, Taman Pelangi, 80400 Johor Bahru, Johor, Malaysia

It is about 3 mins away from KSL mall and cost 4ringgit to GRAB over. I didnt managed to take photo of the place and the food we had because my hp went low batt ! But i managed to kope some picture from google. I don’t now the source but they are just from google images.

They serve like 12 side dishes !

 

The pancake and Galbi Soup is very good ! The pancake is a MUST ORDER because it is soooo cripsy ! Especially the seafood pancake. The soup also very niceeee !

If you are planning to go JB ! MUST DROP BY THIS PLACE !!!

Btw , was suprised to know that the boss is a Japanese! The pricing is affordable and good.

We went to Bornga in Citysquare previously (The Citysquare in JB ! Not the one at Farrer Park hor !) . Bornga in JB is much cheaper. If you prefer to go eat BBQ , i will suggest Bornga instead of Nam Moon. The meat quality at Nam moon is not that good. It is very thin , dry and hard like bacon. Not that shiok. But the other dishes like pancakes etc are very good there . Very home cook style. So maybe you can go there for home style Korean food and then to Bornga for the BBQ.

Really enjoyed this trip ! Rented a 4 bedroom airbnb at KSL , the guys bought alot of beer , fruits and snacks from Tesco and had drinks till late night 3am. Alot of chatting and can see they are really enjoying themselves. The girls all went for beauty sleep at 1am. The guys were at one corner of the living room and the girls gathered together at another corner. Can’t wait for the next gathering and outing !

Didnt take pictures lately. I realized i missed out quite abit….during a period of time 3 yrs back when i was so insta-crazy. Everything must take photo and i didnt enjoy my food , travel and the time spent tog with hubs (that time he was still my bf). I had to bring a big bag out whenever we go out because my camera is quite big and i have to change lenses here and there. So mafan and cannot really enjoy. Now, phone aside and less photos..enjoy more…Feel so much happier ! That is why i seldom post up on instag and didn’t really blog much about the places i go and restaurants i go to…Just want to enjoy the moment and my food hehe. But of cos if i come across any good things will share lah!

One of the reasons why i didnt blog much about the Korean food or restaurants i went is because….i cook at home most of the time now !!! Hehe so instead of sharing places to eat , i will share the recipes !! I have been cooking and eating at home more these days. Will share why later.

Anyway , here are some dishes i cooked last week !

Korean Cold Bibim Noodles (Bibim Myeon) 

Very easy to cook! A friend’s hubby gave me this recipe.

It is ALMOST the same sauce i used for most of my Korean cooking but the proportion of is slightly different.

The sauce makes up the whole dish whereas the ingredients are quite easy. Raw cucumbers , boil eggs or tofu and noodles only!

 

 

 

How to make the sauce ? 

2 table spoon of Korean soya sauce

2 table spoon of Korean chilli paste (Gochujang)

1 table spoon of Korean chilli flakes (gochu garu)

1 table spoon of sesame oil

1 tea spoon of sugar

1 table spoon of Korean corn syrup or rice syrup

1 table spoon of minced garlic

1 tea spoon of vinegar

Mixed them up in a bowl. This serving of sauce is just nice for 2 pax.

Usually i will make more and keep in a bottle and put in the fridge. Can keep for up to 2 weeks. So i can cook bibim noodle anytime by just boiling the noddles..machiam like eating instant noodle like that. But of course , healther lah. No MSG unlike instant noodles.

 

 

 

 

 

Now it comes to the noodles ! Got this from Koryo Mart for about $4.95 if i remember correctly. Can eat quite long.

Don’t use the entire packet hor! That is alot..can feed more than 10 pple already. Just take out abit to boil first. If not enough , then boil somemore. I always overestimat the amount haha so i ended up with leftovers.

Just like cooking pasta, boil water and put the noodles in to boil. After about 4-5 mins or after the noodles are cooked , sieve it out and rinse it in cold water.

Hubs is particular about tap water. So i use the electric kettle boil the water first and let it cool , pour into a plastic pail , add about 10 ice cubes. That is why it is called Cold BiBim Myeon. It has to be cold then nice mah.

 

 

 

 

I sieve out the noodles using a siever and soak it into the pail of cold water. Use chopsticks to spread the noodles so they can cooled faster.

 

 

 

 

 

 

After sieved out noodles and put into a mixing bowl and mix with the sauce.

I prefer using hands to mix the noodles than chopsticks. It is more well-mixed when i use hands (with gloves of course!)

