uh overspend like uh strategies of not buying a car for example in singapore because it's very expensive and then it's also a liability meaning that you are throwing away money right so you don't get anything return you need to pay car park you need to pay the ERP insurance the oil


so that is so much of, money and then instead when if you want to start planning for big expenditures we should actually aim to get, assets so assets, like aiming to get the house


like save to get a house to actually know buy gold or buy a limited watch like rolex for example where you can buy the staff and then sell for more money, so that is one uh strategy lah and then, also, where we need when we buy a house for example we need


to understand the both parties, amount of salary whether we can afford it or not also that is one because if we can't afford it and we start to quarrel and uh a lot of arguments along the way it's very difficult, and also like for example if we want to have a


to save more we can invest on like less wedding and spend more or splurge more on, the honeymoon side you know this kind of small small little things I think it's better lah if we want to uh start the family and stuff yeah yeah that that is me that's me I don't know how about you some a short one


oh wrap up ah wrap up okay okay lah wrap up at the end I think, these financial thing , is a eye opener, for younger people because we get to understand better and because before this we did a a small research on ourself


like (oo) how we we look back lah at how we actually save money we spend money, and this in, terms uh survey actually helped us to learn a bit better , about our financial stuff and how we can save lah save better save first then spend thank you


(ppl)


negative experience, okay, you want to go first saddest moment


I start first okay, oh teaching back, uh saddest moment I don't really have much because I'm you know happy-go-lucky like very very chill, but there is this one moment where it's about my late grandmother


my late grandmother because, I feel my paternal side my uh my father's side, I not really that close with her because she's really old and then she always go to the hospital having her dialysis so she don't have much energy to like play around with the the kids the grandkids and all


so but when she have the energy right she will always cook for us very nice uh, what's that, fried chicken !wah! the fried chicken delicious you know delicious it, I don't know why but all the grandmothers know how to, cook very well for


the grandkids lah so that is one, but there is this, one every every year during #hari raya# right she will greet forgiveness time, when we you know , what what is the word ha Salam Salam what like


you know the the malay word the bless the bless thing, , ya the the bless part right, this bless part, she always say, I'm going to die soon


like every, every year she will say I'm going to die soon blah blah blah, like to everyone lah to everyone that err, ya then she she will give money and the money to everyone I might that the cousins are like there's more than ten


and then she will give each person fifty dollar, can you imagine because before that she will said I'm going to die I'm going to die, so every year she will say that and then there's this one year which is, uh when I was in sec five which is two thousand and seventeen


yup uh she passed away and then , it was very sudden because she was lying down on her bed and then, we were having err, lunch outside just near the Bedok there


and then the maid called my mum saying that, my grandmother just passed away out of nowhere, so we had to drop everything like all food we just drop it and we ran all the way back to the house and then we saw, they my grandmother was lying out on her deathbed lah


and then uh I remember that, we had to go in one by one, to say some prayers and then I remember touching her leg, holding her arm, and then kissing her forehead lah before she leave and then there's it's also sad because


I didn't get to, uh see her burial, because I had my O level uh oral, that day, so I didn't get to see, and then if you were to ask me what's my last memory of her


where eh it's, really nothing much nothing much uh that I can remember maybe her smile, when we go for holiday seeing the, cousin because as you know I have some cousins at malaysia , so uh there will always be smile whenever she go back to malaysia and then it's also sad lah like


uh, I have not much memory of her because she always go for dialysis that's all I can remember like, her being in the hospital, yeah that is, quite sad lah for me lah


my dad, my dad was accept uh accepting but, how to say this, in the family, it's quite


there's a lot of matters that, have to do with money, because to support the the grandmother is also difficult, and as you know uh, some you know private stuff, is very difficult for the whole sibling to actually support


my grandmother so usually it will take my father and also the brother lah my uncle, so, when she passed away it, for my father's reaction, of course he's sad but he doesn't show, yeah he doesn't show


like he but there's this one my uncle the little brother, he made a lot of, uh that made, err a bad experience for my grandmother, so when she passed away


he cried a lot because he couldn't for uh ask for forgiveness, before she passed away yeah so that's one, and then my, all my other uncles and aunties also, was sad but


because my grandmother keep telling them everyday eh I'm going to die I'm going to die soon, so so, yeah yeah so they already know


next question the traumatic experience oh traumatic okay I've one, the, I quite traumatic I hate seeing blood, I cannot I cannot because of this experience okay


so I had this friend last time during primary school, and then we were playing catch it in class, I think it was like the end of the year, where we just can play around no need to study those kind


and then my this friend, just ran around playing catching and, the one the capture just pushed him, and his head hit the edge of the table, and then the egg, there's the blood just came out squirting like a pool


like oh my god the whole like can you imagine a classroom imagine your uh secondary school classroom right just imagine a big huge circle in the middle of the classroom, that is the the, the the the the normal table where we vandalise you know that table


!aiya! I don't, ya but it hit at the uh what's that, ya eyebrow there near the eyebrow, ya hits he hits so hard and then there's a pool of blood everywhere !wah! I see that right


everything that gots to do with blood I cannot even the one that I told you, err like pulling the teeth anything got to do with teeth all got blood all I cannot, so just a warning ah just a warning when you get uh pregnant I will close my eyes and be there with you you know I I cannot I


because if I if I were to faint there then the later got another doctor will come like oh attend to me like !oi! !oi! !oi! your wife is coming out baby then you faint, so that's a bit hard lah ah but, because of this traumatic experience anything that's got to do with blood I really cannot handle I'll get dizzy I would I will


I'd I'll try to like, I want to puke uh, ya I just when I see blood I'll just sit down but what's interesting is if I were to see a blood or anything gore online, I can see, because to me like


no because to me right everything online is like fake, like uh ya, correct it's like everything is behind the scene people can do something anything or what so to me I think oh this is fake like people were to hit by a car at there's accident


like you know the hairs all flying around or what, I see like oh even though it's real it's in the news but when I see it online it's like oh this is, not so as bad you know you you understand, so yeah, ya that's one traumatic experience lah about blood if


how how about yours do you have any


okay but he's okay now right, [orh] that's why you always receive from me okay okay


next one Nah describe an event that made you yeah angry, for me, I hardly get very angry, like I don't get where, yeah I I just


I had this personality that I you know what I just don't care I just don't, like whatever but, I get uh irritated or annoyed a lot more that I'm angry so especially for people's behaviour their personality if they're rude to people this kind of


things will trigger me lah, and then I also dislike, like what's, irritating like you know those people who , they think that they know everything, and then this kind of people like !wah! whatever you say you are wrong


they are the one that is correct so this kind of personality, it gets me very irritated, not angry I don't have any, angry moments lah but , some of course there are sad ones but wait wait that one we'll share later lah share later sad ones


but, do you have any angry do you feel angry at any point of time in your life


it's okay it's okay it's done, they have some changes lah this


okay uh okay just to wrap things up, I want to answer the last question like what do you often worry about, I would say there's only this question inside me, uh that keeps repeating this unconditional question is this my best


like this every time I do something there's this question is this my best you can do better what, you know, and then with your friends all around you see other people, sometimes you feel like (ugh), I can do better


you you you do you get it so, these are the things lah some there's also like greatest fear of you know your results doesn't translate the effort, and then there's also this cliche thing that, the fear of failure you know you need to have failure to


gain the success, to climb up to be successful , but as much as we said it to believe in it is very difficult also, right because, there's always the downfall when we taste failure, so that's one lah yeah


positive experience


no lah I think it's like basically all those good experience is very difficult to remember you only remember all the bad stuff


for me I have one but I didn't know I I think I laughed because it's a bad laugh, like like, okay like this okay so I had this experience where when I was in secondary school we had a PE lesson


alright this VE PE lesson our PE teacher is like those lazy lazy one okay guys play whatever you want to play like we all have those teachers, so, the boys and the chinese boys will play basketball the malay will go play soccer then the girls will just sit down there they like don't want to play ya they ya right right because they don't want to get sweaty and all


so , during this PE lesson, our teacher uh he's a soccer soccer freak so he will play with the malay boys and stuff like that and then they will leave this chinese chinese group alone with their basketball, and then once the PE lesson finished right we heard this


scream and shout like cher cher help help then everyone just look like what what, happened and then this person he's my friend he's a joker in class right he's a joker , so whenever he's shouting we just don't believe whatever he says but apparently he was shouting because


his knee, sorry not his knee his ankle pops out, oh it dislocated but he uh so we but once he shouted cher cher help my ankle uh locate then we all like look at him !huh! like what then he was shouting cher faster come here and then we like okay okay so my teacher can smile


smile some more and walk like [ho] [ho] hor you know and then I look, ya was laughing I I I walked to with my teacher to this my friend and then !wah! can see the bone just popping out you know !wah! !ow! was he that then he was laughing then he was like cher cher look at my bone coming out then the teacher also like


yeah yeah, exactly he was sitting down and then he was like ha ha ha then I look also what actually , and then I laughed oh my god , but the one that the the killer right the killer was my teacher just took his leg


and put it back, !ow! I was like what and then I looked !wah! everyone just laughed and then the reaction of my friend was like eh cher okay already leh okay it's still working leh


