(2005) Brides of year 2005


Ting,
Oh really ??? Cos i am scared that if the weather siao siao is hot, then long slv clothings will not be relevant lao..me intend to wear 1 jeans, change 1 jeans there. Must buy more clothings back.... kee kee
 
caitlyn- soooo cute!!! bb stuff r all so adorable! tat day we went to kiddy palace saw the bb clothings, so small n cute lor! keke

jenn- yup! cos my pastor jus came bk frm TW last wk. he says rainin everyday leh.. average temp abt 18 degrees.
 
ting - hee.. yah lor.. but i really gotta watch my spending.. tt day was just doing a rough calcultation n our "fixed costs" already ard 3K a month.. once we factor in reno loan.. darned scary lor..
 
caitlyn
Fixed cost olready 3K, that is quite alot lei, really ought to watch spending lao... + bb feeding, oso need to involve a big sum of $$

Have u finalise which bank u gotta borrow the reno loan ???
 
jenn - yup.. really very scary lor.. but we factored in most things liao.. sighz.. wat to do.. we din expect bb.. but i dun mind lah.. anything for bb! it's a blessing tt i can't complain abt lor
 
jenn - not borrowing from bank.. getting from hb's company's co-op.. more flexible repayment scheme.. when bonus, can pump more in w/out admin charge..
 
caitlyn - how much reno loan are u getting? tink gotta work within means coz not easy setting aside $ juz to pay bills..
 
Jenn,
me still consolidating the list leh..keke... =)..

It IS goign tobe cold at TW lor so bring a thicker jacket ya...

cailtyn,
ya lor, but come to tink of it, buying during a BP can save alot too =).
 
caitlyn,
Wa, at least both of u get the loan fm ur hb's company's op can save a few hundred bucks on admin charge... and that is a good save lao.
 
janf - i also dunno.. coz it seems like our reno gonna cost.. we intend to work within our means also lor.. dun wanna end up straining r/ship just coz of $$ matters.. but wat's for sure is w/in e next few yrs, we wun be able to have much if any savings.. coz bb was unplanned.. but it's better to suffer when younger i guess.. =)

newbbi - yuppers.. but buy too much tt's y end up wll spend much more.. i not even buying clothes tt are a necessity lor! haha

jenn - yup.. hopefully.. e interest rate very similar to banks though..
 
caitlyn- tats true. goten settle own exps 1st! we nw tinkin of doin minor renov to our hse. put curtains at the walk in wardrobe entrance n probably knock dwn part of the wall at entrance of kitchen to allow more lite into the dining area n also prepare the spare room for bb use! hehe =D
 
ting - hee.. but think u n ur hb financially def better off lah.. hee.. i dun intend to have a bb room coz realistically bb will sleep in our room.. wait till bb ard 1 or so can sleep in own room, then i will ask him/her to choose own stuff.. haha.. guess by then at least can point to wat s/he likes?

just curious, roughly how much cann u gals save a month? more than 20% of salary??
 
janf - for his previous school fee, his parents managed to pay it coz his father withdrew his cpf.. which is not much.. then for next yr, we ask him to cash his endowment policy which his parents bought for him last time.. no choice lor.. guess we a bit selfish but really no means to support him..
 
caitlyn - good mths where i got no credit card bills, big tik items to pay etc, squeeze squeeze abit still got 20% savings. but rarely, haha! the only time i can save tat much is during bonus time..! me and hub frankly no $.. sad to say our combined gross salaries not even 6k.. damn chiam..
 
caitlyn- we hope to clear most debts by this yr. stil owe quite a lot to PILs. most of our bonus wil go in there n clear once for all! thn can start savin for bb liao =) i dun reali hv a fixed amt of savings but wil try to save 10-15%.
when wil ur hb's bro grad??
 
caitlyn, aiyo i tell u..... i tested last nite and this morning and conclusion is inconclusive! why? cos i tested on the cheapo test kit again and this time i saw a faint second line so i was so excited but i told myself test again the next morning to be sure... so the next morning, i used the clearblue compact test kit and only one line... arrgghhh.... dunno i did correctly or wat cos even that one line is super duper faint..... basket! wasted my $15.....
 
janf- u r not alone! me n my hb gross also less thn 6k but nid to pay for car, hse n all the loans! at least u dun hv this 2 huge loans now n can slowly save for ur new hse..
 
yup ting, in a sense, i still can slowly save for new hse coz still staying wif my ILs.. but we oso give my MIL and my ma quite a sum of allowance per mth.. when come bonus season, my MIL and my ma oso got 'bonus' woh! shiok rite?!

sigh. tink every1 of us oso got more outflow than inflow every mth.. only a matter of how much.. left hand in rite hand out lor..
 
janf, me too lor.... now we also giving both side of parents and bonus time, also gotta share the bonus..... darn sian.... but my savings is more than hb cos i've been taught to do savings since a young kid so my posb savings account figure got around 5 digit (since P1 CNY and birthday APs) but can see that slowly reducing now that we need to pay for car, petrol and own misc exp....
 
