Category: Lifestyle & Hobbies

  • Lessons from Downsizing

    Lessons from Downsizing

    Some friends were in shock when I told them that I’ve moved to an apartment that is slightly less than 900 sqft in size with my wife and my (now) 2 year old son. Yes, you heard that right — I went from a 1,200 sqft “5I” HDB apartment to a 900 sqft 2-room private apartment.

    “Can stay meh?”

    “Not very small meh?”

    I didn’t think much of it until I moved in. And when I did, I thought: Jit bai siao liao. (I’m in trouble now.)

    It was easy to go from a bedroom at my parents’ (approx 150 sqft?) to a 1,200 sqft apartment all to myself (and wife), and I thought downsizing to 900 sqft with a additional human being occupant (the baby) shouldn’t be a problem. In fact, it was such a challenge that it made some significant changes to my/our lifestyle. And I think to myself: How could I have amassed so much material junk in a short span of seven years that I can no longer fit all my belongings in a house even though it is easily 4 times the size of my old bedroom? It is scary.

    “How could I have amassed so much material junk … that I can no longer fit all my belongings in a house even though it is easily 4 times the size of my old bedroom?”

    Let me also, for the record, just point out that this has got nothing to do with money or being wealthy — a person of low or average income can also hoard enough to fill a 5-room flat.

    I have been on a mission to minimise since 2014, possibly even a little bit earlier. It first started with clearing out old hardware at my parent’s office, where I realised that it was actually more difficult to get rid of things than to acquire them. I wrote another blog entry in 2015 after continuous effort to minimise seemed futile, and then again in 2016 detailing all the crap I had unearthed from moving to a temporary rental apartment.

    In spite of the multi-year effort to reduce, I still had loads of junk with me as I move once again in early 2017 into my new tiny apartment, and this is when I also realised that part of the problem with our rampant consumerism is the abundance of seemingly permanent storage spaces. (My USA friends be like: “Really? We have an entire basement/garage.”) Most Singaporean families buy instead of rent their homes which means people feel more settled and are more willing to buy things to keep/hoard. Our apartments aren’t getting any bigger, though, so some of this mentality needs to change.

    “… part of the problem with our rampant consumerism is the abundance of seemingly permanent storage spaces.”

    So moving into a small apartment forced me to really downsize. I more than halved my wardrobe. I threw and donated a bunch of stuff away. I actually felt bad, because it seemed wasteful to throw useable stuff away, or unkind to donate crappy items that the poor volunteers at Salvation Army have to sort through. I also sold stuff away on Carousell — usually things of higher monetary worth such as furnitures, gadgets, car parts, collectibles, crap, crap and more crap.

    Because of all the trash I threw out, I actually started reading up on waste management in Singapore and found out that we generate a shocking 8,559 tonnes of waste per day in 2016! That is 8+ million kilograms per day! Where the hell does all these go? Before we run out of space to build houses, we probably run out of space to dump waste! And I am not proud that I am contributing to this. In fact, I think the government may need to introduce an initiative to reduce waste.

    “… we generate a shocking 8,559 tonnes of waste per day in 2016! That is 8+ million kilograms per day!”

    There was also a blessing in disguise — the building where I temporarily stashed my stuff was on fire. The corner where my items were was not burnt, but SCDF flooded the entire building with about one inch of water on every floor to cool it down and several items sitting on the floor got damaged in the process, so I took the opportunity and wrote some items off (even though some were not really damaged) and got an insurance payout.

    But I’m not done yet. When I renovated the house, I designed it to have as much storage space as possible but I still have so much stuff that I rented a warehouse to store things that I do not need on a regular basis.  I am paying close to $2K a year for a warehouse to store items that may possibly not even sell for that amount of money in total.

    “I pay close to $2K a year for a warehouse to store items that may possibly not even sell for that amount of money in total.”

    So my friends were somewhat right — can stay meh? Can. Only if I change my way of life.

    I was used to buying things and just storing them away hoping to use them later, “just in case” — like a piece of furniture, or some gadget, or a tool, etc. I would also buy things in bulk due to bulk discounts and there’s nothing really wrong with that, except that I sometimes stash them away and forget what I have and end up buying them again. My parents recently renovated their house and in the midst of packing found out that they have so many boxes of tissues that  could probably last them an entire year!

    “… I sometimes stash them away and forget what I have and end up buying them again.”

    And then of course, I am used to a house full of things I could just reach out for. All this had to change.