!wah!, I know I I don't know it's just too funny ah ya that is one, (mmhmm) (mmhmm) !wah! that is so funny eh and then for next question about the fond memory okay I have one but it's not a good memory


it's good and bad I don't know but this memory right, this memory, because it's quite funny as well, I went to KL


I went to KL and then, my my father is just so, how to say stubborn it, my my father don't want to listen to my mum say okay , you need to get more oil okay get more oil but then my father ah for the car but then my father was like


yeah ah no need no need can can can can so we go at the highway no oil !wah! at the highway of KL you know no oil there's no traffic no nothing just cars zooming in and out and then we had to stop at the side of the road and it was


it was day like and it was raining also raining heavily, ya and then , everyone was panic my mother and I was panic and then we had to come up with a plan so my father just hailed someone a motor to bring him to the oil station to get some oil


so he just left us there the whole family just left us there and then because of my mother he she panic and panic and panic say what if , people kind of like rob us lah this and that !wah! then we also as the children ah panic already don't know what to do , and


!ow! I was eighteen nah eighteen, ya ya you know why I was confident because below the car there's a golf stick oh [ho] there's a golf stick so I'd I had a I had a golf stick in my hand just to prepare for any you know uh someone want to come


so that is what err, uh anyhow just whack lah that is one fond memory I think, but the rest, fond memory is very difficult ah with your family julie the ones that, create memories, for me personally is overseas


ya overseas is the best because singapore is like I know you keep doing the same thing again and again but maybe going out for dinner ya going movies, there are some funny things that happens but, you won't remember them you see but times like going to overseas where you go like maybe once a year you can remember them like some of


did you get to see the berlin wall uh is it the berlin wall the separation


then there's a lot of drawings and graffiti right


is there a the you know the the what was that sign the hitler sign is there any that that sign that you see, you know that, swastika swastika right it's the swastika


what hand sign is it the salute


okay okay, my blessed (ppc), !wow! pleasant travel experience, ah , okay I have one , there's this, rule ah scooby doo roller coaster


when I went to australia and then this, ya I went to australia the gold coast and then when I was young and I think I went I went when I was young and I was a bit, older maybe like fifteen sixteen


but when I was seven what I went to like primary school but this scooby doo roller coaster right is not just any kind of roller coaster , this scooby doo roller coaster is a four four man like four man like it's a you know you go mining you you are sitting in a cart


this small cart , right and then this small cart right it will bring you to the ride and all but there's this one part where they just bring you to the top instead of going down in front they bring you down backwards, then every then we all just


!wah! I tell you my heart ah !fuh! my heart really want to come out and then especially the the cart I don't know some, I don't know but that time I was very daring I want to I want I want the cart to fall because that thing the cart I can feel it tilting the other way like they're like tilting like it's going to fall like that like the wheel is


up, I know I was young ah I was dumb and I were dumb, but it's it and also the inside the scooby doo thing is all dark and then you will because scooby doo is uh like those ghosts ghouls and all will come out so everything is


dark, ya the ride is enclosed you see correct it's inside a building, ya in inside a building, so that was one and then the other one recently I went, to hong kong ya that was, recently like maybe


two three years ago, so and that no it's not disneyland lah I can't remember what is it at hongkong but, I've I feel like at this age I'm afraid already like I'm scared to take higher rides like because after seeing you know social media got this kind of video people falling off from the roller coaster lah falling off from that !wah! I cannot I cannot my heart cannot take it I'm really old already


so they what roller coaster right that's the last one I took with my little brother that was I say okay nope no more no more I can't so that was, one experience lah which is good but , , too scary for me already I cannot even the those you know uh genting highland there is this ride where


it will flip you, upside down and then stay at you will you'll just hang upside down that one, ya that one I cannot already I cannot no more, I go lah I go I go I go I go I go I go


yeah must must be brave lah must must be brave in front of you can can confirm can, , right, okay okay so next one uh what is, what was the happiest moment and proudest okay I want to


for mine is happiest and proudest, moment but, it's the same I think it's the same but more of for me it's like more of the education part, ya for me I think that, firstly happy is


to see my parents happy lah especially when I got my o-level result !wah! because, I know my parents, spent a lot and I was, not that very well educated, !hey! I failed here failed there and then


for my o-level I studied like crazy even now I think back I don't know how I studied ten hours like a day like !wah! just sit down there study my notes and all, so I think that uh when I got the results, and looking my parents jumping up and down like !wah! I think that was uh they they jumping so I think that is


I feel that is happy lah one of the happiest moment and then for the proud moment I would say taking my diploma, uh I feel proud because, after my O levels knowing that you know I I know I can do better


like there's this part of me knowing like not, I have the drive you know like last time I keep failing failing failing failing but then I studied ah then then I get my o-levels I was happy , and then I know like okay I can do better I can get more As right so when I go to poly !wah!, but I was a


workaholic lah last time, ah in my poly there I'd I


and I'm hungry for it lah I hungry for it that's why, but, there's a downside also also I do have CCE cannot hang out, so that is one downside lah so that is one of the proud moment lah another one proud and happy


that I got you lah that actually !chey! , okay okay , okay okay how how about you how about you


with that head and all (oo), must must I also want to do that soon soon


okay so next one , next one ah perfect day, !wah! describe a perfect day my perfect day, first of all now it's like old, almost perfect lah almost now , we can wake up late you know wake up late you know nothing


have some brunch breakfast lunch, then after that you got food coma you take a nap again , right right and then after that, maybe you want to go out, then you get ready to go out, and then for me go out you know window shopping shops some stuff


then at night just relax play game err perfect night lah perfect night, a perfect day uh for food, the best spill so far that I had, I wouldn't have !aiya! I


I have not many food that have made me go !wow! before not many, that made me go !wow! but, there's this one food that I went to australia cause I know there's one night we were very, hungry, and then we ate this rice and yolk I ordered this butter chicken


then then this butter, ya this butter chicken is like out of this world , like I cannot I whenever I think about it I want my maid to cook again, ya that's, ya it's a arabic shop, yeah yeah so it's quite nice lah and then and that one recently


I don't know something about it I think maybe the butter no it's not spicy, it's very nice it's so creamy, !whoa! it's so cream , ya ya and I with the rice with the rice with the rice


another one was japan recently only last year I went yeah I can tell you the the airport !wah! dawg airport the ramen right the best airport one you know airport so that's one yeah, do you have any best meal


where where's the best place where


yes okay who wants to start first, okay sure


how about me first question I actually do have a habit of spend uh saving cause I actually do plan on how I spend and save, but for me, I plan on spending first like how I'll I would want to spend my money first so I would spend on my needs first so basically they consist of


bills transportation fees and I'd want to spend on my family first then the rest is actually my want so I'd spend on my social activities and my whatever what whatever things that I want lah like for example clothes


stationeries I spend too much on stationaries by the way, cause, ya I I love to write I'm a writer what I don't I don't deal with this typing stuff ya and then , how to ensure that I meet my saving goals right is actually to be thrifty thrifty in the way I spend so thrifty thrifty right ya it's thrifty so I always look for discounts deals and promotions for example now right we have the shopee


right right and then ya ya and then we, we keep on uh we keep on looking for deals the free delivery cashback ya I always look out for those promotions and also I like to compare prices and, at yeah and whenever I want to buy stuff right I'll always take a long time before I decide to buy the stuff so to me right if I take a long time to buy the stuff right it's not a need it's a want so yeah that's that's


ya it ya you do anything for fashion, you'd do anything for fashion


yeah correct


yea it's very risky also, I actually have okay so basically five years ago is my I'm fifteen years old I am in secondary school so one advice I would like to give to myself is actually to start


a business, just just a small business , cause from I actually study myself so when I was fifteen years ago I like to observe people, I like to observe people and then I think, I have the observation skills I would I'm always like at the back lah I always like to look at people study people so I would like to take that advantage to actually instead of just looking at people I can actually study their behaviour buying behaviour ya I can actually study like


what do they actually buy what's the trend so I can actually you know take advantage of it and then start up a business and try to market these products to them, yeah and then so when if I because in secondary school you have a lot of friends around you so you can always start small so but if you if I were to start a business now right I think I don't have a lot of friends now as compared to earlier but if I were to start a business earlier right I think


I would have a lot of friends and customers so my business will actually grow and I would actually earn more income from it ya, so yeah that's that's , my advice for for my when I was fifteen lah yeah next question your turn


yeah okay


ya true


I will talk about only the financial commitments that I have before and after marriage so as of now my financial commitment is actually only my bills and transportation but I don't travel that much now , so now it's actually uh bills which is just my phone bills okay and then after marriage is is obviously your bills also and then your household expenses and then your child expenses if we ever ya start a family or have a child you have a child lah


if I were to rate these financial commitments after marriage right I think to me lah, is actually I will spend on my child expenses expenses first make sure that they're well-to-do like they're well cared of and then uh the next would be household expenses because we all need food ya


food and water and everything like basic needs lah then thirdly like thirdly in my list uh it'll be my bills after that ya that's all, okay you like you like okay


oh my you know it's so sad because I'm twenty this year and I'm almost there I'm just almost there and then couldn't even get it !aiya! I don't know maybe next, year whether they still give out or not because of the our economy now right I don't know whether they can still give out to the twenty one years old and above so very Sian ya


hopefully lah hopefully, okay for me , since I'm at home right and there's nothing really much to do


