(2005) Brides of year 2005

[qq77]

morning ladies,

crystal/watashi/janf,
wow... taking abt sahm and having time for yourself..

tell you all, before having inez, i always said that i want to be a housewife.
then during my 3 mths ML, i tell myself, i give up the idea of being a housewife or sahm leow.
cos really not easy. more tiring then working.
some more if really no help, i think really no life or time for yourself.

with inez in ccc, i think i have a bit more time tot i still have to rush to fetch her.
but at least if take leave, can drop her off ccc, then do what i want or go home sleep. hahahah... deprive of good sleep.

janf,
who is helping you to take care of adele when you move to your new house?

 

[caitlyn]

watashi - can understand.. tt's y i took NPL for half a yr.. but i still working lah.. giving tut lor.. no chocie coz need income.. wat time ur facial?

 

[janf]

watashi - im staying at my mum's pl this wk coz ILs away on hols. but my mum got sumthg on in the pm later so i gotta tk leave today so shunpian juz line up all the errands.. dun waste leave haha..

got pics of new hse in blog.. www.wangadele.blogspot.com

MBR aircon window n kitchen odd beam is a headache! hvnt start reno. prob getting a fs master but asking ard nw..

 

[caitlyn]

linda - agree!! i also always wanted to sahm last time.. now i also toyign with e idea of sending kids to cc so if i on leave next time or just need a break can still send them there.. not like if they r home all e time.. haha.. n also good for them to socialaise n learn discipline

 

[janf]

linda - shd be still ILs tk care bah.. juz tat everyday hv to shuttle up dwn to ILs place..

 

[janf]

my ma go mkt now, i quickly throw some AP pkts for A to play so tat i can log onto forum now haha!

 

[caitlyn]

janf - haha.. i also always throw toys to e kids so i can surf the net.. then i feel defeats the purpose of why i took NPL! hahahaha.. so u guys taking reno loan or managed to save up to clear e loan already? i still servicing my reno loan lor.. so v sian!!

 

[janf]

genie - sumtimes hougang mall got IORA sale..

 

[caitlyn]

janf - wat trial class u bringing adele for?

 

[watashi]

Crystal, facial 2pm at centerpoint Leonard Drake . Stopped going to min after wedding.. My fren is wif her n its getting more ex.. Ya lor, need my financial independence to support my facial and mani / pedicure.... Haha.. And my insurance also.

 

[janf]

we paid up for the flat in full from our CPF coz our hse is cheap. but reno will see how..

 

[janf]

trial class at GUG. wait for my ma cum back frm mkt, gotta go bank help her renew FD.. today damn boh eng!

 

[caitlyn]

watashi - oic.. hee.. wanna do lunch n a bit of shopping before ur facial??? haha.. i got tut at 3.. near orchard area.. haha

janf - wow.. i still got 28 yrs of loan for my flat!! sighz..

do u gals save every mth?? after giving tut n tokking ot parents i realised kids education vexp!!!! like tution alone already 400+, plus enrichment.. aiyo.. hope my kids dun need tuition next time!

 

[janf]

yupz i save evry mth.. else eat grass ah!! my ma oways say women muz hv 'si fang qian'..

haiz nowadays kids sure will hv tuition one.. unless my kid so brainy until no nid which i doubt so haah

 

[watashi]

Janf, how much is yr flat? I took 2 yr hdb loan for mine, 2 more instlm and will fully paid liao. Fs charges varies and some diff style, u gotta ask ard. If i gonna b sahm, i gotta sack my maid and she will b jobless ... Haha..

 

[janf]

crystal - y u dun enrol isaiah into cc since hes oredi 2+ now?

 

[caitlyn]

janf - hee.. hw many % of ur income do u save? hee.. u good hor still can save.. my hb n my income just enuff only lor.. haha.. we even thot of selling e car at one pt.. but hor, used to it liao.. n with 2 v hard to go out without a car.. haha

wah, all of u clear flat loan so fast!!! then can get a 2nd home as investment! hee.. since money in cpf cannot touch one!

 

[janf]

watashi - mine 151k. hw much was urs?

the tot of staying on own i scared coz gotta do hsewrk! arghhh!

 

[blue_genie]

janf,

tink there is one IORA sale @ hougang mall starting today. going to peek there after work later to see whether whether there is any good grabs

 

[watashi]

Crystal, wat time u leaving home? U drving? I still comtemplating whether to go pick ryan or not. Feel so guilty if i dun....