    I am now extra careful when making a purchase; as a result I spend less money. You may think that’s something probably insignificant, but it adds up. A small house is easier to clean. Less stuff means less work taking care of, dealing with, cleaning, or fixing them. I also indirectly channel extra time (and money) on people and experiences instead of things.

    I think we can also teach the young a thing or two about consumerism and materialism. I have a friend who says as kids grow up they’ll need space at home and he actually dedicates a room for his kid’s toys and stuff. I don’t really agree. Kids need only the same basic stuff adults need. For anything else such as sports or  hobbies, they should seek other places to enjoy them and make friends in the process — not lock themselves at home.

    If I had a choice, would I want a bigger house? Yes, only if I needed extra space for another kid. But if I had a bigger house, it would be to have more open spaces, not storage spaces. With that, the one piece of advise I’d like to share with friends who are buying their first homes — it is OK to start small.

    “With that, the one piece of advise I’d like to share with friends who are buying their first homes — it is OK to start small.”

  • Why you should seek a specialist care ASAP

    Why you should seek a specialist care ASAP

    Just something I would like to share, based on my real personal experience.

    18 Jan, Wed. Night. I had severe right upper quadrant (RUQ) abdomen pain and went to Ng Teng Feng (Jurong Hospital) A&E, and was warded for 1 day. They had originally suspected me to have a gallstone attack at A&E. I was given IV painkillers (Tramadol), did some ultrasound, sent me home with painkillers (more Tramadol) and then scheduled for a follow-up about a month later.

    5 Feb, Sun. Night. I had a 2nd episode and did not go to the hospital. I took the painkillers (Tramadol) which was not much help.

    8 Feb, Wed. Afternoon. Went for my follow-up appoint at NTFGH. Doctor (mis-)diagnosed me as having Gastritis (“Gastric”). I even double checked with the doctor TWICE and described my pain because when symptoms were not typical of Gastritis. He said I didn’t need my OGD (gastro scope) but I insisted to have it done to confirm it is Gastritis (or not). The OGD was scheduled on 13 Feb (Monday). Pay attention to this date.

    8 Feb, Wed. Night. I had another episode (my 3rd). My episodes are getting more frequent. Once again, I took the painkillers (Tramadol) but they did not help.

    9 Feb, Thurs. Afternoon. Sought private doctor opinion and was immediately diagnosed as having gallstones. Doctor said my described symptoms were obvious, but he did an ultrasound anyway to confirm.

    12 Feb, Sun. Night. Had my 4th episode, which was more severe than the first 3. Note at this point, my 2nd, 3rd, 4th episodes all occurred within a week. Checked myself into Farrer Park Hospital. Was given morphine to reduce my pain, and a surgery was arranged for the following day.

    13 Feb, Mon. Afternoon. Surgery done. Doctor said my gallbladder was already inflamed by the time I had my surgery, and was lucky to have done the surgery and not have it delayed otherwise it would have been more complicated if inflamed further.

    Lesson learnt

    Go straight to a specialist. Thankfully I sought 2nd opinion instead of waiting for atrociously long follow ups at NTFGH. Any further delays would have lead to complications. During a short period of 3 days (9 Feb – 12 Feb) I had immediate medical attention which was necessary. If I had a more serious condition, I could have possibly died from waiting. Realize that my surgery was done even BEFORE my scheduled appointment for the OGD at NTFGH. This is how slow the government hospitals are.

    Bump your insurance coverage to the max. I had purchased only medical insurance coverage for up to Government Hospital (Private/Single Bed Wards) since a long time ago, when I was younger. I haven’t thought of upgrading it. My hospital and surgery bill came up to $20k. I had to pay $8k+ cash because I didn’t have full private hospital coverage. This is not including the money I already paid to NTFGH previously.

  • Spring cleaning surprises

    Spring cleaning surprises

    I wrote two entries towards the end of 2015 about slowing down (a.k.a. work-life balance) and de-cluttering.

    Enter 2016 + Chinese New Year spring cleaning. Spring cleaning this year it is a big affair because I am moving house, so almost every corner of my house gets packed.