I tend to spend more on delivery delivery food ya my family like to eat especially my cousin right she's been delivering in food from KFC, ya so that's the thing that we spend on the most at home and then based on my saving habits post-COVID it's my transportation and of course my social activities cause I used to eat out a lot with you


and eat out a lot with my friends so uh as of now we try to stay at home as much as possible so ya there's a cut down on that lah, yup


oh wait what question is this oh additional question oh okay alright


you are seeing results in the future lah like it's a long term plan ya okay


, okay for me I'm trying to find extra income cause I am a student right now and I am trying to find things that is of low commitment so I don't neglect my studies


so uh instead of taking part time jobs which I can't actually cause of ya like I said commitment issues apart from part time job I actually like like now I'm taking part in a survey which, yeah yeah, gives me like extra income and also I try to as of now lately I've been I'm a new user on carousell so I try to sell things from there ya and I do I do actually have some returns not much but it can cover at least my transportation fees so


it's a win-win situation, yes, ya


okay for me right I think to me I think it's very difficult to achieve financial independence yup I think I will talk more about retirement the retire early part, so I think it's impossible for us to retire early in like this is my opinion lah cause


the standard of living in singapore is always increasing but, our salary is not increasing as much I feel like it's not increasing as much and , so how do we retire early if our salary doesn't even cover doesn't even help us in the future so I think it's impossible impossible lah to me in to do it in to retire early in singapore and I think only


the the high class or the higher income earners can actually achieve that lah, yup


and replay okay


yeah yes


uh so you answering question six right , okay for me I don't I don't do it cause I think it's an automatics process it's an automatic automatic system so I leave it to the system itself


uh, but actually do fount out , four ways to maximise your CPF savings for retirement and firstly is actually to transfer your money from your ordinary account to your special account okay because yes that's actually special account is uh the money set aside for your retirement


so it's a if required can use when she older, oh, planning for big expenditures oh okay alright so if when you do that right you can you can actually


make use of the increase in interest rate and the interest rate is actually compounded yearly so you can see the benefits in the future like it will grow the money will grow inside ya that's one of the ways ya


uh wrap up wrap up already


yes, yes


negative experience, okay and you start first you start first yes


yeah exactly yeah


blessed blessed the blessed part, oh no when she said that


she said it to you to everyone


okay I what I want to ask a personal question like I want to ask like how because since it's your paternal side right like how did your dad react


was he but he was he accepting of the fact


he doesn't show he doesn't show


, or they already they already prepared themselves for it lah even though it was sudden but they saw it coming


for me saddest moment of my life, uh, , for me I think was when I dropped out of


a levels yeah cause when I dropped out of a levels I actually had had hope, had hopes to finish it and then go to a uni because that's what my parents actually want so at that point of time when I decided to drop out it's I don't know I feel like I I lowered


I feel like I disappointed my parents even though they didn't have that they didn't feel disappointed as much as me I feel like as a person like my expectation actually dropped, yup like then after that


uh, I think that was that was one of the saddest moment lah like I didn't know what to do after that and I didn't know if, I could continue my studies ya I actually wanted to I actually wanted to take a gap year to figure out


my passions and everything else ya so that I can actually you know have that mindset have that focus to achieve what I want cause when I was in in A levels right I didn't really have any long term goals I just want to get to uni but then


it's it is not something that is it is not a reason for me there's no, pushing factor there's no motivation for me to reach my goals , yeah, there wasn't any passion so I think that it is so important to have the passion lah in order to


, sustain in the long run, next question


but what table uh what table is it is it the teacher's table or the the normal table, but isn't it rounded


he hit so hard ah he fell


ah , !aiyo! okay, okay


okay okay got you


why are you contradicting yourself, like it's behind the screen lah so it's safe lah (oo) okay, okay okay


I have I have one, , I think it happened in during ya my first year of a levels , it was close to my exam date already I was actually revising and revising it was the last week of revision before I finally sat for my paper and in the middle I think was ramadan was ramadan it was my exam period


and then suddenly my dad actually met with a with an accident but luckily luckily he didn't suffer any , , major major injuries so what he what he what he actually I'm sorry what he actually


the injuries that he had it was actually I think, broken toes broken ya broken toes luckily nothing happened to his head because he was actually wearing his helmet , but he suffered major injuries to his uh feet because he was actually wearing uh sandals slippers while riding his motor ya he


what happened was he wanted to swerve or I think the taxi wanted to swerve but they met uh they collided into each other right and then my dad was thrown off, he slipped uh against the tar the tarmac yeah then uh it was


late at night already he he was actually from the mosque after his prayers right he went to pick up my mother from her workplace yeah and then it was already at night late at night it was eleven and then suddenly uh we had a call my cousin had a call from my dad


saying uh he he told her to okay meet me at this street uh don't ask any question just meet me at this street so what happened right my cousin went down to the street and she saw that my there were there was already an ambulance waiting to pick up my dad already


so my dad was actually calling her to accompany him to the hospital but luckily luckily he wasn't that bad but when I saw his injuries , I think it can act ya it's quite


bad lah my mum was like my mum was like !ee! !ee! !ee! ya then she suffered he cannot as of now he cannot hold heavy stuff on his right hand, ya he cannot uh he cannot clasp properly I think ya and then uh his feet one side of his feet is actually bigger now like it's swollen but this it is working fine ya it's just that his feet right expanded ya


so now he have to size up his feet ya, I think it was a traumatic incident for me also because, , I didn't see it happened I didn't expect it to happen like that and at that point of time it was very stressful for me because I remembered when I had to visit he visit him in the hospital I still have to do my revision


yeah my revision ya I had to do my revision and then I remember like I think after class also I had to rush it down to pick him up after his appointment ya it was ya lah the family actually suffered quite a bit ya


yeah, yeah he's okay now and then I always hope that he always he's always safe on the road, yeah, ya that's why I always say be safe always open your eyes yeah, it you you driving safely but you don't know like other people they not driving safely and they can anytime ya hit us yeah even though you're driving safely yeah you you cannot expect it to happen also lah so always be safe always look out for others


because we're always happy ya


okay like you I don't I usually keep it uh within me I keep it towards myself, , not really angry but more towards annoyed I get annoyed easily for example for me I sensitive ears right I get irritated when I hear noises especially when I'm sleeping right yeah I cannot I cannot handle the noise even as simple as snoring snoring I cannot I cannot


I I will be easily awakened but there's actually one event that made me very angry because I , I had to keep this anger in me and I was actually shaking yeah I was shaking,


I used to have a part time job it was actually my first part time job and I worked in uh okay I worked in a tourism related company lah so I had to deal with foreigners coming in okay so there's this one foreigner we had to we actually have


, this thing called tax refund so whatever you buy in our shop right you can actually claim your tax refund so what we have to do is actually to scan your passport and then uh what the foreigner have to do it is to take the passport and the receipt with her to the airport so that you can actually claim back money


you build you claim back the tax that was taxed to you yeah yeah so, on my end as a cashier I had to just I had to I need the physical copy I cannot scan the the photocopy of your passport I cannot but okay so I I explain to the foreigner lah okay so do you want the tax refund


she said yes she said yes okay so I said I need your physical passport so that you can get your tax refund, and she suddenly get so defensive she was like why do you need my passport why do you need my passport are you the immigration officer


then I say but you want the tax refund so I need to do this for you and she was she was so rude to me she she didn't understand, the concept of tax refund ya then she were which she scolded me and then she her voice was was very loud then everybody in the shop was looking at me and then I was actually a new part-timer there and I didn't have to do this


ya I uh there was actually full-timers there but they were busy with other stuff until , when uh one of my staff right when she heard the commotion right she went to save me and then she asked the she try to explain to the foreigner, also but she also got scolded so I was angry that she scolded me and I was also angry that she scolded


my my my my colleague because she didn't deserve to be scolded like that like the way the way she treat us right like service related officers right, is so, it's not a it's not elite it actually reflects the way you treat other people like it's it is not a good look on you ya so I feel like I was treated very badly and as a customer service like officer right I feel I feel that I didn't deserve this like I deserve


uh to be treated respectfully at least like basic respect come on right and then, and then I can't I cannot show my anger that's that was when I was shaking in anger I cannot show my anger cause it's, suppressed


right cause if when you in customer service you have to, treat uh your customers as if they're right but actually when they're not !wah!, it is not fair it is not fair really, it is not fair that's how I was shaking in anger


yeah ya it's done, but I wish I hope that I don't know lah, ya people that's it's really just basic respect as a person you have to have basic respect towards others ya cause it really reflects badly on you


yeah


I worry most about if I'm able to support my family, when I when I work full time ya I want to be able to see my family being well taken care of


ya, that's one thing that's my priority now [lah] that I worry about yeah that's all


positive experience


okay for me I will start first okay question one describe a time when you laughed too hard , you know I had a hard time trying to uh recall the memories when I laughed too hard but it was difficult because