Ting,janf,caritlyn,
Me too, combined income oso dun reach $6K per mth... very poor wan... kee kee, that is why we chose a smaller cc car - picanto lor.
 
janf- lidat u richer thn us here! stay w PILs! keke.. so u not poor lah.

daphne- maybe wait 1-2 days, if AF dun report thn test again! actuali i nt sure hw much our mthly exps cos hb pays the bulk of it n i jus transfer $$ to him, he wil settle all =P
 
for me:

allowance to MIL and own ma: $600
mrt: $60
food (wkdays+outings): $300?
avg cr card bills: $200
hp/incum tax/insurance: $100
other misc: say another $250

so per mth outflow is $1500 liao!
 
haha ting, u see me good i see u good lah.. sometimes i even hv to help pay hub's bills.. then now my MIL got a new car, me and hub gotta pay part of the mthly instalment which is another $300 starting jan07.. bleh..
 
For me,
Mthly Installment for CC + school fee + reno loan + misc installment : $ 1000.00
hp/insurance/internet : $250
Allowance to parents :$400
food + outing :$250
Mthly household fund :$100.00

per mth outflow is $2,000 , how to have extra $$ for saving lei ????
 
daphne - hee.. all e best! faint positive also positive.. and pls read instructions in future!! hahahaha.. if u really strike, then u and watashi not only will be in e same singaporebrides thread, also will be in e same singaporemotherhood thread!! =)

our output:
allowance to parents (both sides): $1200
insurance: $600
car instalment + petrol: ard $500?
if reno loan: $600
gynae's fees: ard $200/mth

those only fixed costs at e moment.. dun add food and all lor.. scary rite!
 
Ting,
No lei, the 2K is strictly on my side only.
So far, only we shared the renov loan and hosehold fund, cos his main installment is his car and petrol...
 
my cost abv is for myself alone only.. hub's outflow lagi faintz.. which i dun even wana know.. haha.

haha ting, u oso took instalment plan for the TW trip? my pama simply dun ustand why nowadays youngsters go for hols muz go first then come back pay thru the nose.. i told them no money is lidat one.. live on credit lor.. sporeans' way of living..
 
wah, janf you cc bills per mth so little?
me like spend a lot man...

edited version to show my own exp:

Monthly car loan : 350
Petrol (avg) : 150
Allowance to parents : 350
MRT + Lunch : 150 (sometimes hit 200 if got take cabs)
HP/internet/cable TV : 220 (my own as hb's hp is claimable from company)
CC bill : 300 - 500 (my own if no major items)
Insurance : 300 (my own only)

Total outflow : 2020 (ex road tax and car insurance).
 
me n hb no longer have clear accts amg us.. i just noe we like no longer saving ever since i started seeing gynae! haha.. but no option to change to kk coz we feel it's a bit risky for my case..
 
morning all,

wah, i am only on half a day leave yesterday, so many postings.

watashi,
congrats! you are so lucky.
do take care and eat lots of healthy food.

ting,
dun be too stressful over preggy. my AF should due on 30 Nov. hopefully, it dun report.

jenn/janf/ting/caitlyn,
our combine salary is less than 5k. we are worst!
mthly income can only cover all our expenses and the contribution to our joint a/c.
saving comes in only when we take our bonuses.
 
daphne - my cc bill of $200 is self-consolation amt! haha. last time i started working, more kuazhang.. cc bill per mth can hit $400.. oso duno sign till where.. juz go out meet frens eat dinners drink kopi etc can sign sign w/o realising damage done.. now i try to cut down liao.. and if possible pay by cash coz at least i can keep track..

but this mth i juz bot $100+ of anna sui cosmetics and dare not tell hub! haha. anw, my money mah, not as if he will pay for me.. =P
 
caitlyn - as civil servants, go kk to deliver is fully paid for?? but for ur case, i agree dun take the risk.. this kind of $ cannot save..
 
janf, yeah i know... once i blew almost 1k just on 2 pair of glasses and contact lenses.... and hb was shaking his head.... this 1 k, i end up paying by instalment too..... actually i think my monthly cc bills are all the instalment payments for gym and dunno what else.....
 


daphne- u share the car instalmt ah?

yup janf, payin by instalments for TW trip. if not, hw to afford!

linda- hope u the nxt one to strike! keke
 
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