    Here’s the top three surprises I’ve found in my home:

    1. There are more kitchen appliances than you can ever imagine. The kitchen already has a hob and a built-in oven, but then there’s also an air fryer, mini toaster oven, microwave oven, juice blender, food blender, handheld blender (for baking?), pots, pans, more pots, even more pans, tea sets, even more tea sets (I don’t even drink tea, so they have been in storage for eons), dozens of cups/mugs/salt+pepper shakers from events or weddings.
    2. There’s more gadgets than you can ever use in a day. Air filters. Fans. Radio… speakers… more speakers big and small. Earphones/headphones… lots of them. Old MP3 players, iPods, old iPhones, iPads, cameras. USB cables, power cables, even more USB cables. TVs — two of them. Ugh!
    3. There’s more cleaning products/gadgets than you ever need. Vacuum cleaners, steam cleaners (this was really a bad purchase on my part), traditional mop, high-tech 3M mop. Long brush, short brush, big brush, small brush, weird shape brush. Febreeze, Dettol, Lysol, Clorox, 3M and about a dozen other cleaning solutions.

    It’s NUTS! All the crap I bought. All the things I was made to believe work wonders when in fact all I really needed was probably a third or less of those. I sold/donated/threw a bunch of stuff away, and it was really hard to make some of those decisions, but I had to because the harder the decision, the stronger the memory. I am also making it a point to blog about this so I will never repeat the same mistakes.

    But what really surprised me was my OCD tendency to keep track of all my bank statements, bills and other documents. To my surprise, I have every single one of my bank statements since 2007. Looking back at them reminds me of my past, and tells a better story than I can even recall myself:

    I was living paycheck-to-paycheck back in 2007 and had close to no savings. I had maybe several hundred dollars balance at the end of every month (and it never grew). I remember I would look at my bank statements and make a note beside every transaction trying to figure out what it was for or where I spent my money, but a large bulk of it would be cash withdrawals at the ATM, so it was not clear if it was food, fancy restaurant meals (did not have credit card back then), cab fares or maybe even shopping.

    The turning point was when I started tracking my expenses in detail. Having an iPhone 3G (2008) and an app was key. I tracked close to every single cent I spent and saw that food expenses made up around $600/month. I tried to reduce, but it was hard because I worked in CBD, and food was (is) generally expensive. I also ate out most of the time — including dinner. My transport expenses were also high, because I occasionally cab or drive to work and had to pay crazy parking rates in town.

    I switched jobs in 2008. I worked outside of CBD but I drove to work daily and still had to pay for pretty expensive parking (averaging around $400/month) because I could not get season parking and had to pay hourly. However, food was cheap and I ate chye png almost every day for lunch and that brought my total expenses down. Together with an increase in salary, I started to see some savings, and with some excess money, I also bought basic life and health insurance.

    The rest of the story will be for another day. Anyway, as I flipped through my bank statements, I saw how this similar pattern added on to my savings bit by bit. My income has risen over the years of course, and my lifestyle may have also gotten more expensive, but the key was that my lifestyle expenses grew less than my income, and I think this is really important. Hopefully, an old friend is reading this — YOLO is not the way to go.


     

    I said in an earlier post that I would write about my resolutions for 2016. So here it is.

    Be grateful. I am grateful for all the people whom I’ve met along this journey, good or bad because all that has happened made me where I am today. I do hope to continue having more exciting years ahead.

    Reduce. Consumerism is scary and it will suck the life out of you. The next time I whip out my credit card, I need to think thrice. As a result, I’ve also reduced all my credit card limits. Banks are really insane these days to give out 4x your monthly salary.

    Focus. I had little distractions during the early years of my work life and it allowed me to focus on what I had to do, so I could do it right. I’ve found this very important, and the lack of focus is the reason why a lot of people fail. Not being arrogant but I do get quite a fair bit of “noise” with people approaching me to become a tech co-founder. Do not take offence if I reject you because I can’t do so many things at once; if I were your co-founder, you’d want me to focus on your stuff too.

  • Looking back

    Looking back

    It’s December again. How time flies. Next year marks the 10th year of my “official” life as an economic hamster. It’s starting to become obvious that the “wheel of fortune” keeps spinning, but you seem to get nowhere — until you jump off.

    I have tons of work and business related commitments. Now that I have a child, I have even less time for myself. I’m very tired and worn out.

    To most of my peers, I would probably seem to have “made it”. I may have some wealth, but at this juncture I’d really love to have some time instead to do the things I want and spend more time with the people I love.

    I never set out to work with the aim to become filthy rich. All I set out to do was to make some money so that I could do or buy the things that I want and then set aside some money as savings. Not that saving up is bad, but mindlessly hoarding money can also get out of hand pretty quickly. FYI, I found out that obsessively hoarding money can be some rich people’s hobby — some rich people don’t spend; they just store more and more to an extent they have so much money that they do not know what to do with it.