I don't know I laugh all the time I laugh all the time, yes yeah ya it's easier to remember the bad stuff but for me recently recently I was playing uh I was playing a game online game with my friends and then


we were all doing different things but we spend time together in the in the uh online game and what we actually played was Uno Uno online and I was at home and then there was a friend who was actually in the a mall


ya she was looking at Daiso ya she was shopping at Daiso then there was another friend who was at JEM I think and then uh in the middle of playing right uh suddenly she was like screaming in the screaming in the chat box she was she was saying


eh wait I need to save entry first then everybody kept on laughing cause like we didn't know she was uh actually outside, ya I think uh that was one of my recent uh moments when I laughed too hard ya, how about you


okay, bad laugh what does it mean


and look at boys ya ya ya ya confirm


!ow! !ow! okay


then you were laughing, !ow! !ee! !aww!


then he was like what pointing at his ankle and then ha ha ha my ankle pop out like that , ,


oh !ow! !aww! !aww! okay, , !wah! this is so weird how can you laugh at such such a memory


, okay okay, okay , okay, , fond memory is a good memory not not a bad memory


, for the car for the car


!ow!, was it uh daylight or nighttime


oh no okay


wait how old were you when this happened, I think you can I think you can take care of your family lah at that point of time while while your father you the head of the family now ya


!ow!, golf stick okay okay okay okay, you can anyhow just whack ya


yes understand, share your pleasant travel experience okay , for me, the my most favorite place, to go lah I think it was is my is the top of the list cause I actually had a once in a lifetime experience so I actually uh went to germany when I was only fifteen and it was only a group of us a group of fifteen year olds also


then it wasn't it wasn't really a big group like we were there to represent singapore lah , so what we did there was actually to okay first of all I used to be from NCC so it yeah it has a lot of military related


stuff so when I went to germany what we did there was actually to observe, the men our army men over there who are serving NS currently lah uh they are actually involved in tanks artillery artillery and military tanks so we went there to just observe but


of course I went there just to have fun in another country ya and then apart from that I also, saw a lot of historical sites and one thing that's interesting is that you know you know how germany has survived the war right and then they actually have experienced a lot of bombings on some of the historical landmarks like


a lot of bombings on their architecture so one thing that they did was that made me go !wow! right is when they try to preserve the the buildings, that was bombed so it was, over there they preserve it very beautifully like they they cover it with glass glass panels


and then one of the the buildings right uh it's actually a palace I think and then they they try to involve a mall in it so uh they try to incorporate practicality and historical landmarks altogether


so instead of just embedding abandoning it just like that they try to use make use of the space so I think it's a very smart decision lah in terms of architectural designs, yeah, I did I did I did I did there are there are there I get to see the berlin wall and then it wasn't that high I think wasn't that high I think was


like for example my my wall right and then plus another another floor half of it it's not that it's not that high ya but obviously I cannot when I look at it right like I think, people can climb over it actually people can climb over it with the necessary tools lah


yeah yeah and then they can, have have a lot a lot I think they're quite messy lah I cannot understand I try to try to decipher what they're drawing right I cannot it's just best yeah


oh you know when we were in germany right we're not supposed no I don't I never see I never see I never get to see that but one thing they did remind us was to actually respect the laws over there and political wise right you know there's this hand sign that you're not supposed to do


it, ya ya don't do that don't do that it's uh a political I think it's political ah something to do with politics lah ya but, knowing my friends right and we're just teenagers especially boys at that at that age right they


just do lah they just do and then like we were all like the girls were like what lah no lah just respect lah respect respect the laws there lah cause I was scared that, we are seen by the german people and then they will look uh they will look at us differently because you know we are wearing uniform right yeah so it's very dangerous for us to do that yeah


yeah, how about you your pleasant travel experience you have a lot confirmed have


australia okay


oh okay okay I saw before ya ya ya I think tokyo also have, tokyo also yeah, , , yeah


!huh!, but why do you want to wish to fall, crazy crazy crazy ya ya ya


oh so the ride is enclosed like the mummy, okay okay okay


hong kong okay


okay, okay, but what what if I want to ask you out to USS would you still want to go, you go ah which I may I drag you to the roller coaster you know


can, , okay okay, ya I think it's a scene


!wah! they jumping okay


you have the drive yeah


but err ya you put in the effort you work hard for it like extra effort ya you'd because you understand that you understand that it takes effort and not luck, to achieve the to achieve what you want ya


eh eh eh eh eh , eh what , flirt ah flirt ah are you flirting with me okay okay okay I shy I shy, okay okay uh I don't know how to recover okay


my I will talk about my proudest moment nah okay so my proudest moment is when I got a, spot in uni like when I I'm finally in uni university lah cause prior to university I didn't I didn't


know what to do after O levels so I didn't I will I went to I went to take my A level A level route but then I decided that oh okay it's not for me then I went to a diploma but then again my diploma is not from a local school because I've


I have no idea where to what course I can actually take in the local poly so I was I actually followed my my dad's suggestion cause he had contacts in uh he had contacts in a private diploma


institution okay so uh during my private diploma institution I had no friends because my friends are actually international friends so they leave easily they leave they're not staying in singapore so it's very hard to uh forge friendship with them


also, I I felt I felt alone lah because most of my friends they actually took the they are still in that a-level route and the rest of my friends are actually in local poly so , me being the the lone wolf


in that local, uh diploma institution I think it is really tough on me, but I managed to pull it through and when I got the the and when I got the position in uni I think it was a really proud moment for me lah cause I never knew I could make it in the uni


ya and I think I would be I would be proud of myself again when I finally finish it next year, yeah yeah, yes I want the after after after I get my mortarboard right I want to throw it as high as possible


because !wah!, cause, it's an achievement I need to throw it as high as possible ya


ah yeah yeah yeah eat and sleep


butter chicken


in but this butter chicken is in australia, why why is it nice like why why, is it spicy okay


creamy okay, you eat it with rice or with like Prata okay okay


#kway teow# I already said it in the it earlier #kway teow# is the best, Papparich Papparich yes, okay yes Papparich #kway teow# okay okay


personal finance


ya I think I actually agree with you lah knowing myself, err I've work part time and actually seeing the way I spend money is actually kind of scary, cause uh I'm very excited to buy you know and especially big items


uh with my own money instead of asking my parents uh, to pay for me so I feel like, for getting a financial advisor, who actually uh, uh give me advice and then tips on how to uh


you know save up money or what what others I should invest in my early years so that, uh later in my, like older years like maybe my forties or fifties right at least I won't regret lah, ya but but ya eh but


I also feel like like what you said like maybe after my early years maybe I should learn how to manage my own finance, cause I mean we should know how our our spending uh, and how our how our spending is habits are like ya


and , I mean we can't depend on the person forever we have to always you know what, we always know our self best eventually ya, , moving on how do you manage your cash flow


okay so for me right like uh, since I'm still a student so I actually heavily depend on, uh on our dad and sometimes back then when I was working part time so how I look it is that I make sure I calculate


uh how much I need for my daily necessities such as food and transport, and ya I I try my, best to save but unfortunately that is always, uh, not good lah because


uh, you know how I like to spend on things and get new stuff every time I get my, pay income so uh for me how, how much I I actually allocate to my savings is that I maybe try to save maybe a


okay let's say if my, income is like a thousand right I try to save like maybe hundred fifty at the very least to my other savings account ya which and the the account that I save into the money cannot be taken out so at least I know I have money uh in the future


ya, uh maybe at ya like expenses I would actually prioritise my daily necessities so that I know at least I won't go hungry okay I'll I mean I won't be upset for not getting the things I want but, of course food transport err


all these is very important , uh for insurance and investment okay I think this one, I, can't talk much about it because firstly ya I'm still a student the ones that are manage managing our insurance is still our parents so maybe


now that we are we just reached twenty right maybe we can actually talk to Ummi and Abah, uh our our our parents on what insurance uh actually , , and maybe investment


ya we should also actually start talking to Ummi and Abah what what things are actually very uh, good to, invest in ya because we don't want to invest in the wrong things and then in the future we will regret it


that sounds like a good idea lah, but , I feel like honestly I know nothing about insurance ya I heard about insurance insurance sometimes people will approach me of insurance but the thing is I feel like not many people know where to start so I feel like


, we should be taught about insurance so that people would know what they are paying for because sometimes when, , maybe sometimes for insurance err some people will be shocked that oh how come this isn't paid by my insurance and stuff


okay lah but we have to start somewhere right we have to know like about the basics then after that maybe we can know about what insurance we have to buy ya but overall I agree with you


yes yes


yes yes, uh for me actually okay for I feel like people should know, about the difference between a debit and credit card, you see I bet I've actually met people who don't know the difference between these two and then


what when and then when they start apply for credit card they actually don't know the difference and that's dangerous so I feel that this all starts you know from school where they they teach us how all these finance ah I'm aware that in poly in tertiary education yes they do have this stuff but it's not


something in our timetable for us to learn about it, ya so I feel like they should know the difference then maybe in the future, uh only when they know like oh, I don't have enough money so I think I should get one but they should know the consequences then maybe they should get a credit card because let's face it not not not everyone here is blessed with


