I went through my bank accounts last night and I am happy that I managed to save more money than last year. I wondered how was that possible too, since there wasn't much bonuses this year - only the measly $750 in Dec and performance bonus in Mar.
Maybe because I spent alot on renovation last year?!
Nevermind! Since I have met my savings quota - saving more than the previous year, I shall go ahead and get my Kate Spade bag!!
:) Don't think I am senseless when it comes to spending money ok!
Oh yes! We checked our CFP accounts and based on rough calculation we will have enough money to clear the remaining HDB loan before end of 2010. Yeah! I will be DEBT-FREE very soon and the OWNER of my flat!! No longer a lessee wor!!
Actually we were harbouring thoughts of paying all the remaining by cash, don't want to let HDB earn interest of $90+ to $100+ every month.
As of now, the remaining loan is $42K. After deducting CPF, we have to fork out $16K cash. Sigh, but so 心痛 to part with $16K cash all at one time leh...Still thinking....
Hubby says after that can save up for a condo. See first la, don't know why but I am not very interested in private properties. Maybe for investment ba. Hmmm.....
HAPPY!
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