to extend that help, even if it's troublesome for them they will be there, so that's something that I'm super thankful for yeah and people who never give up on you, the cliche like even people will never give up on you even when you give up on yourself yeah


but he‘s still there, ya ya ya so that's kind of relationships


ya, okay okay so what's, what what what is one of a memory wait let me phrase it what are some memories you have with with alex or with any of your friends


like a really nice memory, something you will cherish,


(uh huh)


oh !wow!


, ya


!aiyo! do you all do you all cuddle together, okay


people tell me oh okay okay, oh okay


yeah yeah, best okay


ya sounds like a very good bonding experience, okay okay, oh my god


in the rain, oh okay okay, so they brought this sunshine with them , okay


, like in a good way, okay


ya ya correct, ya okay okay okay, interesting interesting, a lot his stories about army eh


ya, okay


I see sounds quite fun ya, something to look forward to and work towards


, okay sure great, it's nice to know people take the liberty to come their house and scold you


(ppl) okay (ppb), okay


I'm jacintha uh, so CPF contributions I think they're quite helpful especially when you're in singapore cause uh


mostly cause you need to , buy a house and like the CPF actually really helps to like buy house and, , and part of your contribution go to like your MediSave account which helps with , any medical bills and expenses so I think especially it's in singapore when you have this kind of


uh systems that help you kind of like, it's kind of like the government helping you save money to you know, to pay for this kind of like big things yeah


yeah, yeah yeah cause like because uh like there're some, uh like percentage of the pay gets cut and then it goes to CPF and then you're like cause when you're young like even now I'm like like why I don't I don't need the money to go to CPF yeah


yeah, yeah yeah yup


ya I can't see the powerpoint slide as well


, I think credit card depends on, your spending habits and like how like disciplined you are when it comes to like you know paying off your bills, I think that's quite important cause like


I'm pretty sure there's like a lot of people who think that they can you know handle a credit card like they can spend like you know three K a year and you know like if you if you buy and then if you buying like you know electronics or something and then you pay like monthly instalment some people I think they you know


they they always spend and then they cannot you know pay for their bills, ya and then that's when you know mess up so, yeah


ya ya ya ya,


ya, is there an age limit


ya probably, ya ya ya, and like also also they got like this limit that you have to spend a certain amount right if you don't spend then you have to pay is it right


ya ya ya


, yeah, , ya I think their average


it's like twenty four twenty five I think, not everyone has like stable job by then, yeah, yeah


, I think spending more wisely on things that you actually need then, ya so like ya so like, like once you once I lost my job then you know, uh you only have like a sum of savings from whatever you saved from like


you know cause you never this this whole COVID thing was not expected what so like, whatever I saved there was like, ya so whatever I saved was like so little so, you know , like spend wisely I guess and also you know lock down you you couldn't go out so like I think I saved a lot of money from uh travelling and like food you know


cause you you know it yeah then, of course like, ya ya I mean like I did get bored sometimes and I did like buy things online but , yeah but you know otherwise I think it actually really teach me that


uh about how you should you know always, yes always have backup money and also one thing like, about having a job is I think is after this uh whole thing right I realised that it's important to like, work in a company or be in like in a industry that you know it's always going to be like alive


you know, ya but then you know, yeah, ya ya so like I think lucky that I can freelance so, you know I can still like earn money here and there from like doing small jobs you know


yeah how about yours,


, ya ya ya, ya, ya, like it like if you don't if you're not seeing, ya and like if you're not seeing anyone you're seeing the delivery man so like it's like it's like fun yeah


, ya ya ya ya


yeah, like, like ya try to save more, and like cause you never know what's going to happen next so, prepared


, ya ya


, saving plan, , I think like that's where like you know getting an insurance helps


yeah yeah, ya cause like I mean like you can you can you can, apply for multiple I guess just like, you got still got full time jobs [orh], think definite you can apply for like multiple insurance plans you know


, yeah like the one I recently apply also, the NTUC one ya that that that's quite good


, , how do I spend my money uh, I think I do a lot of like online shopping, that's like unnecessary, yeah and , ya it's mostly like online shopping and then if I go out I buy


like unnecessary things that I don't really need, but but like, ya but then someday it comes to use you know so you know, but uh what is justified justified I think food is justified I guess


and I mean, yeah uh food and transport is the like, two main things that you know you spend a lot of money on in singapore so I think that's justified yeah


yeah ah the things like buying, ya ya ya ya, like ya like I I don't really buy (hmm) what what do you mean by not


like what what's like not necessary actually most of the things that we get is like necessary I guess, okay ya okay, I mean I need to be like properly dressed right so , I will justify that


okay maybe maybe the shoes that I buy are not, necessary but whatever ,


yeah, you are addicted to taking Grab so, ya ya, and and sometimes you ya sometimes you like know that you are late and then you like never mind lah can take Grab and then you just like take Grab yeah


ya cause like the traffic is like yeah, that's true,


yeah, ya like you will tell yourself like [orh] self care day or like [orh] treat yourself, ya or like [orh] you had a rough week rough day then you're like okay buy yourself some clothes yeah


yeah that's true,


uh so when I was working, I think I I like kept like at least three hundred for transport and food, you know like , ya I think that's like roughly how much you spend on transport and food cause like you know you take the train to and back to work so it's like


ya I think around three hundred for, that two main things which is like food and and then maybe like, sometimes I keep like one or two hundred for like you know unnecessary things again like clothes I mean like new clothes cause we're going to work every day so like you need you know new clothes I guess and then


the rest I tried to save, yeah and like, and I did use some of my savings to buy like, to buy myself things like , my drawing pad and stuff like that for for like work lah, so I think I think that is okay


so yeah so ah ya,


, yeah


ya ya ya,


what's one financial advice that you would give to you to the you five years ago, , I think you can answer that better than me because like I was still very young


yeah I was seven, , ,


, ya ya ya,


ya, ya


ya ya ya that's true, five years ago seventeen is it


eh eh I'm twenty two so, ya I mean I was still in secondary school so like uh I don't, I did work part time but like that was during the holidays lah so


doesn't really count so I, ya I mean like what advice would I have for myself maybe five years ago I could have tell that five years later that, you know you will still not have money , that yeah ya ya you will still not have money


yeah , ya ya ya


it's still going to come someday ya that's true


ya ya ya ya, ya ya ya ya


freelance just freelance and, ah this is what I've been doing like I've been taking up uh multiple jobs, uh not really multiple jobs but I've been doing a lot of different projects, uh it's like, it's like a company


you know you can either start with baking and start selling your product or you can make, like knitted clothes you know that's what I see a lot of people doing, ya just DIY stuff, ya just try to sell it on I'm pretty sure like people around you will support you so like you know if especially when you are young


I think you have a lot of time to explore you know different things, so you know just just take up, as many projects as you can but I mean like don't overload the work but like take up project start a company, doesn't have to be very professional just like you know


ya and then ya you can, ya and then like obviously work part time jobs, yeah so, I don't think in singapore it's very hard to like not find a job or you know, like is is is yeah, like if you if you looking for I mean obviously these kind of jobs you cannot earn like three four K but you know you can at least earn like a few hundred dollars and you know you can


yeah so, ya you can just ride a bicycle so


, ya ya ya


ya ya ya, that's true


negative experience okay, , uh you want to start first


ya ya ya, , ya ya ya ya I think uh it that, the chewing thing annoys a lot of people but it doesn't uh really annoy me I guess


[orh] maybe I never I've never really heard heard anyone chew loudly eh I think, oh my god yeah, for me is uh I have the I don't know if OCD but I like to keep my things like neat


and where it is but my mum when she even when she like folds my clothes and then she will just like she would she will put it into my like drawer but she will put it like, at random places like some of my shirts uh like hung right she will fold and then she will put it together with my home clothes and that I'll get annoyed I always tell her like can you not like


put my clothes in my closet like just leave it outside I will do it, but she will still do it and then sometimes when I look for my clothes it's like not where it's supposed to be and then I'm like where do you keep like my shirt and then she'll be like [orh] I fold and put together with your home clothes I'm like, does it look like home clothes to you


so yeah that that's like one of my biggest pet peeve I guess and, it's not , it's not OCD it's just, keeping things properly


yeah yeah, I mean like when you open your closet and then you know you see it and then it it makes you happy I guess, yeah,


!wow! you'd be name calling now uh, it's not really a back stab kind of thing but it was more of like a, you know like


you know friends supposed to like be happy for you and like support you and stuff but you know sometimes some people just are just like jealous, yup, , at the back she was like saying


mean like yeah so , I mean obviously at first I was like you know like, like what the hell kind of thing, like but mostly I, I for one


I was too lazy to like care and, yeah but ya I was still affected and like it's it was like annoying cause like you know I would do something for myself but she would try to either copy it or she would try to like


like indirectly like pull me down, yeah, so it it was like small small things that , kind of like uh led to you know me absolutely like hating her I guess, uh ya but


but I honestly think that that we were really good friends lah and then I was there for her a lot and she was there for me a lot but you know I think people change and, uh, it's either her true colours came out or you know she yeah she


ya maybe maybe I I was in denial of like, how she really was lah cause like I know a lot of people didn't like her but I was still friends with her cause like, she didn't do anything to me but until like, like now I realised she did a lot lah so yeah how about you