I mean you need to reach a certain income to get a certain credit card right that's how it works ya, so I feel like if if you want I feel like getting a credit card card is okay so long as you know the consequences and you know what you're going to use it for and you have the discipline ya so for me I


I I'm like you ah I won't I, I would try to avoid getting a credit card because, it's not your money in the first place and then using it is so scary so I feel like if you see a debit card is always the safest because you know that you're paying with your own money and you don't owe anyone unless you use someone's money of course uh


so a credit card, there are different types of credit card and then there are and and, I heard there are a lot of benefits like of a credit card, err for example like there's there are students student credit card if I'm not wrong


ah for DBS ya and then err I'm not sure about the the rate lah but ya I feel like people should know what they should what what is the safest thing to buy, with a credit card and then if the thing is that if it's like not what for example not what they need


right eh wait sorry, if it's like a not a necessity then maybe they should buy with their own money instead of buying with a credit card like I know is very tempting like oh I can, oh I want this maybe I can pay with credit card then maybe I'll pay it back later but the thing is you might not know what happen in the future maybe your income suddenly just plunge like maybe they cut off your


like how much you're earning ya your salary, or maybe like suddenly there's like uh COVID nineteen pandemic like this uh you might not have as much money expected so, we should always be cautious of what we spend


spend on or if you want a credit card


uh K lah let's face it retire comfortably can, be uh, in terms of physical and mentally like you want to be at ease when you retire not only like in terms of your home so okay of course firstly if you really want to retire comfortably and not


of course the first thing on my mind is we don't want to worry about money so of course firstly you have to, get a job that you like and actually pays you a decent amount that you are happy with, you get it uh, like you want to do a job that doesn't stresses you out a lot and then when you


okay ah when you retire you you get to be like uh at ease you don't want to be you want to be satisfied with what you do, like throughout the years before you retire so that when you retire you'll be like oh I've done everything I want in my life, uh regarding to my career so now I want to explore the things like maybe that I didn't get to do back then


uh, and maybe to retire comfortably you also don't really don't want to worry about your health so first of all uh exercise err don't just sit down there, you know have fun, and stuff choose explore what you want you really want to do in your life it can take forever of course uh like unfortunately okay in in singapore we already have to choose


like for example for people going to poly and ITE some of them they we already have to choose a course that will that will determine our career but of course you can make a career change or maybe you can explore err, err, you can join a new course or get or learn a new skill that maybe in the future you might like it


ya so , uh firstly in terms of physically you might want to get a job that you feel happy with that at least you can save a lot, in your other account then when when you have when you have retired you can at least if you know that you have money and then secondly if you get a job you like you know that you will be satisfied by the time you retire


ya but I mean if you depend on that only that will be very dangerous of course, ya but overall maybe uh


err singapore because like the cost of living is high maybe you want to get a a job that actually pays you well, ya just saying


negative experience, so I was ya I'll start off so first question what is the your biggest pet peeve or what you annoys you the most for me my biggest pet peeve is


when someone is, late for more than hour when we are supposed to meet up at a certain timing I feel like we've already agreed to meet at the time so if you are late for five to ten minute five to fifteen minutes


that's why maybe because okay there's a traffic jam or maybe like the train that has like problems or what and that's okay but, you can't but, the fact that you are late for an hour it's really because one you, it because of like reasons that you can control for example like waking up late or maybe you had other stuff


ya that really annoys because I we choose to meet up at that time so respect, ya not everyone has time in the world you know yes we have twenty four seven but we don't have the same twenty four seven, , the exact same twenty four seven days we had


ya, and that that really really annoyed me


experienced something like this so few months ago I actually got a job at sentosa, then the thing is we have to change into our uniforms you see and the walk from out the the bus the where we stop the bus stop and then


to our changing room right and then you have to walk to our our workplace some furthermore it, it was already and that was only my third day working there and then my friend didn't know how to go to the changing room so I had to okay meet at this timing


then, we I will guide you there I told her come at this timing okay and plus is the third day working you don't want to show a bad impression to your boss or your or the or employers that you already would late on your what third day and that's not good and I was on the first shift I had to do the opening


and and she she came very extremely late like I only had thirty minutes to, to change to to go to the changing room change and actually do the opening, and, I chose not to, I mean okay she wasn't really my friend but


the fact that she choose to be late at the very least she should she could have updated me, ya like I wish she did update me but she should have she could have told me like oh there was a traffic jam or what and I'm oh and I'm sorry for being late, and I told her I already told her like you know this our third day working we really cannot be late because we don't know half of we need to learn new stuff on how to operate ya and that really made me angry


I mean so I'm glad that none of my close friends have done that but the fact that she was really late for something for that's really for something that is really important, that really annoyed me so I I, I mean I told her off like next time can you please not be late like I I get it that your dad send you that is something that you can't control like the traffic jam is something that you cannot control but


, you you know that our shift starts in the morning and there's usually a traffic jam like from seven to nine around there so at the very least we make it an effort to, go out earlier, and the fact that I live very far from sentosa and she lives near she lives in the east I live in the west


that doesn't give her an excuse to be late, ya , how about you like do you have any pet peeve other than people being late


for me actually uh okay thankfully I, I never had a time when a, best friends backstab me, or I can't really remember anything about , how, when my friend did anything back to me but sometimes it can be direct or indirect


so for me it was she wasn't really my best friend but she was one of my close friends so uh you know like back in sec three we were all like after finally after two years in being in the same class we are finally with uh, in the class with different people because of our subject combination right so I apparently actually I thankfully for me I'm


I am close with a lot of people there lah, like I know people from mother tongue class and and, and our previous class, so , I usually hang I'm actually very close to these two girls in my class like the other one she's in our CCA and then the other one it was because she was my classmate last year


ya and then, the thing is, I feel like the other friend of of mine I feel like she started treating me as a second option, you know like for example when when when the other one isn't there she would only come to me ya so I felt like


I was an option to her only when she's not there and I actually, it actually really hurt my feelings I didn't, of course I regret not telling her like face to face but it actually, only start I only started feeling it that way when I was sec four cause it's actually I just I I had a lot of things on my mind like you know like studies uh CCA and ya and


and when I, actually told her about it , it didn't really end on good terms, ya but the fact that she I don't know lah I hope that she's I don't wish the, I'm not really okay how do I say this like ya the fact that she only treated me like an option and then she


didn't really realise it made me quite sad too because I realise that she didn't only did it to me but she also did it to her, best friend also, so I, I was thinking like how how could you not realize that


you only come to people when you need them and that's not nice you know we have feelings too, ya, and just like you I also give advice to her but she won't listen and, ya I


I finally talk to her after, after like we stepped down from CCA in sec four, ya but I actually wanted I initially wanted to cut off my ties with her because she really did hurt my feelings but


I don't have the heart to do so so maybe as of now I just don't don't really talk to her I just, I just talk to her like whenever I say I just say hi and stuff because what's the point of holding grudges ya, ya I mean like we shouldn't hold grudges in our life I mean I hope that she's doing better now


ya, so moving on to the, next question, talk about your worst travel experience so pretty sure that both of us have travel a lot, and


I feel like my worst travel experience, was actually when I went to, vietnam last year, so okay so I went, to, the capital city of vietnam which is [ho]


ah yes #ho chi minh# we were staying in a hotel, okay and then uh the hotel is pretty small but there are two restaurants like one on the first level and the one on the last level so we just go to the last level lah because the the lift is connected to the last level


anyway and it's easier for us to go to , so like we will just , we we usually go to the last level to have our debrief and the and our and to have our breakfast also so uh one like the like on only on the first night we


okay so we all went there and then our teacher just like okay so tonight I want you all to do this like pack all your stuff then he will tell us what to route what what are the things that we are doing tomorrow ya I'm like oh okay sure then we all after the debrief is over like we all just went to sleep then the next day when we went up to breakfast suddenly this woman


who just came up to my teacher and then accused us of not turning off the lights at the restaurant, ya and I ya I I felt like !wow! you just accused us and the thing is I clearly remember that my teacher turn off the lights


our ya and then my teacher got very mad, and then if he say okay never mind, he he even raise his voice he said okay never mind from now onwards we will just, gather downstairs and not make you upset, and then we were like oh okay sure I thought it would end there


but then I realised that the food that we have been eating, was not hygienic because when I saw their kitchen there were a lot of cockroaches, yes, so I I was like you're you're a hotel I thought you you all are taught on how to like keep to keep the place clean so for like the the third day onwards my teacher was like no


no more eating at that at that, uh for last level restaurant all of us will have uh, breakfast and dinner at at different place then I'm like okay, ya how about you yes ya ya ya yes ya I feel ya


okay okay can can then, positive experience


actually I feel, uh I like it when people recognise, uh small things ah , oh when people appreciate my efforts for the little little stuff so like


uh how, I am in floorball right, uh for example I'm actually not really good in floorball, but uh, I actually practice quite a bit , like for example my passing isn't good but someone in my team


actually recognise like !hey! Mai your passing actually improve a lot, and actually they the fact that they recognise my effort like for something really small, that actually makes me smile, or like for example, uh the


for example I did a presentation, and then I did it very well and then someone actually compliment me for it, uh then they say !hey! Mai actually you are pretty good at presenting or something like that that actually will make me smile, a lot cause uh I don't


really get complimented a lot and I'm I'm not someone and I feel like compliments will actually boost my confidence a lot, and maybe another thing that will make me smile is when they remember the things, I've said back then doesn't matter how many years is it ago


ya these are the little things that will make me smile or maybe they remember what's my favorite colour my favorite food, ya, that they these are the few things that will make me smile


ya I could see that


!wow! okay, I have actually actually I don't really I can't really think of the sacrifices I've made but I feel