 

[janf]

crystal - i try to save at least 10%.. if got bonus then try to save more lor.. but now hse cum, prob all will go into reno haha.. back to sq 1 - DRY!

 

[caitlyn]

janf - coz got ppl at home to look after.. n cc also not cheap lehz.. u intend to enrol adele in cc at wat age? i thinking of sending caitlyn to a playgroup for 2-3 hrs a day type coz she simply cannot sit down for more tahn 1 min n get bored v fast! haha

 

[janf]

genie - really hv?! wah lidat i muz go see! thks!!

 

[caitlyn]

watashi - i anything.. coz i nothing planned.. but yes i gotta drive.. coz i got 3 tuition today back to back...

i understand the guilty part.. hee.. was asking u coz earlier u wrote u must zao before ryan came back.. isaiah already at my dad's.. caitlyn here is bothering me! hahahaha..

 

[janf]

prob enrol her at 2.5yo..? i oso duno.. coz my hub n ILs not in favour of sending her to cc, they say got ppl tk care at home why send her to cc.. anyway.........

 

[caitlyn]

janf - tt's good.. hee.. i dun.. my hb also.. we spend more than we earn lor! haha.. so now must cut back coz our savings all dried liao!

 

[watashi]

Janf...yrs is cheap! Mine was 185k.. We took abt 25k loan. Spend ano abt 30k on simple reno and furnishings. Crystal..tats cos yrs is resale and big mah... Yr floor area is much more than ours. My dream is accumulate enuf cpf to buy ano a pte pty in 5 yrs... So to fulfill tis dream i cant afford to b sahm.

 

[janf]

alamak adele kajiao-ing me nw! carrying her on lap n typing wif 1 finger arghhh

 

[caitlyn]

janf - i also not in favour of cc if got ppl at home to take care.. bt i think those 2-3 hrs type is ok..

gives the caregiver a break also mah.. u intending to try for #2 soon?

 

[janf]

yalor watashi.. my hub oso say muz dream to buy pte ppty in this lifetime.. i said can dream lah.. but ur dream will cum true anot i duno haah

 

[janf]

i scared to try for #2!! reli v tiring.. slp deprived..

 

[caitlyn]

janf - keke.. i just switched on tv for caitlyn.. haha.. i dun need to think of pte property.. our combined income haven't hit 8k.. how to think of pte.. even 7k also haven't hit lor.. coz my income now not stable

 

[watashi]

Crystal, most prob will go pick him lar... I only get to send & pick him when on leave. If we leave ard 12 u ok? I will hv to sweet talk him to let me out of the house .. Haha... Y dun u consider sending mei mei to juz kid playgroup? Juz for 3 hrs to hv fun n socialise. Conv also.

 

[qq77]

wow... today our thread is so lively.
yippeee....
think only me at work and so free to post. hahaha..

watashi,
work must be real tough for you till you have the chong dong to want to throw ltr.

janf,
oic... so you will fetch adele home everyday or only on friday night?

crystal,
i think gg to ccc did helps for inez.
at least she is learning. cos if at home or my aunty help me take care, i think she will not learn much and i dun really have the time to teach her. only weekends have more time to teach niah.
she becomes more independant also.
now everything also want to do on her own.
which i find that she really a big gal now. hahaha..

crystal/watashi,
my house another 7 years will be fully paid leow.
this year gg to make another lump sum payment, so i suppose will reduce for another few years.
hope to pay off in another 5 years times.
we took 17 years loan from hbd and every 2 years make lump sum payment.

reno loan, borrowed from my aunty, this year end, will be fully paid leow. FINALLY... after 5 years!

taking abt saving, i sign up for the POSB "MY Saving A/c", so every mth they will deduct $100 from my account. that the max that i can safe.
better than nothing i suppose.

 

[jendome]

Linda,
Same same... me also sign up for POSB "My Saving A/C"... maxi contribution is $100, I think is really better than nothing loh..... cos although I send Jayden to ccc, I still give my mum the same allowance loh....

 

[caitlyn]

watashi - keke.. i okies.. will u be late for ur facial? i fetch u? u sms me.. we eat in town?

linda - i also tot of opening some acct n saving 100 per mth... i think tt's e most i can save also! yup, a lot of frens feedback go cc got a lot of benefits.. tt's y now i rethinking coz i find isaiah too dependent n v aggressive.. imagine he pull mei mei hair until clumps drop out type if she antagonise him.. so i gotta teach him how to interact if ppl "offend" him.. u noe wat i mean? hee..