I think even if you are just like going out you know with a friend or like a few friends, ya, ya ya ya ya even I think even if like someone like you going out with friends and then like if if it's like a all girls thing and then like someone of them decides to bring her boyfriend and they don't tell it's still damn weird like yeah so like yeah that yeah


uh, I mean if you if you talking about insects I would say cockroaches but if you're saying like , some people , I think some people's uh attitudes disgust me lah obviously yeah like


ya like like I said uh if you going to be friends with someone I think the least you can do is just be supportive I guess and , especially when your friends are in like the creative industry I think it's it's quite hard to get support from, people honestly it's like really hard lah


and uh, you know uh I mean creative work they they always have like either websites or like Instagram pages or, ya something like that to like promote their art and like post their works and like as a friend you can the least you can do is just give a follow


and like the posts I guess you, ya exactly and and even if you don't have like social media like you know you still can you know, I don't know just just be nice you know to your friend you know tell them like eh I saw you I saw you posting your work it's nice that kind of stuff but like you know I do have uh people around me who you know uh like secretly


uh you know not not, ya diss you or like not wishing well for you and it's quite disgusting when you find out about it lah so, I don't know I feel like I feel like humans need to be more kinder especially during this like COVID, period I feel like people need to be more kind to each other yeah


oh man, I can , I think when I was in school I guess, when I was in school especially year three lah ah, you know when the all the lecturers like


uh rejected all my ideas, and I had to like very day I would like you know think about a new idea I would write down ideas I would, make like mock ups and stuff but the like all the lecturers like always didn't like my work and then , my own like lecturer she would tell me that [orh] like my idea is good my idea is nice but when it comes to like the final critic kind of thing cause uh we don't have exams right we have like critics and stuff and she would


tell me during the critic, when the all other lecturers like say like [orh] like this work is not nice or like you know you get exploded she would she the person who told me to do it and she will tell me that my idea is good like during all the consultation but during critic she will tell me that [orh] it's not good enough and it's like you know


that that is another back stab incident I think like my lecturer backstabbing me like that and , ya I think during year three the whole of year three I felt like you know I wanted to like give up, on art and like uh I just thought that [orh] once I'm done with my diploma I don't think I'm going to ever


go to this industry thing ya like, ya I think that that period like make me feel like uh nothing I was doing is right and I also didn't want to like disappoint my parents by you know like failing or like you know having to like retake my diploma and stuff like that cause you know is it was expensive and


I would say my my parents uh trust me a lot and stuff so I didn't want to you know make them lose the trust or you know, uh make them feel disappointed in me so I did my best, and I guess I I got my diploma and uh you know


even even now when I'm like freelancing and stuff I still feel that you know a lot of people are better than me and stuff like that but I think you know one thing like the support around me actually helps helps me a lot yeah


, yeah


especially when like you working and schooling and then like, like these two places are like you know uh stressful places and you want to come home and like feel destress or like you want to , ya and then ya and then you once you come home you get like all these like, things said to you and then like ya


ya ya ya ya ya ya ya, ya


(hmm), I don't really have don't really have


ya, oh my god


ya ya ya


ya ya ya, , tweet you just like had to


okay that is so weird, ya ya ya ya, ya, ya, oh man


[oh] my god, [ah] sounds like a spoilt brat [lah]


positive experiences, okay so uh, what were the best parts of your childhood best part of my childhood I think both of us staying together in the same house, that was like that was the most fun


I mean I don't remember I don't, ya but I don't remember much cause I was like, I was not even one years old right ya I was I was one years old when I came to like the house I'm staying now, ya I think before that but I remember like small small things like the


the giant hello kitty toy and the and the motorbike, the toy motorbike, ya but I think you would remember more, ,


yeah, yup definitely, , ya I think I think that led to us like still being very close ah


right if you think about it, ya ya ya cause like we, yeah


, ya ya ya, oh my god new beds yes oh my god era


ya ya, I think I remember that yeah, , yeah oh my god that was that were good times


ya ya ya yes yes yes


yeah,


cause like ya last time I also used to go down to like the park under my house and play like badminton and stuff like that and then, you you we won't know like who's coming but like you know when we go at five and then, all the kids are there at five everybody there and then like you know and then like when your mother ask you to go home you're like I don't want to go home


the my mum will like will follow me lah then she will sit down, she will just sit down with like the other aunties or whatever and then they'll talk and then when they are done, ya ya ya the ya ya ya the play where there was like there's two big playgrounds you know at one place that one yeah then like


my mother will just say like [orh] it's time to go home myself then I'm like I don't want to go home then she say tomorrow got school tomorrow got school must do your homework I'm like uh okay


I mean I think we all did that lah but, you you got have you ever did the thing where you will like rub the, thermometer to make it hot, and then you tell your mother you tell your mother that [orh] I got fever


ya I think never mind just like one day it's fine, I think uh


my, career path I guess, like I think I think, ya like I think I did the right decision of like you know, fighting for my right to study what I wanted to study, and


ya at least art is , ya I think ya like, even even there are days that you know I'm like I like not regret but I feel like you know I could have done something else but you know end of the day I when I do uh you know when I make art and when I do


uh what makes me happy and like like I realised that it's all worth it lah like you know, and like and like school wasn't that easy, ya school wasn't that easy either and uh especially like year three it was like the worst, and but you know


like now you feel like [orh] it's like your achievement lah honestly, yeah yeah


no future, , ya it is ya, I don't know if it's like a it's like a brown parents thing or


a singaporean thing I don't know, true true


ya I mean you you did more travelling than I did


[orh] yup, yeah that's definitely, yeah, eh that was like your first concert but it was like really the best lah, !aiya!, ya ya that's good like ah ya okay


what how would your life be life be like if you were a millionaire yes , yes how would your life be like if you were a millionaire, like like like the kardashians or what


uh uh a millionaire I guess is one so if you have, you have one yeah


you just like you buy like one two thing only like oh shit your money gone, (hmm) just a bit I'm millionaire but I'm like I have one million yeah


ya ya ya ya ya that's true that's true, nice nice I love that


ya ya ya ya, ya I think invest, but I think, but if I had like one million I think I'll just like spend it on like things that I don't need


no I won't buy like, maybe I'll buy things that I can keep for a long run you know, ya like things things you can flex , , just like withdraw you just withdraw the one million and just like flex it on Instagram, I mean you know you know since like just temporary lah


alright it's just like, give me a million dollars ah I will just take it


oh man uh, you should answer you should answer first cause like okay you answer first


[orh] okay okay okay okay, don't wait and see, what or how what does it mean to you, like


so, so basically is just is YOLO but in a nicer form lah, , I think mine I mean like the first thing that comes to my mind is a paramore song I mean obviously


so eh this song is called last hope lah and then there's this line hayley williams also say that it's just a spark but it keeps me going, yeah and yeah and then you know it, it kinda like sometime I think about it when you know I think about certain things that I've like uh gone through you know especially like the up and up and down of me like not liking what I do and liking what I do and then


sometimes you just wake up and then like you see, I just wake up I see my I see my artworks on my wall and then you know I tell myself like this is the small spark that's going to keep me going and then you know ya and then when you when you post something up on like Instagram and then like, people like tell you it's so nice and like you know there are people interested in buying your stuff like buying your art and then those are like the small things that matter the most I guess


yeah is, it's just a spark but it keeps me going, yeah, ya maybe we should get that tattooed, yeah yeah, and obviously I heard that


heard that line at the show uh two years ago yeah, you're right, like just like wake up and you're like yes there's that there's that's it man okay yes good idea maybe I should do it


what's your, yeah yeah


yeah yeah and the


yeah and then like the rooster and then like the cows you can just hear and then you can hear the neighbours like, you know they doing their like normal errands and stuff like milking the cow yeah


ya I was thinking about this like the other day cause like now everyday I wake up there's like drilling noise and then like construction noise which is like damn annoying it's like it's been like two months since all these noises started and then I was thinking like uh imagine we were in india and then all you hear is like


cows mooing and it's not even noisy it's just like it's like it's like nice background noises that you know, then I was like you know how I wish singapore was like that, like you hear nice noises and not like construction so close by yeah


ya I mean you get stares but nobody will say anything ya, ya, oh my god yeah


ya ya ya, india


yeah, ya ya I think it's also quite it it feels safe even though in the village area, cause uh yeah


ya and and also because like in the village everybody knows each other's life anything happens and like they will know who to find I guess yeah, ya you you get the one one minute of fame there they're like oh you're from they'll ya oh you're from singapore like even when you walk


down the street and people are in the bus or something they know that you're from singapore cause like the way you dress or something then like, ya and then you feel like yeah you stare at them like what, yeah


ya ya ya, ya ya ya ya, ya I definitely have to go back once this thing ends ah this COVID ends


, ya I don't think it's safe to go, yeah, I wanted to ask you what is your biggest surprise


have you ever gotten like surprise, ah mine was


I think mine was, I feel like there's a lot of instances where I was like surprised but I think one that comes to my mind first is the paramore tickets that you and like my friends bought me for my birthday ya that was like, two years ago like