I'm not sure if this is relevant but I feel like, it was the best decision for me to actually join floorball , because all this while I, both of us were in NCC and then I join student council, but uh I I felt like


if I I felt like if I didn't try something new I will feel very disappointed in myself so uh I mean I had to get out of student council because I didn't do too well in my studies so I decided to join floorball


and actually that was the best thing ever I may not be good at it but it made me very happy because, I don't feel stress, ya like I feel like exercising I I believe I actually I I actually involve myself you know of physical activities right


it made me feel great about myself like not only like in terms of physical lah but mental as well, ya, like I get to meet like, I I I felt like, especially in the year two years ago I was very involved in uh outside floorball


group and then I I, like for example if I was actually very stress about studies but floorball is something that I can go to, , when I'm stressed about and then when I'm there I don't even think about my studies it's just !wah! I mean training can be tiring but is that's the best like that's only thing I'm thinking of ya it was it was really stress relieving


ya, I mean I do get upset sometimes about not being able to play but I feel like it doesn't for me it doesn't matter whether I get to play or not but it's the fact that I actually try finally get try to to try something new out of my comfort zone that was the best part


ya, and I think the next question, describe the best movie or TV show you have ever seen and what do you like about, okay so maybe I'll start first as of now I like I actually now is the holidays right I've actually been


watching a lot of netflix shows okay uh one at a time as of now I I I recently finish watching , umbrella academy, and I felt I felt like the best thing about this show right is that


you see they come from a family, they're all adopted by a father and then the thing is the father, uh, he did not really showed them love, in a way that they wanted so all of them had issues with their own dad


and, ya and the thing is one day their dad just died and then and the thing is they've been they haven't been so long they haven't been to they haven't seen each other for very long, ya they only meet each other at married at at, marriage or funerals so at that one point of time they actually managed to come back together


and they decided to go on a mission to save the world and actually it kind of, it kind of uh tells me that ya as as much as you know family isn't always err, smooth sailing thing, I think it's it's kind of nice to know that uh


your family members will always have you at at your back, you know like all of us all of them had actually have individual problems and actually when they finally get back together, uh , it kind it it gives me it makes me very happy I mean this is not the the gist of the gist of what the show is actually about because I don't want to spoil it to you


but , that was really nice because we have to admit family isn't always like happy happy stuff that there's we surely have a family problem but and then we have to face it but it matters whether we all want to, make it we we all want to solve it or not


[orh] ya


yes yes


ya I definitely agree with you actually ya the the the alas and the last airbender and the legend of Korra it was actually a very good show so, , what so the next question is


, what is the proudest moment of your life


proudest moment in my life, well I actually managed to find out what I love doing so like back then when I was taking As uh, oh no no let's go back to O levels I actually didn't know what to do to be honest which is why I choose to take As


but honestly I wasn't doing well in there like the fact that I had to retain twice uh, that may be very sad but actually the moment I withdraw, I actually, of course I was hesitant to withdraw because I was I was already there for two years and I'm already in my comfort zone so I told myself like okay maybe I was I was just maybe if I give myself a push harder maybe I can do well for my As but


on the other hand, it already happen to me the second time so I'm and I already had this, confident that I don't think I'll do well for my As so I felt like the moment I chose to withdraw and then


I actually choose to enter poly right I felt that was the best thing that ever have that that was the proudest thing I, have ever done in my life, life like I finally know what I want to do, and, I didn't really care about and I choose to just push away whatever people want to say about me like oh look


left am I you know something like that and then she finally join RP and then that's that's actually kind of a bad thing because you know, retaining twice that's not a good thing, but I know, I only I only just finished one sem but I felt I


think I I felt, I feel very happy I mean of course lah it will be better if COVID nineteen wasn't happening but I felt that !wah! I finally know what I, I finally know what I want to do, I felt that that was the best thing in my life, it took me three uh


two two three years, took me three years to finally know what I'm doing but the fact that I willing to just leave everything behind for that past three years and finally move on, that was the proudest thing and I the fact that I have friends they my my friends from MI they weren't


they were, okay I wouldn't say they were happy, but they were sad that I was leaving but the fact that they actually uh they supported my decision and is and they actually stick with me through that and, I still keep in contact with them that was I felt very happy also I mean my teachers in MI they were they were quite hesitant for me to leave because they weren't really confident that I would definitely enter poly because I mean by the time I I left MI if I still had a few more months to chill before poly start


but they were hesitant like are you sure you want to withdraw now maybe you want to withdraw once your A level results are out, or maybe when the poly results are out but I was, I was confident and I ya I was determine that I'm like no I really want to leave now and


ya I felt proud lah but like for for once I actually had something, to ya that I wanted to do ya


uh ya it's running again


okay okay okay personal finance okay so , and today I'll be talking about personal finance with


ya okay so , I think this question is interesting should I DIY or get a financial advisor to plan my finances I, think that for someone


I'm I'm still a student so and I've yet to have a full time job but I think in my early years after like securing a job eventually I would want to get a financial advisor to plan my, finances because uh


first of all getting a fulltime pay is very exciting, I mean, you agree right is a first time getting like a salary and then you get to buy whatever you want with your, hard earned money but I think that


uh to get to get the discipline to actually manage your own money will be quite tough especially in the early years cause like I've always heard my my teachers and my, my, mentor saying that you know planning our finances in the early age will get you a head start especially when you start working so


I think I will get a, financial advisor when I work at the at the very start for at least like maybe five years I'll check on my discipline uh definitely but maybe after a while once I'm used to it then I'll slowly transit out of that phase then I'll try to manage my own expenses ya


for the future uh


like for me like, ya like I'm still a student and still but I think I kind of feel the heat, uh like I get, I got the heat from insurance because like I dislocated my knee twice so I


you know in back in, in twenty sixteen and only recently last year, and uh, although I don't have to pay monthly for the, insurance I would say that it it it is of course worth it to get insurance cause


uh having the second time you know dislocating the same knee again I had to go, for operations and then had to go for physiotherapy and, like uh the first time I got, I dislocated my knee I didn't really feel the heat cause uh every time, I went for physio or doctor appointments it will always be covered


by uh, by the insurance and plus I was still, under uh under, I'm I'm still a student uh so technically everything was paid, for me but now I'm twenty I kind of feel the the burden a little because like uh I do I do get pocket money every month from my parents right but like uh it's not a lot but I have to ensure that I have enough money to pay for physiotherapy and doctor appointments and like it's not it's not


that expensive but for student like, me I I still have to be disciplined ah to set a a, a good amount of money so to ensure that, I can go for my appointments, and therapy sessions, ya like my, my physio sessions like cost twenty eight at least every month if I have a session for that month but like


ya it it kinda it it does suck a little that I have to pay for it but like then again insurance really did help me for my, you know injuries and everything else so like, recently, I did have a


insurance session with I forgot which company, ya but like, I did talk to them and then they said that uh while I'm still a student is good that we also look out for opportunities that to have like, our own insurance there's actually like a insurance just meant for students I think you only pay like less than twenty a month and I think that is like very beneficial for like


our our friends of our age like they're doing GrabFood, working part time at, I don't know some warehouse ya like uh like insurance to to to some people it might be very expensive but like for our age I think like it's good that we start early so that we can get the feel of it you know


like good, one good thing is that insurance for students is not it's it's not that expensive but it does cover for your uh injuries and everything and I think that uh we should recommend like the student insurance to, our friends who are working especially those GrabFood doing delivery so just in case they get to an accident at least there's something to cover that you


ya, there's a lot of accidents nowadays everything, ya, I think


like it's our responsibility to sorry ah it's our responsibility to actually one teach ourselves about insurance and, I think we we really have to know what we're signing up for , I think it's good to have like, a mentor or at least someone whom we know that actually knows well enough about


insurance ya so so that, we won't get, scammed I'm not saying that, you know paying too much is good but paying, like too little is also it's also, bad but, it's also our responsibility to ensure that we know what we're signing up for lah is is kind of important


to have, insurance you know at the very least, ya like I'm so glad that I have like under my parents I have insurance because otherwise the MRI scan that I have would, cost a bomb, at the very least it covered half of it


no I mean, like now is actually like you know due to COVID there's a lot of


like online web, online sessions or webinars that actually do talk about how we're supposed, to manage our money ya like I like you know I volunteer a lot right so like , they always send in links on like , the opportunities for us to attend these kind of sessions like


I would like to attend, but usually it does clash with my own personal schedule, so then again it starts from us like if we want to get insurance then we will have to be responsible enough to find out what kind of insurance that that is provided, out there you know ya yup okay so I think


the next question right do you think one should own a credit card I think this is interesting because for me personally, I don't want to own a credit card because uh I feel that I don't think I I can spend recklessly and I'm just scared that I'll go over the line and end up having debt you know and err to really ensure that I keep my spending within my own


means I think I'll just stick to a debit card, instead like even though even though after I like I even if I start working and have a financial advisor I think I'll just to keep just to have a plan B I'm sure