 

 

Of course , we won’t be eating just plan noodles. I cut the seaweed into shreads , boil eggs and tofu and sliced cucumbers into strips.

 

 

 

Put the well mixed noodle in a serving bowl , add in the boiled tofu and egg ( I don’t like plain boiled eggs so i didnt add in here ) , cucmber strips , shreaded seaweed and garnish with sesame seeds. Best is that you have dumplings at home. Steam them and eat together with the cold noodles. It is really shiok !!

 

 

 

The sesame seeds brand i am using.

 

I created a  “Bibim noodle station” for my hubs. So he can make his own after work while i went out for my client appointment. Haha hubs cannot cook so i need set everything properly. He just need to boil noodles only.

Very easy. So if you are having a home party and want to make your own Bibim noodles station also can. Guests can create their own. Because some people do not like cold noodles. So they can skip the “cooling” part or just partially cool it. Some people who like me doesn’t like plain boiled eggs ( i have to eat it with dark soya sauce ! lol ) can skip the eggs and put more tofu or eat more dumplings. It is healthier than cooking instant noodles. Just boil noodles , add the pre-prepared sauce , slice some cucumbers/boil tofu/egg/dumplings and you can eat already.

If you are interested and want to learn Korean food cooking , these are the common used sauces. I think i blogged about it before but i forgot which post or catagory i tagged in. But here is it :

Soya suace , Gochujang (Chilli paste) , Gochu Garu (Chilli Flakes) , Korean sesame oil , White Vinegar (I always get the Korean brand ones), Corn Syrup or Rice Syrup.  With all these sauces , you can basically cook anything. With $20-$25 you can get all the sauces already. Check for manufacturing and expiry dates. I realized the manufacturing and expiry dates for the Korean sauces here in SG are quite short. There was once i was in a rush and didn’t bother to check. Wah…the soya bean paste sauce was just 3 months away from expiry ! And that bottle cost $12,90 ! Very wasted if i couldn’t finish it.

 

Speaking of that , i have been cooking Soya Bean Paste Stew quite often for the past 2 to 3 weeks haha ..cos that is the bottle of bean paste i mentioned above which was 3 months away from expiry 😦

Blogged about this recipe before but this time abit different ! After watching Baek Jong Won’s show , i learnt a new way to cook ! It is more delicious and hubby loves it so much that he requested for it every few days. Haha Soya bean paste soup is quite salty so cannot eat every day lah ! Eat every day also sian. So usually i cooked twice a week…haha because the silken tofu sell in 2 packets ( 2 for $1.45 at Fairprice and zucchini are also sold in 2 ! )

 

 

Ingredients needed 

Boil water with kelps and dried anchovies. Once the water changed colour, take 0ut the kelps and anchovies and throw away  Keep the soup base aside.

Cut 1 yellow onion into thin slices

Cut 1 zucchini into thin slices

Cut 2 green chilli into slices

Cut 1 potato into tiny cubes or slices

Half a pack of golden straw mushrom

1 pack of silken tofu

 

How to cook ?

1 table spoon of sesame oil into the stone pot.

1 table spoon of minced garlic

Fry zucchini slices, potato and onion slices together with the garlic.

Once the fragrant is out , add the soup base ( that was boiled with anchovies and kelps) and boil.

Add 1 and a half table spoon of soya bean paste ( you can buy from Korean mart ) , add 1 tea spoon of Korean chilli paste (gochujang) and half a tea spoon of Korean chilli flakes (Gochugaru) into the stew and boil.

Add the sliced green chilli , silken tofu and golden straw mushroom.

Leave it to boil on small fire.

After about 20 minutes , it is ready to serve !

I prefer to use the stone pot. The soup tasted much nicer than using a stainless steel pot. Don’t know why also.

Hope this post gives you some idea what to cook this week for your family or love ones !

Heading back to work and working on next post on #Smartlady ! It’s been 4 months since i last blogged on #Smartlady !

 

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#SGAHJUMMA 

Some of my close friends asked me how come i have so much free time and energy to cook ?

My reply to them was :

You think is i am so free and bo eng meh ?

Seriously , being a Financial adviser doesn’t mean i am very free and very nua. I have my fix working hours. I start my day at 930am and all the way till it ends at 10pm on some days. On good days, i will end about 6 or 7pm.

Thought my hubs is pretty health conscious and he eats alot and looking at the way he eat when we eat out, it looks super unhealthy. He can drink and finish the entire pot of steamboat soup. So i try to cook at home as much as possible. I am quite sensitive to MSG so too much msg can give me a very bad migraine for several days. Yes it is that serious.