I think they I think they showed me the tickets or they showed me like a online purchase I was like screaming eh, I remember I remember that day I was like screaming like oh my god cause like the tickets were expensive for me that time it was like hundred fifty or something or hundred it was I know it's above hundred dollars and at that time


[orh] yeah oh my god yeah oh my god ya ya ya ya oh my god that that was that was also two years ago is it


ya twenty eighteen, the twenty yeah yeah yes I think that was fun too that was so fun, (hmm) (hmm) okay okay okay I'll take note


, happiest moment in my life (hmm)


I think a lot of little moments, make up the happiest moments I guess that's so deep , I think my grad my grad show my grad show day was, I was damn happy even though like uh


all my lecturers hated my work and like actually there was eventhough like my all my lecturers hated my work my my a lot of my classmates didn't want to like see my work, and like they , but it was happier cause my friends, no but my friends came and then they all loved my work and a lot of my friends came like


I only imagine like a few people but then like they brought their friends and stuff, yeah yeah, yeah but then like when my friends came like they only were looking at my work and they were only talking about my work so like I was damn happy that day yeah


ya that was a very fun day like my grad show was was one of the happiest moments in my life I guess yeah


, okay uh let's talk about uh, CPF contribution so you want to start first what are your thoughts on, CPF contribution


ya I agree agree cause when I was younger I remember like I hated CPF contribution cause like when you working you already only earn like five hundred dollars, and then like after a while you, like after they minus CPF then you have so little left so like I think when you younger you don't uh do you don't really understand the importance of such things


then when you are older then you just like [orh] okay like thank god for CPF contribution cause there's like like money like , uh put aside like, permanently for you yeah and , ya I think it's it is a good thing but then like sometimes I'm sure like there's always like hatred like it's like a love hate relationship for CPF contribution like sometimes you like


ya ya, ya now you think you don't need lah but then after a while I think you will you will be very thankful for it like when you want to buy a house


but ya lah sometimes I wish I can like take out the take out money like for myself from the CPF contribution, yeah , I think like let's see like, another topic about our personal finance


cause I can't see the powerpoint slide for the, for the questions but I think we can just continue talking, okay, so [orh] ya okay the good question uh do you think


some uh one should own a credit card


(mmhmm)


[orh] you mean they end up in debt, ya ya ya uh but I think to own a credit card you have to make sure that you have a very stable income you cannot be working like you know a part time job then like or contract jobs like that's a big no no if you want to like have a credit card but if you have a very stable income then ya go ahead why not like have a credit card


but I don't think I don't think that credit card is for everyone I think it's only for it definitely there should be a age I feel like there should be an age limit for credit cards, no there I [orh] actually I I don't know whether there is an age limit maybe there is I'm sure like I'm sure uh uh maybe after eighteen


I don't know I think they only check your bank eh if you got money then they will call you to, see whether you want to have a credit card ah but if you don't have money then ya but ya I think


[orh] ya ya ya because like they have like conditions if you have, if you if you spend this much in, at eh every month or is it per year then you have then they will waive like the annual fee or something like that, ya so like definitely I feel like if


if someone wants to own a credit card they should I mean like I feel like the age is important like at maybe once you like the normal age in singapore to have, a stable job maybe like twenty four twenty four twenty five, then I feel like that should be the age where like people like consider [orh] maybe I can get a credit card


ya and also depends on yourself like if you are over spender then definitely do not get a credit card cause you will just end up in, end up like going crazy, yeah


so during post COVID, uh what changes did you make in terms of spending money, or like what about your saving habits


[orh] ya because you lost your job right during COVID


ya you didn't have like pre savings, for COVID


but your spending habits also like lessen right during COVID


always have backup money


ya I mean that's quite hard lah but ya, , like doesn't doesn't get shut down, or like can survive any pandemic ,


yeah I think it's the, ya I think it's the same uh for me uh, like definitely there were a lot of changes in terms of my spending cause, I mean I have a full time job right so once I started working from home full time I stopped


uh spending money on food on travel and, I know when you go to work you just like, in between you just have an unnecessary expenses also, like at work uh I mean like during after like after work you go meet your friends that kind of thing so during because of COVID like you don't meet your friends then you don't eat you don't really eat outside food and you don't have to travel much so like I save so much of money from there


like I can really see like a big difference in my savings just just because of food and transport, but then also like my spending habits like, my spending habits, for example I I just like cause you don't go out so I just spend everything online which is also like bad lah cause


I don't know cause you don't go out then you feel like spending I don't know to give you some form of happiness like superficial happiness , then you just want to see the parcel arrive at your door every day, , (hmm) keep buying like nonsense from Shopee


ya exactly that's at least something right , yeah saving habits for me I think I I save quite a lot cause I still got like, I don't know in the midst of the pandemic like thank god my company still give bonus then because of that like I didn't have


I don't have to take transport or food or uh I mean I didn't have to spend on transport or food right, then like so the bonus I I never even like really touch, you know like so ya I think like, I'm sorry to say but I'm quite , I I quite like the COVID


period I mean in terms of saving money , but ya oh I just realised the question is post COVID [orh] that means after COVID what changes are you going to make, [orh] okay okay at least okay never mind lah it's the same lah okay we talk about like, how we try to what


ya exactly like you will definitely have to be more like have to uh pay more attention to not not overspending and like think that no lah I don't need savings I like cause you think nothing is going to happen, but something if if like let's say I lost my job ah you know I would have been like quite desperate yeah


because like some people lost their job, uh then I'm sure now like it's super hard to find a job again then they have to they have to start spending their savings already, yeah so definitely like I'm planning to have a better like have like a better savings account and you know really like try to put aside money every month to uh to my savings account yeah


[orh] ya ya exactly ya ah ya I was thinking of also like getting more more uh more insurance policies, [orh] ya got to got to go talk to the


uh sorry what did you say apply for what, [orh] ya ya ya ya I think so like the savings one right the savings insurance ya ya ya ya, ya


okay uh I want to ask you how do you spend your money, uh this is number three how do you spend your money which expenditure, justified and, what have you been spending too much on,


yeah ya I agree, keep saying unnecessary


I think, I think just food and transport is, okay ya


food makeup and like just normal necessities lah like grocery shopping or, [orh] like stuff like that


clothes lah clothes you buy so many clothes clothes are not not not necessary, , ya ya okay , eh every month every every week got one new Zalora package come


ya ya I also have a lot of like unnecessary expenditure like Grab, like I don't have to take grab but then like you so addicted to, taking Grab


like ya it's an addiction , , then it's because like when you're late then you just like you don't want to stress yourself then you just take grab but ya definite, ya you don't stress yourself you just like tell yourself okay never mind relax just can just take Grab but you take Grab also you still late lah but still


, at least you are relaxed on the way, yeah, uh I have uh that that expenditure for me is definitely not justified I think for me justified expenditure is like


uh like survival stuff like, food , groceries , transport yes like on the way to work, the transport to work, honestly I think only that is justified eh, the rest all like is just superficial stuff right


which you will also like try to psycho yourself and then like have a justification in your brain but ya, ya I think that's that's like justification also lah


yeah, okay how do you manage your, uh cash flow, or like how much of your income is allocated to savings maybe when you were working lah


, that is so basically that's under expenses lah


ya unnecessary things, ah


[orh] okay lah that's for work also


yeah, ya I think for me is, for my uh how much of your income is allocated I think about, I try to put aside like uh, I don't know I try to put aside like thirty percent of my income


or forty if depends on the day lah it now during COVID like I can really put aside like almost all like cause I'm not really spending much right, ya until I go back to work then I have to start to, uh like save lesser again


yeah then for my expenses I think, [orh] I don't know eh I think it's about like, I don't know I think I overspend every month, but I make sure no I make sure my savings is proper but I still like I still overspend lah I can definitely cut down on my expenses and save more


I should do that definitely then insurance is uh mostly like they cut from, I think one is cut from CPF then GIRO, ya that's fine ya and


, what can you, what is an advice I will give to myself five years ago, !wah! five years


ya five years ago like you were so young , , five years ago I was wait now I'm twenty eight five years ago twenty three, [orh] I wasn't even like I'm still I was still like jumping jobs but uh five years ago I was still studying


and working at the same time so I would say like uh and I wasn't really saving much I also couldn't save much because I was studying right I was paying for my degree also so, like, and this advice should be uh for personal finance also right so uh


!wah! I wasn't saving much so like when I really like after that when I really started my proper job right then I I didn't have like normal like adult work stuff, like work clothes and then like, I don't know you have so actually you have a lot of things to like consider when you start working properly


to look professional and and stuff lah so uh, I don't know the advice I would give is like definitely save more and I I hope that five years ago I really had that savings insurance, cause you know like right now it makes like right now you have like a little regret like [orh] shit if five years ago I had it then I would have had more money


in my savings what right ya so I guess like, for financial advice that's what I would tell myself like just even if like it's fifty dollars per month, it actually makes a lot of difference like throughout like a five year period


yeah yeah, what about yourself five years ago you were like, how old were you, seventeen so young like


quick math yeah seventeen, ah yeah (ppc)


you will still not have money five years later , you can predict your future , no lah I think I think like even at seventeen years old you still can save like a bit the thing is like no matter how little you save right if you look at it long term


it will still be like quite a bit of money, so I think that's like the advice you can give yourself lah no matter how little you save it still, it's still money ah ya it's it's still going to account for something ya plus you plus you know like banks like, those uh like OCBC three six five day like you know every time you put in money right then they have


they accumulate interest, so you know you can do this kind of things like even like, ya even at like little bit also you still got still got cash back cash back and stuff like that yeah , eh wait I saw a question that I wanted to ask uh