I just I just not want, to I just don't want to get a credit card because like I I don't know lah but like you know, you see all those shows about, spending money and everything half of it starts from, owning a credit card and then then just shopping without


having a thought you know


what advice would you give to someone in order to retire comfortably you know it's funny because I'm still a student but I cannot wait to retire already is tiring living in this world , but like I think, this is something that goes


along the way and, I don't know lah as a student I think it's so easy to save money but now my savings is, ya I I doubt myself quite a bit like I do have plenty of money in my other account but like you know with the like my with the pocket money I earn every month


I already find it difficult because, err like first of all I still need to pay for my physio then then I would like then I need to buy food then like I'm I'm not got savings lah, I I wouldn't go savings lah but it's things that this pandemic that I do get to save a lot more


money because I don't have to travel, but, my spendings increase due to the amount of food that I, that I have ordered, you know that's a sad thing, ya but like uh to, retire comfortably I think it's I don't know what


do you think what what would you do in order to to give like what advice would you give to someone in order to retire comfortably


sometimes we don't really get the blessing of wanting to do the career that we actually wanted to it's, difficult lah because first of all we need we need financial uh security and stability in singapore


otherwise you won't be able to survive so it, so I think that for so, I think that's the the most important thing, but I think when I retire ya I would definitely want want uh I don't want to worry about money but I think my idea of retirement would be that I'll be able to do my own


hobbies you know like for example I like drawing and painting ya maybe you know in when I retire I want to be able to draw and paint and then maybe just sell some of my works you know with no worries and everything cause I mean, like the arts scene in singapore can be quite shaky sometimes you know that's that's something that I would really wanna spend my time doing my retirement


you know just chilling painting the rest of my days until, you know I grow old everything ya but I think yes definitely I save for retirement, when we retire I think definitely the the money has has to be there in the first place you can't just you can't just retire thinking that uh it's okay the government will give me money I have my CPF ya


, definitely yup ya, uh but then, like I don't know lah, ya (uh huh)


hopefully someone can hire me after I graduate


first they are not responsible in the first place and, and I feel that you know, people who are who are usually like that, like like to me, I still don't mind waiting but I think that if you don't update me, I think that that what's that what, that's that's the one thing that annoys me the most like okay you already late and then when I text you you don't answer then then you are just waiting there like so is he going to come or not a waste of time you know I really dedicated like this timeframe to just go out with you and everything then you decide to come late and then you just smile like


nothing happen ah then then I don't, I also don't deal with that kind of nonsense you know ya


I don't like people who uh, feel I I, how do you say this like I, I've always been like in a, group of every every every clique that I've been in ah I've always end up, being the the, person who gives advice ah I


don't know why but I don't mind you know because like I I don't mind being being uh being, a listening ear you know listening to your problems and everything, and I do know when and when not to give out , my opinions or give advices you know when they just want me to listen then I'll just listen but when there are


times when they actually ask my opinions on like you know certain things and I actually think through, and and explain to them then they end up, doing the opposite thing of telling me uh of whatever I said and then they come back crying that is not my


my cup of tea you know cause I feel that what's the point of me, as a friend giving you advice then you just don't listen to it and it's just not the first time and they come back to me repeatedly I mean there's a reason why they are my friends they come they come back to me repeatedly and like and then


and then they just cry then I'm like okay I get it you have problems in life but like you keep doing the same thing and you if you expect a different outcome from that then isn't the problem like you you know and , one thing that as I and I I've always


just wanted to see to have like you know just what what, why don't you just listen to me for once you know like I get it that I'm not in your shoes but like you keep telling me that you do the same thing and then you come back crying is like, I get irritated also lah like like


then what's the point of me saying my opinions and giving you advice when you just don't bother listening to it like like sometimes I, I actually do question like am I really a friend to you you know it it does hurt my feelings and I think, that it it it it just happened so frequently


right that out of, nowhere I just wanting I just choose to not associate with that person anymore I don't even talk to that person anymore because just like, cause I was just like so, annoyed like like, what's the point of me saying the same things over and over again then you keep on and then and then


you just don't bother listening to me so like, it was just because of that one tiny thing !wah! that really made, that that can actually push me to the point where I just don't want to talk to her, anymore you know because I just felt that I wasn't being would you say respected ya I just felt that uh my my my opinions my my advices weren't valued by that


person so I just choose to like, you know forget it I I, I don't I really don't see the point of talking to you, anymore for like you know I'll just leave I really feel bad but like it really took a toll on me because like !wah!, having to deal with the same nonsense again and again it is not, it's not funny it's not fun and it just make the entire


entire friendship will also ya it is just, it will it it ya even that pet peeve really make me end end, ended a friendship with someone which also kind of let me let me to the next leads me to the next question you know what about the time that


your best friend back stab you how did you feel how did you react to it, you know I wouldnt say uh like like backstab like like a really bad back backstab but like uh I think that one time , I just felt


uh betrayed or rather, upset with her decisions you know because , like uh out of nowhere like I said that I I already gave advice and everything right and one day I did tried to confront her about it like you know what's the point of me talking to you


when you're just not gonna bother listening, to me and my you know like just a tool to to you or something and instead of, you know explaining her side she got, angry, and she assume that I wasn't happy for her, and then I'm like why would I not be happy for you you know like I've always


just wanted the best for everyone I really don't see the point of being, jealous of like someone's happiness or success because like I know that my time will come you know so , that was just really sad to me ah that she said that my own best friend said that to me like I was just really upset and I didn't know


how to feel like I think, sad or upset was isn't just enough I just felt my my heart just felt super heavy when she said that to me because like out of like, I'm I've been, I've always been helping you and then you just decided and then when I actually talk to you about it you just come to me and said that I I'm I don't want the best for you you know that really uh


made it worse you know, and I just felt really crappy ah at that time because like for someone who I, I really treasure you know close to my heart plus uh I believe I be friends with her first since secondary school and then we moved on to together to


uh tertiary education if I just felt sad sia I almost !wah! for, for once right the person, who I really, you know treasure in my heart the most just didn't just said that, to me and then I for and I, didn't have like someone to talk to my problems or what because


like I my circle isn't that big so when I when I, when I found out that she thinks of me that way !wah! it was just so sad, and I and to cope with that I did I, get myself busy lah


and like and I'm glad that I found like uh a new, group of friends that actually do treasure me ya ya I just hope that I don't go through something like that ever again cause like I just don't want to be disrespected


anymore ya yes


#ho chi minh#


so far like travel experience has been very positive lah so I think we'll just move on to the next question so describe a time where you feel eh no describe the moment when you feel that the world is against you so I think I'll just go back to secondary school I think


ya lah it's our rebellious teenage moments everyone just feeling too over emotional over something but I just felt that uh especially in sec one and sec two I feel that every like the world was really against me lah even, whatever I did was just wrong to them and uh


there's just didn't seem right in their, point of view like was was really crappy lah but I do understand my my behavior, wasn't the best I feel that I should I shouldn't have been treated that way and my opinions do matter too you, know like


ya I just felt I just I just felt, that uh that the world was against me because like my my opinion wasn't uh valued and whatever I felt like what what, whenever I say something like about my feelings they just like you're just overreacting people always say such things and that kind of hurt my feelings because


like like ya no matter no no whatever I did uh, to that person or whoever I just feel that no I still have feelings too you know you should you should consider, and ya, I was just a very depressing uh


time for me ya because I I don't even know what depression was at that time but I, I I just didn't feel like doing anything at that point you know, like whenever I try to explain my point of view, to the other party they would, always view as like I want to win I'm I'm gonna argue so that I'm they will listen to me but like it's like I'm not until I'm just trying to explain my point of views and they just kept on


pressurising me to just give up, and let them win you know and I felt, that was just so upsetting, lah because like how can you do that to me you know I have feelings too and like, at least let me talk and just hear me out you know, ya I just I just felt so down lah at that point and it it wasn't just like my own group of friends it extended to other people whom I don't even talk to


and then people just viewed me, uh negatively ya, and and, I just didn't want to do anything in that point of time, and you know people just didn't want to understand me and my studies just dropped I had to meet the teacher


and everything like thank god I didn't have to meet the counsellor though I I don't I got I don't know what will happen to me, if I had to meet the counsellor, but I had ya I had I even had to go for parent teacher meetings like uh after and almost after, every sem uh no or is it term I think it was term


ya and uh people, just viewed me negatively when like, ya it was so difficult for me to stay positive at that point of time because like , everything I did was just like wrong, and !wah! I


I now thinking back about it I have no, idea how I pulled through that you know cause like !wah! even I got scolded from my parents and saying that I need to get my uh I need to get myself together you know like like


like you shouldn't care about what people say but like how can I not care about what people say when the only things I hear are like negative words you know, ya everytime everytime, I say every time I do something like eh she trying to do this uh eh she trying to do that, I'm like what what you then I said what like I feel like asking like what do you want from me then like everything I do was so wrong then like then if like if you're really not happy then just say it like directly to my face lah like like you know the word I I I and I think because of that I


came to hate the face showing, attitude I've never really understood that face and I I, I still hate that face up till now because showing it, attitude, I can't show attitude but what what they're showing, attitude mean you know and uh ya