    When I first set out to work, I made barely enough for myself to get by. However, I spent my time (and money) on things that I enjoyed, such as R/C helicopters, computers, gadgets, music, games, books, etc. It may sound absurd, but these little things also helped build some of my knowledge/skills and even my (social) network. It was also one of the best times I’ve had — I would stay up on Fridays to repair my R/C helis and wake up early on Saturdays to meet friends at a “fun fly” where a few enthusiasts would gather at an open field to chit chat, share knowledge, and watch each other fly our R/C helis, crash them, then spend our Sundays buying parts and repairing them, then the week starts all over again. The point is: having something you love/are enthusiastic about makes your life meaningful and keeps your energy (“qi”) flowing.

    But I had no savings. That was the only miserable part.

    These hobbies started to take a backstage as I got busier with business and work. I knew that having no savings was bad and I have definitely come a long way from then. Today, I no longer struggle to pay my bills; I can easily afford the gadgets I want, and can even afford to have people clean my house on weekends — a luxury to most people. I’m no where near to being a millionaire of course, but the point is that I do not feel poor either.

    But what have I given up? Time. Lots of it. I have given up lots of hobbies and personal projects. I know that I am losing traction trying to keep up with technology —  the core of my livelihood. I don’t have much time with friends, and likewise they don’t have much time for me either.

    The worst part of all this is that it’s hard to get out of the spinning hamster wheel. If you jump off, you may fall and hurt yourself. The hamster wheel may also be spinning so fast that you may never be able to get back on. Slowing down is the hardest thing to do.

    I went to KK last weekend for grandma’s funeral and during my stay there I took my mind entirely off work. I spent a day chatting with my cousin whom I probably have not spoken with in 10 years. He shared about his small business (in Sarikei, East Malaysia) and how he makes just enough to get by. RM2,000 every month (S$700) would allow one to live very comfortably in his opinion. He spends his free time with family, friends and church. It seems to be the way he is going to live the rest of his life. It struck me that in a small town where life is simpler, people were indeed happier because they found the right balance between money, time, and spiritual dedication and that is the way life should be.

    It is ironic that we all trade our time to work for money, and once we have (some) money we want to trade it for time. Some people, though, use money for things that consume all their time instead (in an unfavourable manner) and that is when it gets really fucked up, and I hope none of my friends are doing that.

    Every Chinese New Year I clean my house and pull out my old R/C helis and camera equipment. I pack them in nice boxes, hoping that some day I will find time to play with them again. Year after year, I never did. Once reality sets in, you will see some of these items on Carousell.

    Right now I just want to get things I need to do done and over with so I can get them out of my head. I will use the rest of December 2015 to think through what I would like to do for 2016 and blog about it when I have a better idea.

  • Life changing experience

    People tell me that parenthood is a life-changing experience. I don’t think I doubted that, but it did not exactly change my life the way I thought it would have — at least not yet.

    It is certainly tough caring for a newborn since the usual sleep/eat/poop cycle is approximately bi-hourly. I am not the type who can nap; I will wake up from a short nap feeling terrible. I cover night duties, so as a result I do not sleep until day break. If I am lucky, I get to sleep at 5 a.m.

    I end up sleeping very little each day. But just being tired is not what I would call life-changing. I have certainly been through times where I slept very little. Like going to Army/BMT, the time comes and you suck it up.

    Before the baby, most of my nights were spent working late, having dinner with friends, watching TV, busybody-ing on social media, etc. The arrival of baby meant I had to be home early and stay home for most parts of the evening. There’s only so much TV and social media I can feed on before I get bored, so I decided to spend my waking moments learning new things.

    During my army days, I spent free time reading books/online articles or creating stuff — software, music scores, etc. I learned a lot.

    So over the past month I started making a list of things I wanted to try/learn, and attempted them one by one. Baby time is great for reading or watching training videos because my hands are usually busy carrying or feeding the baby.

    Some of these action items actually required money, i.e. I had to buy/pay for stuff, and that was the biggest difference from my army days when I was broke.

    Money probably made some of those things easier/faster; but irregardless, I believe progress can still be made.

    Social time can really dilute you. I probably learned more (apart from parenting) in the last month than I have in the entire of last year.

  • The greatest gift to life

    The greatest gift to life is a new life.

    Born May 25, 2015 at 9.06am.

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