[orh] what can you do to earn extra income or or improve your income level, I think you can answer this


(mmhmm)


ya just DIY stuff lah, and then try to sell it online, , yeah


yeah, but can be part time job also what I mean like to extra income


yeah, for extra income right I agree ya


ya you can just put that aside okay this is for my transport like, then you don't have to take from your own pay to pay for your transport, ya I agree like I think can do like grab like got so many things now right like so many people are doing the Grab like you don't need a bike license cause you just like ride bicycle and deliver right


then I think , uh to improve your income level I think it's, uh more education like, and then like skills upgrade


that one like definitely can improve your income level, and uh like, [orh] then sometimes like some companies they also give, some uh courses for you to take right, that one is definitely like dependent on your job


ya so if you do this kind of things then definitely like you can definitely you can improve your income level at your current job, cause you are upgrading your skills according to like the job itself, yeah !woo! okay it's done


negative experience, okay I have have one like what is your biggest pet peeve or what annoys you the most


[orh] okay I have like a like my biggest pet peeve is like when people like if people come over be it like my friends or family or my even my mum, like if they if they come to my room right then if they sit on my bed right I don't know I just like start raging inside I just like I just start hating then especially like if they where they put their leg near the pillow or like I don't know I just hate it so much and then or like where if they lie down on my pillow


also I like I really just cannot take this kind of things like I'll I just get, so angry lah I told my mum so many times right but then she, I don't know she just thinks I'm full of nonsense like she say like it was normal thing then you like you acting like crazy like that but it's just a pet peeve you know, yeah I think another pet peeve is you know when people chew loudly


then I really murder them in my head eh cause it's like it really just make me so angry , yeah, ya ya ya ya it's super annoying, especially if you hear someone you hate chewing loudly oh my god


it's like world war two in your head


, ya ya I think I know I know you have like OCD so ya sometime I come to your house come to your room then I like scared to like move things around also, it's a bit of OCD cause you like to like keep your clothes in like certain colours you know don't know what nonsense lah ya


ya I don't have this kind of like I mean I don't have, first of all I don't really have that many clothes with the same type of colour for me to arrange properly so ya it's all like different colours, yeah what [orh]


share about the time, when your best friend back stabbed you, how did you feel and how did you react to it, do you have a friend that back stab you tons


ya and because she like bitch about you to other people when she and she was actually that is kind of back stab because like she talk nicely to you and then she's like, I don't know to you she's friendly but the end at the back like I don't know she shed she she says like bads bad things about you


no but you were still cause you would you would text me it to vent to me so definitely you were still affected by it


shit on it ya ya ya


ya ya the friendship fall out


she's uh just this person you just were in denial


ya, !wah! I think for me you you know like, remember charmaine, like ya she was like my closest friend and I think we were friends for like already nine nine years going to be ten years so like I mean obviously I know everything about her life and then like she knows everything about mine as like vice versa but then the thing is like


I realised like our values towards like certain things in life like did not add up, so like one day like it just like beat the friendship lah like so one one time like, we were supposed to go on so she's she got married this year, so I was supposed to go on a holiday with her eh no no no I'm sorry I wasn't I was going to australia by myself for a concert and then she hopped in and said eh I also I want to go for another concert in australia during the same time as well so I was like [orh] okay then uh she she


[orh] okay okay ya so after that she told me like she she wants to come so she said how about we meet, but I'll be in Melbourne and then she'll be in #gold coast# right so I said like, how like I already bought my tickets to Melbourne and back to singapore already then she said [orh] it's my it's my trip before my wedding it's my last trip and how about you just fly to #gold coast#


so like after I I I didn't want to do it because like you know I have to spend extra money then I have to find cause I already paid for accommodation in Melbourne what then after that she said like just come lah just come lah so I was like okay then she keep saying it's my last trip it's my last trip as if like after she get married she like going to be in prison so anyways I just like went


I I was like okay lah like my like it's my good friend so I I went I mean I bought the tickets, so like one week before the the trip right suddenly she said !wah! this going to have some like, bad details about her here Sekali she like part of this team ah but you know lah going to have like some bad details but then like cause she cheat she cheated on like her fiance


then she told me like !hey! this guy is also coming I already bought my tickets to #gold coast# by the way and then she suddenly like one week before the trip she said eh this guy the guy that she's cheating on with like, is coming, to to #gold coast# also then I'm like what then she said [orh] you know he will be with us for like a few days the thing is I'm I'm already going to #gold coast# for like three days right


and then he she say he will be with us for like two days then what why am I even like the thing is I don't even want to see him in singapore why would I want to see him like, in australia when I'm on a holiday so I told her like you want to sin just like you know do like sin yourself lah I don't want to be part of your sin cause like I know the boyfriend so I always like feel bad but I cannot like say anything also cause it's not my truth to tell right


so like I don't want to be part of this like nonsense thing that's going to go on in australia some more she going to get married what so like I feel like her values did not add up to mine so I just told her lah I I mean I told her off like first of all like, because you told me to come to #gold coast# then I came and then you didn't even like tell me


that this guy is going to come like this kind of backstabbing cause like you beg me to come when I didn't actually want to come and then after that suddenly like you say this guy is going to come along then what am I supposed to do right when the guy comes along like we are not even like friends or I don't really want to talk to him cause I don't want to back stab the boyfriend what


so , it like you know eventually we had a big fight and she kept saying no I'm not going to like cancel on I'm not going to ask him to cancel his strip, so I'm like !huh! what then in the end I got so pissed cause like it's like your friend choosing you eh I mean choosing the her uh scandal over you it's not even her boyfriend you know so uh I got really like pissed off lah


so I told her like you know what go on this trip by like just do the #gold coast# thing by yourself and then like just be with this guy lah like I'm not going to come so I just cancelled my ticket then I just like I just like, came back to singapore after that then uh ever since then we really didn't really talk cause I feel like


uh uh a friend shouldn't do this to you especially like if it's a holiday like you know you should respect someone like you should always ask like if something you going to add something to the trip if there's two people in the trip you must ask the other person like eh are you going to be okay with this person coming along you know you're overseas you will going to be like vulnerable and all what


[orh] correct in singapore already like if somebody like say eh my scandal going to come along like I'm like what then I come for what that kind of thing


ya ya it's a bit off yeah yeah, ya so like that definitely like made me like super angry first of all it's because like she didn't really respect like, you know my my opinions or like you know just didn't respect my time and then second of all is she make me spend like unnecessary money


on like the gold cause I book like super last minute so you know the tickets were already like quite expensive, yeah so like I was just like very pissed about the whole thing but I realised like it's okay lah I mean like at least now I know like our values are totally like different, yeah so that's how


that's how I felt I felt betrayed, yeah , what disgusts you, , I can share about what disgusts me, people human beings


I think maybe experiences I think humans lah,


ya ya


, I mean the basis of a friendship is support what I mean obviously, spread the word


like diss you, , yeah


ya I agree ya I think like what disgusts me is also like just people's attitude, like sometimes like they like you feel like you are so close to someone but then like, suddenly like small things like that piss them off because like I mean like usually everybody like as friends you are uh all very chill right and then like you don't really like


scold your friends or you don't really like, I mean you talk do you do talk back to your friend I mean obviously like natural conversation but you don't like, scold your friend you know, so I think like when you do that then it just like makes your friend feel like what the hell like you don't like you cannot talk to people like that right you don't even talk to like your own family like that like it's the same what friends and family so I think like this kind of thing like really like makes me cringe


like cause as a good friend right you cannot like just be so disrespectful like ya cause I would never like be disrespectful like when I it's either texting or talking in real life that kind of thing, but ya I think another thing that disgusts me is like you know when you date someone then they become very clingy


like over clingy like it like just like few weeks then they like super over clingy or like start asking like uh like you know when you go out then they like eh uh like let me know like update me on your whereabouts that kind of thing where you only know the person for a few weeks so it's like a bit like


it's a bit that's already like a red flag that kind of thing is you already can see [orh] going to be very toxic already so I think this kind of thing right a bit, I think it makes me cringe so ya I I would get disgusted, yeah


uh describe a time where you feel that nothing you do is good enough, !wah! so deep


yeah


ya ya ya ya


continue


yeah yeah, I think for me is, also like I think family lah like they always make you feel like not good enough, or you not doing ya you not doing enough or like but when you when actually like in your brain you think like I feel like I am doing like enough or I'm doing well but then like to them is always like


like nothing is ever it like you can be better you can be better but sometimes you just like you just want to relax for this moment of period in your life and then feel like I'm good enough but then to them is always like like they always find like something else, to like what sometimes you fix something about yourself right then they will find something else to like criticise you


so like I think like, for me like a time where the most I felt this was I think when I was I was studying and working at the same time then I really like you know super stressed right, then I was also like cause I was cause of the financial things in the house I was also like paying for a lot of things in the house


then I feel like okay lah I'm doing quite a bit for like my age cause that time I was like twenty four, then I was doing like first I was providing like a lot of things for my house and then I was also studying I was also paying for my own education and I was also working full time and my job that time was like super stressful like I was under contract and then like