I just I just felt, like the world was against me at that time you know thirteen to fourteen year old, student just not feeling confident about herself ya I think that really jeopardise my confidence level, uh


ya ya I just I just felt sad , oh


why I mean I'll be talking again about


positive experience so I think let's start off with the first question, like what are the, small things that always make you smile, Maimanah


I think for me is reassurance, you know like uh I think for myself I'm I'm pretty clear on what I can and I cannot do and I tend to get anxious whenever I do things that I don't think I have much confidence in you know like sometimes you know uh convincing someone to do something like especially in games you know like oh uh convince this person to be able to give this item A to you that I'm not very confident in these kind of things but like you know


when you talk to someone and then they reassure you that you know is okay is okay you're doing just fine it it kinds of it it kind of, like relieves my uh, anxiety a bit because like


what are they thinking am I doing this right and , am I actually uh doing this the correct way and then when someone just like like just gives a like a pat on my shoulder that !hey! chill man you know it you're doing just great to do whatever you're doing we we got you you know ya these there are the small things that always makes me smile


cause I, I've always been seen as a , confident person because like, what what I said earlier I'm very clear on what I know what I can do, and of course I will always show the side of me that, I'm more confident in but like you know is the is the is the close friends that always notice that ah #aime#'s not not feeling not not not being herself but ya let's give her that small push so that she can uh do better ya so like these are the things that that that makes me smile cause like


I do appreciate it and uh honestly I I don't think I I've thank them enough for it, ya cause it really really uh gives jut me, a long way in, life especially because ya, when I don't just when I just don't have confidence in myself that little boost helps me


a long way and I'll probably remember it for the rest of my life yup okay so what, are the sacrifices you've made that worth everything, !wow! this question I think a bit it's quite deep lah but I would say uh


uh I think you know that I have a passion for you know drawing and, painting since primary school, right and it's something that I set my mind on since then so okay lah I don't, think is a good example about in secondary school I just didn't want to study because of that because I just don't see the point of studying things that aren't relevant to my passion but


ya but like now I look back at it, actually it does help help with with life you know like math and science and everything, does and , you know our parents weren't too happy when I wasn't too, I wasn't like doing, well in my studies you know as compared


to to the people around me ya and, , that that sacrifice kind of made uh my parents a bit you know, I don't know what's the word for it but I don't think they were too happy with me at that one point


and I wasn't the the the best daughter lah, at that at that period during secondary school but like, I think that having that that talk with them you know just to give me a chance to pursue my passion, like ya I took O levels


we both took O levels right and , when I (ppc) sorry and when I didn't do too well I had no choice lah but I have to go to ITE you know and , you you I can see the disappointment in our parents face and


to and but then , I did pursue my passion, and one thing that I, I sacrifice was that was that disappointment, not being a good daughter to


when I went to ITE interview education I really excelled in what I was doing you know like you know I I was I was busy with student council, and I've been, I have been present ya I've been presenting uh ITE, uh I've been representing, ITE for like several competitions ya it was just like it was just I was just happy ah for that for that few years because like it's like


!wah! after so long you know like not being not being like, the best daughter I was finally able to prove that my passion was worth pursuing and it just made me feel happy and it was just not for myself but you know seeing my parents being able to to see that


what what I love what that I actually love what I was doing and it din just stop there, I continued to move on to volunteering as well, and I wanted to actually you know give back to society and ya I think that was just worth it you know because like it was due to me entering ITE that I also


discovered my passion for volunteering as well and, and now I've I am like I just don't I don't want, to do just designing but I also want to incorporate designing into the volunteering and voluntary experience that I have so far, and I do hope that uh


my future career will be able I will be able to combine two two of that you know ya how about you


okay so for me I think the best TV show I've ever seen would be the avatar series no every everyone would just say uh it's just a cartoon and everything but actually, right when I, rewatched it again they actually address so many issues that our society is currently facing you know like


I think if you watch the the the legend of korra and, whereby there are there are, benders they are non-benders and there was like, uh such a, obvious segregation into society obviously the benders have a higher uh, placing in society because they're able to do things that non-benders can't do like oh they can still make fire out of nowhere and they can just you know fly in the air


for no reason and then suddenly they out of nowhere you can just have a building that comes out from a, and then, non-benders are just people like us you know they have to do physical labor we just sell things, ya and I, think that uh the treatment in society actually made people uh made the non-benders angry and


uh when I watched it again I wasn't, too happy with how uh they handled it because like maybe you okay I'm we have we are not benders but like, the, non-benders had something you know to protest about because like that they weren't given fair treatment like just because someone can do something I can't does it mean I'm less human you know


and , people just brushed off the whole thing like that then I'm like ya just because it's a cartoon you know I don't know why society play such a big connotation with cartoons but like, , I feel that you know we do see that that treatment in society you know especially with like the black lives matter and everything you know just because of like the skin the color of the skin doesn't make someone less human


and and, that doesn't mean they they can just treat you know people however, they want you know ya I I I think, that was just a a really good show, because like it kind it kind of like uh made me think


about so many things in society and, like and, I was just fascinated at the fact that they were able to show these in a cartoon show without you know extreme violence or extreme cussing and if we were able to show we we can just show it to our to like you know kids without them feeling you know


too make without making them feel like burden ya I just think, it was a great show overall and in terms of the animation the characters and the story line I think everything was just really great ya, I just I don't know if there's a show that can talk


like avatar for like both, like the legend of aang and the the the one with korra ya they might they might have another shows but we don't know the netflix adaptation maybe not be as good but ya it was really the best TV show that I


I've ever seen ya


proudest moment okay so I did mention earlier, that I didn't do do too well for O levels then I had to join ITE right ya it wasn't, a smooth transition you know being an express student and then suddenly I have to go ITE there's like that bad


uh, image to it ya many people uh people people say ITE it's the end is the end but honestly here for me for me in ITE it was the beginning, ya but like I I also had, that bad image of ITE you know like especially in our year two thousand sixteen !wow! ITE west had like fights and everything and it cause an uproar especially amongst all of the secondary school students like uh ITE's like that you know so I was super hesitant to enter ITE although I


knew that I would love what I, what I was going to be studying in that school you know but, that transition from not wanting to go to ITE it change to I love that school not just because of the school but it was the


environment there, that really made me happy like, I think I just I, think I was proud of myself for breaking that ITE stereotype, you know people think that ITE, that students from ITE are very lazy they don't have


like like uh they don't have a goal in life, but like, I was just proud of myself that, you know we shouldn't just hear whatever people have been saying you know like because like especially secondary school


like is not just it's just the is the teachers and our friends that kept on saying that, ITE is bad ITE is bad but like when I finally went there myself I got to experience that !hey! they are not that bad so why are you saying that I all ITE all


the ITE students are bad you know so , from like like from that, from that position of I was ashamed to be in ITE like like I still remember like the first few months I would always wear a jacket to school because I didn't know I didn't want people to know that I was from ITE to to just like you know I don't care I'm just gonna show that people that I


that I am from ITE and , ya I was just proud of that because like you know sometimes you have to be the change that uh, we we want to be, and you know like I don't want people to keep on thinking that ITE people are just like lazy they they're good for nothings but so I decided


that you know I would go out there, and you know actually make make a change you know like, it wasn't just me also got few of my friends who actually agreed because like when we went out there when we volunteer, or when we help people right we would we would always uh


do our best and that make us and that actually make make us very happy because like, you know uh the, the the vendors will be very happy with with the, the the, the passion that we are giving whenever we have been given like a task you know ya so I


think that was just uh the proudest the proudest moment, for me lah ya how about you


ya like I mean


it must have been tough right because like for me I already knew what I wanted to do since, primary school so like uh when you say that you don't really know what you want to do for the rest of your life I I don't really, relate to it because I've always had the passion since young so like, ya


kudos kudos to you though because like some of my friends still they they are already done with poly but they still don't know what they want to do, with their life I mean it's not wrong but like you know, being able to finally find something that you want to do and dedicate you know your passion to it is like is it feels awesome just for once you don't feel like you're doing things for the sake of doing it you actually want to give your hundred percent in whatever task you've been given in your especially when you're doing something that you actually


like you know ya, then , I think for me ya, like like it it feels it feels nice lah that I finally able to do things that I actually do want, to do in for the rest of my life !yay!


I answered the first question first K uh personally uh I used to have a savings account but uh how to say ah, K because right now in NS it's a bit difficult for me to uh keep track of my spending ah cause


I'm not sure when I go home or when I don't go home and stuff like that so I tend to accidentally overspend, you know uh and sometime


eh no actually I have a savings account but it's just uh somewhere I don't or cannot like uh take out money from yeah so I don't see that as an account cause I don't take anything from there, yeah but in terms of the savings account where I can just take the money anytime


uh don't have ah okay K can uh second question yeah I have a I have a debit card and, it's a POSB one eh is that is that allowed to be said it is right okay uh and