 

[watashi]

Linda, its my mgr tats making life tough at work. Job is ok. Woman boss is really diff work wif.. Sianz. My only forced savings is my insurance... Other than as and when i hv excess i will put aside ... But very lar .. Haha

 

[caitlyn]

u gals all buy a lot of insurance hor?

 

[janf]

linda - will fetch A daily..

ok gals, gog out now run errands liao.. tty again..

 

[watashi]

Crystal, i shld b able to meet u b4 12. Say ard 1145. U get ready first k.. I sms u again. K we eat in town.

 

[qq77]

jenn,
ya loh... $100 is better than none...
oic...actually if you wanna reduce, also pai say right for your mum's allowance!

crystal,
hahaha... i know what you mean... inez was very pampered too and dunno what is sharing...
so actually when she just go school, on and off, i will get calls from teacher saying that she beat her friend or push or snatch toys kind of complaint.
now she is so much better and more independent leow. she also know how to take care of the little ones now. but cos she still dunn how to control her strength, sometimes, she seems pulling them..

watashi,
oic... ya totally agree... female boss very diff to work with.
i have insuracne also. but gotta wait till abt 50 years old then can take out... retirement money.. hahhahah...

crystal,
for me, i think i am very well covered leow lah.
i have 2 life insurance, 1 endownment (investment saving), 1 woman policy and 1 medical/hospital policy.
but all my premium are not alot loh.

 

[ting0502]

mornin all... it's fri! keke

crystal- ya v tiring. tink he's used to it le. he charges abt min $50 an hr. he has got 2 upper pri kids which he charges bit lower. ur tuition kids all in sec sch?
i agree go cc got benefits. aldan's surprising me w new things everyday! doubt i can teach him the same when i'm at home cos i'm the lazy kind. i dun even read to him nw lor! haha

watashi/janf- wah shiok to be on leave! me darn sian at wrk too. countin dwn to ML thn throw letter!

janf- u mean u dun hv to service ur hse loan every mth?

 

[ting0502]

talkin abt pte ppty, last sun i went to my fren's plc. a 3 storey bungalow. v beautiful!. 1st time a fren ard my age stays in such a big hse! keke.. her mbr toilet is iike half the size of my mbr! n her walk in wardrobe wil make u go wow wow wow tat kind. hahah.. even gt pte jacuzi pool. was tellin my hb wil we ever hv a chance to stay in such a hse anot. haha!

 

[qq77]

ting,
few mths back, i just went to my ex coll 3 storey bungalow also.

we also go wow wow wow and 2 got 2 maids loh.
and 2 big cars loh.

 

[jendome]

Linda,
Ya loh... how to ka kou and tell my mum I want to give her lesser allowance lei? Difficult, right? So might as well just stick to it and tighten own pocket.

 

[qq77]

jenn,
agree loh...

 

[lingling2]

Wow, i just disappeared for awhile and many psotingsl iao...Great! Keep up the good work ladies!hee..

Ting,
Hehe, tink i know who u talkign abt lor cos read in the May thread lor...wow, really envy hor, stayign so big hse...mayb e parents are rich?

Watashi,Crystal,
enjoy ur shopping later..

Crystal,
actually i also can't save much per month, i tink it will be worst when char starts her cc in march..hiaz...

jenn,
do u still order tingkat for dinner now?

 

[ting0502]

linda- this kind tink we only can dream. haha.. my fren also gt 2 cars but 1 maid. duno hw the maid can managed to clean the hse. i see the stairs i wan to faint liao. haha

 

[caitlyn]

linda - ya lor..i so scared he will hurt ppl.. coz seriosuly he go crazee one.. so mei mei v poor thing must always have ppl watch them.. in sch teachers got so many kids i scared intervene too late!

ting - wah, ur fren super rich!!! i also want!! haha.. i got 1 p4 kid.. tt one only 30 per hr.. so i feel a bit bohua.. n teach 3 subjects some more!

 

[caitlyn]

ting - wat's e max he charges? so far mine all abt 50 bucks niah.. think my area ppl not tt rich.. ur area got more rich clients lro! hee... i have a coll she charge 80 per hr!!! for sec sch leh.. i think those parents are rolling in money lor!