I don't know the company like wasn't a good company to work uh like it was a very toxic environment like they will ask me to come back on weekends and all so I think like, I was going through like this amount of stress at work then this amount of stress at school also cause you have to like you doing your degree to perform well also right so you have to like give like give your all


and then like at home also like they stress you so like you know like then I always feel like what the hell like I'm already doing this much then you still make me feel like I'm not good enough so I think this kind of things like really like like bring you down in life like, you know cause like you want these people to like support you


like the the most important people is like obviously like your family right cause you see them every day like you want them to feel like like uh proud proud of you, ya then like when they don't like say like encouraging things then you just feel very down lah like, like you feel like !haiya! everything I do also like not good enough that kind of thing yeah


then, ya you want to feel like you want to de-stress then you cannot even de-stress


ya I just want to like close my door once I come home that one also like my mum will be like why you close the door that kind of thing like leave the door open like what the hell just give me like uh my own time and space , ya, what describe what you dislike about the younger or older generation


oh no, how about talk about your worst travel experience !wah!, I've had one eh, like it was terrible, I was it was , [orh] okay let me share mine mine is like terrible sia so like, my worst travel experience was like I went to Bali and uh it was a free trip to maldives because like my friend was working in a travel agency so she got like free she gets to go to the


uh she gets to go to the hotels right and then like do a site check so they let you like they let you bring along a friend if you ask lah so she brought me along but oh my god I didn't know right like she was such a princess so you know when we went to Bali and all like she was so princessy I was like


I was so stressed like because she would everything also like cannot that kind of thing like eh you want to go here [orh] cannot ah very dirty ah like you know like when we came to the hotel hotel room right, then I mean it's Bali so like I don't know like you cannot expect everything to be clean deep it because you are not staying at a five star hotel right so like don't expect don't expect a five star treatment ah just be normal


then like she went to the toilet then like the toilet was a bit like uh, actually it was fine to me it was like totally fine but then like to her like everything was like !ee! like !ee! dirty !ee! this !ee! that then I'm like okay lah what the hell you want me to do like like you know you like when you go on holiday you don't like start complain it like the first thing you do is like complain you make the other person feel like very mood out also


ya so throughout the trip she was like that lah like I cause I brought a backpack obviously like cause you were going to travel around right I mean walk around everywhere you need to bring your water bottle etcetera she brought a handbag eh to like a handbag, a handbag to Bali eh like so unsafe like so dumb oh my god and she was like four years older than me


so like so she brought a handbag and then when we go out she'd be like eh Ramlah can I put like my stuff in your bag so it will get like super heavy cause she will bring her water bottle then so that was I mean I'm totally fine with it cause you're my friend and then like can lah but after a while you tired right so I ask her to carry you know what she say she say the bag doesn't match my dress !wah!


then I was like then I don't want to make problem I mean I don't want to say anything cause I don't want the trip cause I still have a few more days with her so I don't want to like you knows like spoil anything I just like in my head I just like !wah! I cannot wait to go home and then like get wifi then like text my text my mum and my friend about her like you need to vent right then there's no one to vent but her !wah!


so like it's just like things like this like she didn't even know how to iron her dress eh, like she she was twenty seven that time you know and then she don't know how to like iron her dress and all what the hell so I'm like ya towards the end I already got zero zero percent patience for her already like after the trip right like


!wah! even when we went to maldives, !wah! she everything also cannot eh like cause you know she cause it's her job right so she needs to go and talk to like the managers and all but I got nothing to do there right, so I will ask her like eh can I just go to the beach and just sit down and just like chill by myself like with a drink or what she will say no eh who the hell will say no


like who the hell will be like no you come along with me and just like don't enjoy take who the hell, ya , ya like she spoil like like she spoilt the whole maldives thing like, you know maldives is supposed to be like !wah! some more free you know you supposed to like


make your experience like the best thing ever ya she totally spoilt it spoilt it like you know like ten PM I want go sleep already that kind of thing , I just wanted the days to end lah okay, ya she was


positive experiences , [orh] ya [orh] ya


[orh] ya ya cause we live together in the same house, ya ya ya


[orh] ya I remember that also, ya ya because when you were younger then like I was six I think about like six years old, like when you just like when you just born so I remember like everything ya but but we were staying in the same house when we were younger those like those days were like really like very fun and more like relaxed I would say like and less stress


ya I think the best part of my our childhoods were like that like just being together with like a big family and then like having lesser stress, and uh , ya ya ya definitely and plus like, plus our uh childhood still continued like when we when we moved to #Bukit Panjang# right ya because we uh we just stay like ten minutes away


so like we still like always go to each other's house like I think ya the best part of the childhood was just like always being together and like playing with barbie dolls and I don't know what nonsense and like new pets and all that things


ya but we will also like uh cycling, like we you remember we will meet downstairs then we will go cycle together, yeah , yeah then like that like that was so fun then we'll go to the parks and then like just like spend like half the evening just cycling then come back home like so tired


yeah , what was a hobby or activity you felt happiest doing as a child I think for me it was cycling like as a child and then like downstairs like you know you'll meet like random like your like your like block neighbours like downstairs and then like I don't know how you just become like close friends


and then you don't even have to like give them like phone cause that time don't have handphone right so you don't have to give them handphone number I I have no idea until today right how we know what time what time to meet downstairs, or like how we know who is coming like you know you don't even care who is coming like you know nowadays like like you all like eh who ah this guy coming I I think I no I no mood to go already lah like that kind of thing but then last time like you don't care like who's coming you just like go down whoever is there like just just go with the flow that kind of thing


I think now like the information is so readily available that you can make like very precise decisions like last time you just like go with the flow then you just like whatever lah but you still have end up having a good day


, everybody is just there ya everybody is just there, how they ask us to go home ah they will come down right is it, [orh] she'll follow you down okay okay okay


[orh] ya at the playground I remember near your playground, you know your house there, yeah


, [orh] I hated school when I uh uh I hated primary school like when I was younger I don't know why I just like hated it so much like I will lie I got stomach pain all then I won't go to school


yeah, [orh] ya ya ya , yeah I'm sure like they know sia like that we do all this kind of nonsense but they just like never mind lah it's okay


yeah, what do you think is the best thing that you have done for yourself


ya it makes you happy right, ya I know I couldn't do it for myself but yeah, yeah


, ya it's like self fulfilment, ya ya, yeah


I think for me also like the best thing I've done for myself was like to finally like just go and study what I wanted to study cause I wasn't given the chance to like cause of my parents like, I wasn't given a chance like when I was like eighteen to like, like choose the diploma that I actually wanted to take cause they keep saying no lah you you cannot take this cause like you take uh cause they were like you study biotech better like science stuff better cause like the future will be better and all that but actually it's no lah is it it doesn't mean like you study science then your future will be better if you study other things then it won't be like yeah


yeah so, I think so uh but you cannot cannot talk about this kind of thing now , but ya but ya uh for me like doing like my english degree was like cause like for me I want to like after I retire right I just want a backup plan


like I want to be happy and then like I just want to help, like children from undeveloped countries or whatever like you know teach them and like I just will be like self fulfilled after the whole thing plus like I is I love reading books and all that so my degree was like interesting for me


and then like other things that I've done for myself I think travelling like it really opens your mind, right like when you travel like, yeah yeah, I think travelling like makes you, I don't know like it makes you like connect with yourself better or and like especially like when you travel alone I think like that's one of the best things that I've done for myself like travelling alone like when I came back this I don't know you just feel like a different person when you travel alone


it's scary lah but then you know like [orh] I can take care of myself that kind of thing like I don't really need like somebody like to be there constantly with me like you can just be by yourself and you are fine like I think that's one thing you realised then you feel like okay lah I don't need I don't really need anybody else like you feel stronger etcetera


so I think like that's one of the best things that I've done for myself, yeah and also like going to watch eminem in like that's like the best thing that I've done for myself I think like it's a bucket list thing, yeah


ya it was my first concert I kept it I kept it until like I wanted to go


!wah! I don't know eh like three people like no lah no lah , kardashian is like millionaire like like what kind of millionaire, just a one millionaire or , like a like a


!wah! then like that's not so big sia in especially in singapore right especially in singapore , how many million you have one ah just one million I think , ya in singapore like some house like like some HDB houses like cost almost one million and you know like I feel like they make it seem like one million is not a lot in singapore lah


I think if if if I was a millionaire I will move to a undeveloped country so I can be like king queen over there, , yeah but ya if I if I was a millionaire then I would invest my money lah then like so I can become like more than one million


like a two millionaire but yeah, ya invest then like, I don't know, like superficial you will just become like super uh like super superficial person


ya ya ya, ya flex all the stuff ,


what , yeah , ya ya temporary happiness but ya ya I think if if I mean life will definitely be better if you a millionaire lah cause like you know all the no no more financial like you have financial security for like


almost your whole life if you if you know what what to do with that money like if you invest it properly and all then like you know it will it'd be super good lah then you can start your own business like you know you can be your own boss, and all that thing so like I think life will be pretty good I would choose it I would definitely hundred percent take it !duh!