So how did i manage to cook even though i end my day at 7pm on good days ?

Well , i made the sauce in advance. And i always have packets of pork , chicken , onions and garlic at home on standby. I try to avoid frozen meat but sometimes really bo bian…esp on weekdays where i don’t know what time my day will end. Only on weekends i will go to the supermarket or wet market to buy fresh meat to cook for the day.

I will sort them into many small plastic bags. 1 bag for 1 meal. So i do not need to thaw everything and just use how much i need.

So, how to make the sauce ? What sauce is it ?
Well , if you go to Korean restaurants often , you will see the dish Dak-bokk-eum-tang (닭볶음탕).  It is a spicy chicken stew dish (Chicken + potatoes + carr0ts).  Well , i pre-made the sauce and it can be cooked with anything ! Lean meat, chicken, baby octopus etc etc. The sauce is super easy to make.

If you were to order this from Korean restaurants , it will cost between SGD 45- SGD 65 depending on the size. But if you were to cook it at home , it will cost you less than SGD 10.

So how to make the sauce ?

1.  2 to 3 table spoons of Korean Red Chilli Paste

2. 1.5 table spoon of Korean Red Chilli Flakes

3. 1 table spoon of Korean soya sauce

4. 1 table spoon of minced garlic

Just mixed all the above in a bowl !

I made enough to fill up a small bottle so that when i get home , i just need to throw the meat and use a spoon to scoop sauce instead. My hub doesn’t know how to cook so it is easy for him also. Sometimes if i know i will be back home late the next day , i will season the sauce and the meat together and put them in a plastic bag. So my hubby can just throw it into the pot and let it stew… that’s it.

Dak-bokk-eum-tang (닭볶음탕)

Btw, this is not the final. I just added in the potatoes so still looks very soupy. The sauce will be slightly sticky after that.

This is super easy to cook. A Korean friend of mine who works at a Korean restaurant gave me the recipe. My MIL’s recipe too cheem and i cannot find some stuff in SG…so i shall stick to my friend’s.

How to cook Dak-bokk-eum-tang (닭볶음탕)

You need chopped chicken parts (i like wings and my hubs like drumsticks so i bought only these 2) , 1 green chilli, 2 potatoes chopped into pieces, 1 onion cut into slices, 1 carrot chopped into pieces and the sauce i mentioned above.

Heat the pan with oil.

Add the sauce (ingredients mentioned above) into the pan and let it sizzle.  If you are like me who doesn’t like too “meaty” taste, you can add a few ginger slices.

Once the sauce sizzles and heat up , add in the chicken parts and mix with the sauce together.

Once the chicken parts turned slightly golden brown , add a cup of water to boil.

You can choose to add boiling water or make your own Korean stock with kelps and anchovies. I prefer to add the korean stock ( kelps+anchovies) instead.

After the water boiled , add in onions and let it stew and boil for about 30 minutes.

After 30minutes , add in the potatoes and 1 chopped green chilli and stew it for the next 30-40 minutes.

Sprinkle roasted sesame seeds for dressing and ready to be served !

#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.

#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 !

Busan : My Wedding in Korea

Our Korean wedding was held on 8th October 2016.
It was a beautiful experience and i really like the wedding concerige services in Korea.

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The room where i tried my gown few days before the actual day. Because i only arrived a few days before my wedding date , i only have few dresses to choose from so we decided to upgrade the dresses to premium range which just got featured on a wedding show and im the first to wear it ! YAY !

Their make up skill is really..wahhhh …it lasted the whole day and skin still looks dewy and natural. All done with sponges and no brushes even for eyeshadows.

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The groom choosing his tuxedo. The service is very bride focus. So the groom one was chop chop and done.

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Also before my wedding day , i went to my favourite shopping place Seomyeon to do my nails.

 Very shiok. Because i do not need to lift my feet or arm. The lady just press a button and is automated.  I rest my arm on a cushioned arm rest and she press a button to lift my arm at a comfortable angle. I just fell asleep there. They also served me some tidbits and drinks and fruits. Shiok.

I cannot remember the name of the place but if im not wrong it is Nail Gallery. Quite big and is 3 storey high because they also do lash extensions etc. But don’t expect cheap price because the service is good.

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Plus few mins of foot massage. lol.

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My Singapore relatives and parents can for my wedding. So we rented an apartment facing Haeundae beach. 3 bedrooms enough for 9 to 11 pax with big kitchen , rooms , toilets and living room with beach view balcony. All together was only $1000 for a week stay. Drinks , laundry room etc all included so it is very comfortable like living in your own home. The place is really bigggggg…can play catch with my dog there if she is there lol.