ya, eh eh I have a question I have a question to ask you like what's the best lock song lyric you have ever heard , I can answer first if you going to take


, uh, move through the moment though it betrays from thom thom yorke the ingenue the song, ya it just says move through the moment though it betrays like the way he say very nice lah but ya


, like , it's a a it's a bit of YOLO, but like cause sometimes you know like if you if you really want to like sometimes you know you feel like your whole heart right you really want to do something but you know got consequences then sometimes like you know after


after one year you think about it you feel like I should have done it like cause the like the happiness like weighs more than the consequences that kind of thing you know so I think that's what it means like move through the moment though it betrays cause like life is short, and you should definitely like when when like something makes your heart full then maybe you should just go for it like don't don't like oh my god like what what if this happens what if that happens


ya so I think that what that's what it means lah, yeah, not like not like stupid YOLO but you know like yeah something that makes your makes your heart walk like a fool


ya, [orh] ya ya that's nice


, ya it is ya


[orh] that's really nice that's a nice lyric what is it again it's just a spark and what, [orh] ya that's really nice yeah thanks thanks for sharing that yeah


ya I think you should always remind remind yourself maybe maybe just tattoo it on yourself so that you always remember it's just a spark it's just , , this, yeah, describe a travel experience that left you in awe this one can be like


travelling to india like, to the village side ya like cause you see like the like you always see, eh I mean not I mean in singapore you always see like everything is so clean so like city like and there's no animals running around then when you go to india like okay I mean india there's like city areas but then we went to the village right


then like cause our grandma's house is there, so when we went there like oh my god it's so like it's two different it's just I don't know you just feel so, free you just like have a sense of freedom like just come upon you ya, and then you wake up and then when you wake up then got like the cows mooing


, ya ya ya it's so it's so different like in the morning here you wake up you go to work you take the MRT then you go inside the office but over there it's like them going to work is like going to you know bringing the cows out or like I don't know feeding the cows and you know like doing the sheep things yeah


ya it's so it's so nice it's serene, yes ya , ya ya I agree then like then like you know you sleep on like the rooftops and all it's just like so nice and it's not dirty like I don't like like the village area it's like super clean it's not dirty it's just like damn nice lah like you can walk around your pyjamas the whole day nobody nobody will say anything


ya you'll get stares but nobody says anything yeah then you have like the little goat like coming to you and all that oh my god so cute, but ya I think that experience left me in awe like you know I always like want to go back to india


like ya if you ask me to choose between europe or india then I think okay no no no no no I don't know , but ya I think india I will definitely like think okay lah maybe I want to go back to india cause like europe also like I mean like it's not like singapore it's much nicer but then the feeling you know you get when you go to india is like freedom ya you don't have to care about anything yeah


ya ya cause I think village area so that's why it's safer I think in the city is definitely not safe cause village like nobody try to steal from you and all but city like ya I think that one I'll be quite stressed to be in the city


correct ya ya ya, ya plus like you know when you go already they know [orh] like these people from singapore are visiting like everybody already knows, yeah yeah, one minute of fame the whole like the whole trip like over there they all like [orh] from singapore from singapore


ya ya they will just like stare at you for like damn long then you also like stare at them back like what , , ya I think like definitely they can see the difference lah cause your hair coloured lah like you know this kind of small small things then your spectacles like


like this kind of smaller like the small small things to them is like !wah! like that kind of thing yeah, ya once COVID ends but COVID is like, damn bad in india so I don't think so I think it will take like at least like twenty twenty two I think


ya , my god, !wah! that's a quite a hard question eh, can you answer first, a surprise you mean like from my birthday no eh I never get before and my birthday was just like two days ago


, I mean I wasn't like surprise surprise lah I mean like they did like my friend did surprise me under the block but I wasn't I kind of knew that it was coming I never like like had I haven't been surprised like you know without me knowing it was coming before, yeah


[orh] ya that was like how many years ago two years ago, [orh] okay okay I forgot about that ya


[orh] ya another surprise is I brought you to Bali remember that I just bought the tickets for you then you


then I just say you are coming with me , ya, no that was last year, was it last year I think it was last year last year last year like new year's lah like first first yeah


twenty nineteen january yeah, ya hint hint it's time for you to do the surprise for me this time,


what's your what's your biggest blessing in disguise okay never mind I think I don't want this question, describe what was the happiest moment in your life


or you can share moments lah I think, ya like those like just just those days like where like you just feel like, full and


happy,


and that was the happiest moment in your life is people hating your work , [orh] your friends is it , it's because your you went against the rules then that's why your lecturers hated you your okay


, ya, okay I think ya my happiest moment in my life is where I've like I finally finish my degree


cause it was a part time degree so it was like a three point five year like likes, I don't know it just felt forever plus when you working then I don't know cause like every weekend I every weekend I was not free every weekend I was doing my assignments right it's either you doing your assignment you reading a book or you


going to have exam it's always like nonstop nonstop so I think when I finally finished my degree right like on the last day ah like ah on the last day after my paper I I want to go I went to the toilet then I I was like I almost cry because like, I was so happy like cause the freedom you feel like you know you you're not attached to anything anymore like you're finally freed you your weekends are free like you don't have to constantly like cause for me at the back of my head I always like shit I haven't finished this I haven't finished that like


I don't know I just hated it lah so I mean I love my degree but I hated like the constant stress that I put on myself but ya [orh] okay it's done


part one finance, okay, sarah how do usually invest your money


that that that's a bit tricky because I if I'm not wrong they say stocks is quite hard to, no like it's very sensitive right


actually I think if like I have if if enough money I might consider going to property because I think it's quite lucrative especially in singapore because if like a lot of, like for example you pay like around five hundred thousand for like a HDB flat like over the years it might accumulate up to eight hundred or something then you gain lah that three hundred thousand and in the meantime you can still


open the house for rental services, ya in singapore


but it depends on whether you value like uh more like assurance or like uh more in stable or because like if you think about stocks it's very very unstable and like you might lose like a huge amount of money the next day, in like the next second even ya but currently sorry what it's okay you go first


maybe in the future or I was going to say that , like I'm not sure if this is considered, a savings for the future but like what my family does is we do like insurance plans, then like there's this endowment plan that we have under Maybank it's called Etiqa


because it's under its based on like Sharia law so it's like Halal in that sense ya so it it it's it's an eight year thing so what we do is like we have to pay like every month like two hundred but then like at the end we have like more returns than we previously had


so it's more of like a savings plan lah you would say it's not so much about you there's that stability of money so it it's actually quite a good plan if you already have like two hundred per month to spare, I even it's something like a savings plan I'm not sure it's under I think it's under insurance insurance endowment plan or something along those lines cause


it's not really investment because the the returns is not super high because like there's a limit in under Sharia law right if I'm not wrong, and you cannot uh get so much in returns but I think it's quite good to consider that like once we already start uh working because like for example you have eight years of that plan then like if you start when you're thirty then by the time you are thirty you have like different financial uh concerns right then you have more things in mind so it's good to have that I think


for buying a house I guess like really check one like the housing grants that are available because like I think if you are just starting out like you just got married and you want a new house I think it's best to like go for like BTO because there's a lot of governmental grants and it's best to like live near nearer to your parents because I think they have like that that uh


I forgot what is that called but it's like multi generation proximity grant ya it's called proximity grant, so if you live closely you can like around hundred thousand or something I'm not I'm not so sure about that , ya so I think, I think it's best if you just start out it's best to go like public housing lah rather than private


maybe private is you can go there you can start like getting condominiums or like landed properties at a later age once like everything is financially stable


oh they have that on the app is it


stepping stone is it , this is available on the PO POSB or


maybe should consider that, like you consider OCBC for savings account, you separate your savings and your spending account right ya ya, but


I feel like it's very hard to like start thinking about saving for money at at our age now because like we don't even earn so it's more about like, the short term plans that we can think about, but maybe like when we just graduated we already should start thinking of saving for houses


, cause I I think a lot of my friends who are planning on getting married uh they already are in a relationship now what they are thinking of they apply for BTO first, or apply for some


I think they're already engaged lah I'm not so sure that but then like I think like they have a few years first then they're so now they're starting to save, so it's like they save while signing up for BTO because this I think there's enough time by the time the BTO is available there's enough time for them to pay off their loans


maybe I think if you apply you don't have to pay but once you already get it then you have to pay, ya,


but for family same thing also lah I would say family it's ya you need to have enough, (mmhmm), but how do you spend your money now


Grab yes Grab is like the biggest, mine was mine will be the same as yours lah for Grab and food delivery and to be honest I think it's quite justified because I'm quite paranoid if I take like public transport at this prior talking maybe now not so bad but like back in june it was quite bad right the situation so


back then I guess it's quite justified to avoid like like to have that social distancing factor, (mmhmm), but you know you you know you can save money on Grab by like buying like vouchers on Shopee


, you pay like eight dollars for like a Shopee voucher then you can use then then you get ten dollar grab voucher so you save like two dollars but I still think it covers for your delivery fees so that's good, (hmm)


ya and there's a , sorry, oh there there's like a new app called RYDE also there it's like Grab so it's like cheap slightly cheaper than Grab because they just started, so ya RYDE, err ya, I tried it but it's quite hard to get drivers lah but when you get it's like sometimes it's fifty percent off from Grab like it's the price difference is quite big because it's new


ya, that that deal is not bad


yes, I agree because there's so many we have so many time we have like a lot of time to do online shopping


ya and their their publicity is better also now I would say ya they have IG lives all that kind of things ah you know


twenty twenty all of us just exist virtually lah , the real life is non existent


but the thing is a lot of people are like saving it is very ironic because many people are like more , more sensitive to the savings now especially because it's so uncertain ah you don't know whether you you'll get injured when features so a lot more people in sensitive with their money but at the same time we are spending more


but there are more people who are spending more also ya so it's, we actually this is quite interesting in a post COVID nineteen world eh COVID world what changes are you making in terms of your spending and saving habits


so it will distract you from like spending more in a way because you are you you can engage in other activities right, Grab your transport wait you think your Grab will increase


uh in, in post COVID serious, because you're going out more is it, save for


it's it's convenient lah I mean you pay like eight dollars to get there in like ten minutes and then you don't waste time traveling for one hour, and time time is, money you know time is money spent , not you but like for me I


post COVID I mean like I feel like now I'm very I I spend more but at the same time I try to save, money by like searching for deals online so if I buy things I always look for like vouchers and stuff and if I buy stuff on Zalora I will Iike always make new account so I can get that twenty percent off


because you know new accounts you get like twenty percent of your entire purchase right so that's what I would do so it's like spending but I'm saving so that mentality is bad because it makes me want to spend more , but at the same time ya so


it works it works and then I get more things so maybe, that's just a that just just a habit that I will bring over I guess, like the Grab thing lah, like buying vouchers before I take Grab


I a lot of people buy it's like at this twenty point two K so or something there a lot of people do that , I just found out like recently , too late lah actually spend so much money already


I think it's really good eh, like I I I really so many people don't I mean I know that people who need like money quick they don't care about CPF contribution because to them that extra two hundred that two hundred dollars could


do like wonders for them but then like for me in the long run it's really really useful because like the returns is a lot leh like your company will be paying more for you and then like you can retire earlier also


ya like actually it it it's good for us and for the government because they don't really have to put in much money to like take care of us like the older generation that like for now the elderly maybe they need more help because they didn't have the CPF scheme when they were like in their working age


but like for us they there's that security like you mentioned lah


it's good for the big ticket expenditures also right because you can use them to like pay for your car and your housing


oh ya so fifty five onwards you can use that money for anything but before that, ya, before that you can use to deduct right !yay! eh travelling !woohoo! retirement sounds !wah! I can't wait to retire eh and I'm only twenty one


but it's a bit sad lah like those people who don't who like self employed people they don't get any CPF contributions right


means I don't you I don't think you have any CPF because I know my uncle he does like he he does, odd jobs like he does a freelancing lah and he doesn't have any CPF contribution and he's already like fifty six now so you can see the struggle a bit lah (uh huh) the CPF


part three negative experience, so sarah describe a time where you've, felt that nobody cares about you


like you said you interfere and like disturb whatever plans they already have


for me I guess, it's not like a specific moment but it's more of like just generally how like I think, I have some people in my life who assume like I have like a very easygoing and, like there's nothing wrong with my life so like they just assume that I'm like there's no reason for me to be like sad or like feeling upset ya upset or like angry about anything so I just I I guess it's like when I get busy and then like people


it's it's very hard for people to empathise with me I would say because like the problems that I face they are not necessarily like it's it's not easy to like pinpoint what, I'm feeling upset about over it's just like internally so I guess like in that sense it feels very lonely going through it cause it's hard for me to like explain to people and it's also hard for people to understand what I'm going through because I'm not communicating it well right so I guess


in that moment I mean in those phases in my life you just feel a bit lonely lah then, I just feel like nobody cares about me you not nobody cares but it's just lonely feeling lah


I guess so yup I would say so lah because I tried explaining it to my friend before like she my friend she has like anxiety issues then I was just talking to her like why the sadness she she like snapped at me and she was just like, I don't think you understand lah you have it like easy for you you don't have to worry about the university you are in and then you don't have to worry about like


on what your parents like disappointing your parents with your results or anything like that so it just I guess it just invalidated my feeling lah, but it it wasn't a sad moment in the sense that she felt like I couldn't help her and like I felt sad because she also couldn't help me so it was just like oh is this friendship like going south or something


ya sadder ya ya ya


petty trivial ya


ah the grateful thing ya, that I agree with you, It's


it's just it's very subjective feelings because like when you say it when you actually end up with feelings there's so many interpretations that people can take from it it's just like oh why you're being so like ungrateful why you, are you trying to be sad just because other people being sad


why you trying to make your life hard like why you why you know that why you want to be oppressed so badly mentality ya, (mmhmm), yes the overthinking is it the thing is I know I'm overthinking but it's just that don't


don't realise my issues like that lah ya, (mmhmm), over thinkers


the next thing like what's next what's next what's next ya


we are chronic overthinkers lah I would say, it's it's something that we actually need help in other thing but like I, but I agree with you on the like airing out stuff on private accounts like I stopped doing that over time already because I realised that there are some people who take it negatively lah rather than like


like wishing well on me because like oh like I I every time I post I would think that people are like oh she's going through this maybe I will like try to understand her and like not disturb her like, send like look out for her those kind of things but sometimes it's just, ya I realise there is a putting up for like it I only just realised that like this year that it I'm putting it up for judgement lah after like my friend made a commentary I was just like


maybe airing it out is not as okay as it should be


like immune to like all these feelings


it's so subjective lah like no matter what people always have an impression or judgment on you so like I think the best thing that we can do for our self is just I mean we also people also have to be people also have to realise that we are humans also what, it's not that not everyone has like one side to them also so I guess like I will just depend on like the I will just hope the person doesn't take it wrongly lah


what if it is, (mmhmm) what are some of the hurtful words someone said to you that you wish to forget


is it the one about the home


take this just too personal, ya because, you're not only talking about her but I mean talking about you but it's just like associating everyone else and, I mean okay the person wass the most superficial person ever lah like the person was just going to different houses just to get money so


but you it's something that will sting ah, I have to agree if someone say that about me it will


now that everyone I mean like the friends that you have now is like close to you at you wouldn't have to do a lot of hosting right I mean if you guys come over to my house I don't even do anything , for you guys so


I realise that secondary school is so filled with negativity I would say that's where like everyone have I would say, everyone who have like sour moments in their life a lot of it will stem from secondary school


(mmhmm) very we were judgmental to ourselves also


we're very harsh, and we all just want to be included I think I think that's just something that all secondary school people want they just want to be accepted and included so if the say if the culture of the school is very like loving and stuff they wouldn't feel the need to be judgmental


ya, secondary school culture normal norms, !wah! that was bad leh I remember like my friend telling me that in secondary school she really wanted to like fit in so badly then like she will get angry at her parents for like not buying her certain things like that like just


but now her relationship with her parents is like better but it's just it's just got me thinking about how toxic it is, especially for kids now like when everything is so expensive and more materialistic right, ya it's changing every year eh


ya we will definitely, we will just attack it ah why were we like that


I think that's the main things that we, mean one of the things that I did that hurt someone's feelings, but like


but like one thing that I won't forget that I did was probably to Cikgu lah when I put the, put the cockroach on her book I mean like honestly on the surface, I honestly feel bad like


on the surface it's quite funny because of her reaction but like, when I like like quiet moments to myself I just felt really bad lah and guilty because I didn't know that she was going through so many other things at her home, ya lah at that point of time remember when like she didn't attend school for like four days and then at first I was just like laughing like oh who did that did the cockroach like scare her that much but then like I found out that it was because of like her home situation


then I was just like feeling so guilty but at the same time I couldn't stop laughing at it I guess like laughing about it is my coping mechanism of like telling myself that what I did wasn't that bad, ya but it was quite bad lah I would say, at


ya we forget that they're actually humans with like, ya like we don't


ya, we only see them existing in school lah, ya it's like, I just felt like at that moment it's quite it it's very humiliating for her it's very very humiliating


ya I felt so bad, but at the same time I could, the worst thing was we didn't, I didn't bother to apologise I think that was the worst thing that I did, ya and I was just like feeding onto like


we were judgmental to all, people everyone I think everyone was judgmental to everyone including teachers that I'm pretty sure the teachers in our school are very judgemental also like I think one of the things that I won't forget was when I think I I was telling madam Quek do you know madam Quek the bio teacher I was telling her that luke


eh luke javier keep calling me like uh medusa that one was one of the hurtful things lah but like, I was telling her and then she was just like, she also said ha ha ha he's just joking, I mean then she was just like you don't you don't see it then I was just so confused at that moment I didn't I didn't realise what she implied but now


looking back I just realised that she was like agreeing with him in a way you know, ya the racism was bad leh like I wish I said something about it, racist and homophobic, ya


that one teacher that we had that was super homophobic, , but how do you even like, I I'm just the thing is, the good thing about it is we only realise when we are older but what about kids who are like


going through it now and they realise that it is racism, like remember that girl who like that, like she had students and her classmates will like throwing paper ball at her there was an entire issue on mothership about it, then, they called her black something I forgot


that in school I feel like in schools is where like all this racial profiling can really, start, I mean like look like our classmates they were like calling perry and all names also what, but people didn't realize that it was being they were being racist


pretty sure like, perry himself didn't realise so


ya it's just <UNK> especially [oh] okay


part two positive experience


okay maybe during my, preliminary kindergarten it was probably playing with you know my my little pony because like they had them their legs were like magnetic right so I I used to like put them on the I used to play with that my little pony on the fridge


so and I would like comb their hair like while uh the pony was like stuck on the fridge then I will just like make trails on the fridge, but then like in primary school I used to collect stickers I think collecting stickers was like the best thing, ever for me throughout my primary school life because I used to trade stickers also


like it was, it was a hobby in a sense that I tried to make money out of it lah basically, so what I did was, yes