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And then it was our wedding on 8th Oct.

Our wedding was exceptionally long..took 2 hours and usually Korean weddings only take about 30 mins to an hour at most. We did abit of SG and KR fushion but still keeping the Korean tradition. The only tweak was we added 2 video segments. And he also performed an event for me ( Singing his favourite Yue Liang Dai Biao Wo De Xing song and getting his friends to give me roses one by one ) . Been together for 3 years and this is the first time i received flowers from him..haha our wedding day.

Here are photos taken by my guests.

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My father-in-law passed away 15 years ago from heart attack in his sleep. So my father-in-law’s brother took his place during the ceremony.

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From today , let’s live happily ever after as Husband and Wife…with alot of naggings , teasing and laughters !

Now need to work hard for our future and have our own mini RJ and mini PL.

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#Smartlady

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This week was an eventful week. I had a day surgery and scopes done for my stomach and colon , my client who was pregnant was hospitalized due to appendix infection and due for surgery, a friend was diagnosed with an illness , a friend’s dad suddenly fainted and was pronounced brain dead and a friend’s toddler had cancer.

Since i started this insurance and finance profession early last year , most of my clients…i would say about 2 out of 5 have medical issues. My clients are between 1yo to 40yo (youngest is newborn). Hence some of them have issues getting life insurances and i have to fight for their cases so that they can have the optimal insurance coverage.

My surgery and day ward cost about $4000+ (all claimable by Integrated Shield Plan with my Private Insurer) and i have not included the post surgery follow up.

I should have went to see the doctor in August but because of my work and wedding preps , i dragged on and somehow it worsened. So i decided to make the call and get my doctor appointment fixed and tell myself i have to go no matter what. Took a day off and just go. I went to the hospital alone. Surgery took 45 mins and everything went fine.

If you feel something is not right , go for medical check and if you have not done the check for many years , go for it. Also , if you have not gotten your Private Insurer hospital plan done up , better go for it. If you have not done up your life insurance or beef it up , go for it. Don’t take the risk alone. Diverse the risk to your insurer.

A friend of mine did not go for the plan and the other had partial coverage and only went for the main plan with Prudential (paid by medisave only). They were both diagnosed with conditions and because of the size of the hospital bill , they procrastinated and did not want to go ahead further with the checks and their response to me was “just wait and see first how is it”. The concern of the bill size came before their health.

Some felt that they spend that $700 a year on hospital plan or $2k on a life insurance but if he only claim $4000 from hospital plan , it is “bo hua” ( Not worthy ). And if no claim made , even more “bo hua”. It is not about value worthy but to have financial safety net because your life is more valuable and time with your love ones are more precious.

Insurance is not about “profiting” from an illness that drains our body energy, drains your bank account , takes time away and burden your family. Frankly speaking nobody likes or wants to make a claim. No insurance agents are happy to that their client is making a claim. Not because they are lazy to process the claim or they find it troublesome. But because sometimes friendship are forged and nobody will feel happy to know that their friend is sick.

Not all insurance agents are salesman-ish. There are good and reliable ones who are really passionate in helping people to do planning with integrity and sincerity. Give those you meet a chance , if you are not convinced with them , then don’t meet the 2nd time. You may not know you will meet a good and proper advisor or maybe even made a good friend who will change your life. Give yourself options and give others a chance. If you are in financial trouble because of an illness, your family can only help that much , your friends will only visit you in the hospital with flowers and fruits and only your private insurer can solve your problem and buy time for your to spend with your family.

So here is something i want to share : Don’t take TIME for granted. Don’t procrastinate. Don’t wait for things to happen and it will be too late.

These words are not just from me who is an financial consultant or your next door insurance agent but from a normal human being just like you who is also somebody’s wife, somebody’s daughter and somebody’s friend.

Go for your medical checks if you need to and have to , don’t wait. Mai tu liao !

Also another update , went for review and i have to go for a fortnightly therapy which costs $600 every 2 weeks till im cleared from condition. Fortunately , all claimable from insurance. Even you don’t have financial issues , don’t work just to pay for your hospital expenses. Don’t wait till something happen and then go and get it then it is too late. This kind of things happened to some of my clients. Speak to someone if you have to and if you have no one to turn to and want to ask me questions, feel free to email me anytime peonykissblog@gmail.com .

Speaking of health issues , my hubs and i are planning for children probably next year. Going for gynae check ups first.

Anything i should look out for ? Care to share ? Can email me peonykissblog@gmail.com.

Thank you !