I mean, ya so so basically what I did was I bought sticker sheets from you know those shops from at along marine parade it was like around like two dollars for like a big sheet of sticker then I will cut them into like the individual stickers and then I will like sell one sticker for twenty cents


so like it's actually quite a lot of money eh maybe twenty and then there's around like, thirty plus stickers there's a lot of stickers, ya then I will like trade with people and like you know there's those like uh fluffy stickers like a bit bumpy kind that one would I would like sell for like one dollar


so I would say , because okay it started because my sister she bought the sticker for like the school bazaar, and then like I I followed her then I was just like eh this sounds like a good plan lah maybe I should do it and I was only like P two eh P two P one like that so


yup what about you sarah what is your uh hobby or activity that you felt happiest doing


it's your time it's time to shine together,


before we interact with people ya ya I miss that childhood intrigue like we just make friends with everybody we don't we didn't need to know their name we just wanted to have fun like our goal was to have fun and like we don't care like who you are as long as you have fun


oh in my entire life the best thing would probably, be, I guess to have a goal in mind no not a goal but I just knowing what I want I think that's the best thing I had I have done for myself in a sense that at least I know what I want and what makes me happy and like actually pursuing it ya figuring it out figuring out what makes me happy figuring out whether things are


actually of value in my life, I guess like I mean over time like I guess we just, like me prioritising myself is, a priority I don't know why my brain just, but then uh


for you eh what what what is the best thing that you done for yourself


(mmhmm) darn it but the thing is right that process is so difficult I feel like it's very pain it's a very painful process but the outcome is the best thing lah for yourself ya it's for you it's like finding your identity lah actually, because I feel like we are in the transitional age and this is where we like our personality our identity and like who we


uh and like the core is is always on a constant change so like, finally being like okay with, yourself and like just accepting yourself for who you are and like being like okay this is me I think that's the best thing lah, it's a positive thing but it it has to go through a negative journey trial and error there's a lot of trial and error


content and acceptance yes yes, book I forgot what book it's called but they say like we shouldn't chase like happiness but we should change like but we should chase contentment instead because you will never truly be happy like if you always chase


chasing happiness then you'll always be thinking of like am I missing on like the best next best thing but then if you're just contented with whatever you have then you will become more peaceful lah and, peace is ya gratitude and like peacefulness is like better than that happiness because it might be surface level


life is a learning process, bigger but it's always good lah


it was lagging a bit I I was just saying that anything can be a positive experience if we, look at it that way , let's go to a very happy question what is your best surprise


ya I never thought of that like that question


survival mode on survival mode , that oh that enlightenment like oh I'm independent


yes, you didn't you didn't know that you had it in you lah, , I mean like I always thinking mine is not deep but I think like for me the best surprise was the day you guys surprised me for my birthday last year I think that was a nice ya when we went to rainforest lumina


that was a nice day because I, what that that entire day was really good for me because like I I got good results and then like when I then while waiting for Izzah I saw my professor and we had a really good talk about like , uh he's he's a scottish guy and then he's a muslim also so we were talking about religion and it was a nice uh conversation and then like when Izzah came I was having cramps so I slept all the way and then like Hani said she need to take tickets


but then like I went to Nando's and I saw you guys and like it was my favorite place to eat leh and then we went to rainforest lumina and it was best it was a best surprise, ya it was just like eh and then the guys were there also and I was just like, !wow!


you guys care about me besties, share a funny inside joke that you and your friends, see lah I'm about to


I think I will be a horrible person, no because I feel like, if I'm I was already like born in that like being a millionaire then I I don't think I will be the person I am today and I'll probably be very self interested in just like I mean for you to be a millionaire billionaire millionaire if I for me to be millionaire it means that I have to fit on other people's bags right


and then like so, so like I don't think I will be altruistic as I would be if I'm a if I'm who I am today and then like I'm millionaire the next day, there's a lot of things that I will miss out on I guess


on like the most superficial things I think but if I mean like me now I'll probably spend it on like okay I will say like, do the world a justice and like help here and help there and probably have a nice life for my family lah, ya


ya, , ya it doesn't make sense it really doesn't make sense


there's so many worries to think about, money money comes power and power, is equals to responsibilities


I just want to be a thousand-aire , I'm I'm happy, I'm happy being a hundred thousand-aire and like, that gives me sufficient money to do what I want to do


ya like you would only think of like material wealth you wouldn't think of like others will being


convenient money , in us when we are successful in the future


share a funny inside joke, someone Botak


, , no she was worried the funny thing she was worried,


like looking for until like a year later , ya then Izzati was like being nice and she was just like maybe it's dry but like ya


, it was his at uh the the list , it it's uh there's so many inside jokes actually,


okay , ya no it wasn't, twenty nineteen was such a good year no wonder twenty twenty went down because like twenty nineteen I think the japan one was good also when I went to japan and then like I stayed at the stone cottage and I did all the snow activities that one was really like


!yay! I know and the best thing is they fed us really well because they bought for us Halal meat and stuff and then they cooked for us breakfast lunch dinner and it was like, wholesome food eh] it was like homemade lah, sorry what


I didn't join a tour group but then like we we personal tour, personal guide but the personal guide was in singapore so did so she will just like asking us and she was just telling us where to go and like where to go this this this this and then like there will be a person contacting you and like driving you around so it was good there was a lot of independence lah ya local driver


that was amazing , no uh my mom's friend, ya because my mom has a lot of connections in travel agency yup, what about you is it turkey


ah ah


if I had to describe the feeling that you felt it's probably like you know after a massage, then you just feel like okay this is so tranquil , ya


lord lord of the rings


fairytale fairytale moment right there, magical, it was for how many days how many days did you go for


I think as of now I'm not investing in anything just on personal savings but if, I feel like when I get older or like when I accumulate more money to think about investment I'll probably I think I would be interested in investing in stocks probably


I think ya, ya it's a it's very sensitive also like you have to pay attention a lot to it if I'm not wrong right but then as compared to like other


investments like properties that kind of stuff I think it's a bit , it would require more, money on your part to start investing you know on like properties for example


ya that's true also what I heard is like invest investing in properties is like the safest, right it's like less, less risk , but then


ya but for you to be able to afford to start investing in properties is already like you have to have a certain amount of money for the down payment ya that's the I feel like that's the only qualm


uh from what I learn in like, finance or something like that I think, big, risk equals to big returns or something like that, that's my limited knowledge


on finance part that's what I heard but ya I agree with you about the property part


ya ya ya


is that considered insurance or is that under investment


so Adila what strategies would you recommend to someone planning for their big ticket expenditures


ya ya ya got approximity


I think for me I'll be talking about like in terms of my context like at my age, feel like people of our age usually either they are just starting to think about saving up for the futures or just haven't haven't given it thought yet because we are still in the transitional phase


but , one thing I realise is, like the debit cards we have like OCBC or what not they have, , like funds that you can set aside like they call it like uh


like coin banks like virtual coin banks, that ya you can separate , for different different things like if you want to save up for travel like that then you can just like separate out your money virtually I think that's very interesting and useful and I think as as youth


like it that was my first exposure to like oh I have to start to think about saving in terms of this in terms of this and I think that uh that application that function of that that was given to us


but like our debit cards for youth that kind it's such a good like stepping stepping stone ya towards personal saving, , I'm not sure about DBS or POSB but uh for OCBC because I'm using the FRANK card


it really caters to people of our age and then they really it's a really simple, outline or functions which is very useful, for us ya


ya just for savings that's why I use it for two, like, ya spending card is different


ya, ya when we get a job and like stable allowance


before they get engaged, oh okay okay


but don't they have to pay a down payment when they want to apply for BTO, I'm not so sure about I'm not so sure about that also


I think


just, specifically for this period of our lives like in terms of COVID and since circuit breaker I think we've been spending a lot on food deliveries because, most of us are working from home or schooling from home


so , cooking ourselves meal every day is like not an option , not like a feasible option but then ya I feel like my expenditure increased in terms of, transport probably Grab


ya Grab always, always Grab and, and, food deliveries for sure


ya I agree I agree that Grab is justified , , I didn't know they had such things


oh, oh I didn't know I didn't I've never came across there but one thing


oh have you tried it, oh not bad not bad, ya also