I think that's important actually I realised to the edge as you as you go to different street stages of life, as your needs and once actually changes there are different credit cards that are more relevant to you, like for example actually ya when I started out I had quite a number of credit cards I think it's the I think is the attractiveness of being able to charge


you know uh to a credit card and all that and not having to pay at at two at the end of the month for example, so I think when I first started our I definitely have more cards than I do now but you're right I think it's it's very easy to fall prey to uh mirror mounting debts if let's say you have more than say two or three credit cards and


I think for me also it was fault when when I first started out as you when I first got a job and I was eligible to apply for a credit card I had a few to my name and then I realized actually I don't need all these credit cards because you know they do charge annual fees


so I also think that at some they didn't really not worth it to keep because I don't release or you know charge to them and I'm just keeping them in my wallet, so I realise too that later on it was actually just it's very important to make sure that the credit cards that you keep with you


you do have uh they are you use them for certain targeted spending lah for example I have this one the POSB everyday card that I use because it means getting a petrol savings at SPC, and then my other card is actually citibank because of uh you know affiliations to the shell


petrol station because I have a shell petrol uh station near my place, so I think definitely it's ya as you age I realize it's not to ideal to have too many credit cards you your name and I think I keep it also because of so in case for I need it for emergency for a rainy day for example


if let's say there's like you know anyone of myself or family member gets a warded in hospital and you need, that you know upfront like more, cash on hand I think that that's very useful to have so I tend to keep my credit, cards only for emergency purposes although it doesn't hurt to


ya like it's very easy to it it really helps me my online shopping on occasional days as well, ya oh


ya actually I did that before as well , I'm guilty of that too,


but do you know that they make it very easy to apply and get yourself approved for a credit card nowadays I I, I find it's actually very easy everything can be done either via phone, or online they just need your consent to I think just do a background check and just make sure that ah your credit rating is fine and all that and I think they will just mail the card to you mail the pin uh to you and all that actually you don't even need to physically go to a bank


uh to fill up a form nowadays actually everything can be done fire online or even via call, so actually I find it's quite scary that you know they make it very accessible I mean I uh uh you know I mean if let's say someone it's it's very easy I find


to get access to uh money that is beyond actually what you can afford, ya ya,


when was the last time you got a card, before the advent of the internet, I mean ya now actually it's very easy to get a card and and I find that you know going I mean not only cards you know a lot of banks nowadays they have loans as well


so they have like easy credit ah citibank has some you know some loan details ah and I find it's actually type it's like once you are a credit card customers that means I have a a card with DBS I have technically I have access to the loan facility as well


and I find that you know it it's actually quite easy to get a loan in that way, uh ya they make it quite easy which is actually good that they're pros and cons lah I think, definitely it's it's it's a pro if let's say you need like you know like I said earlier access to money like very fast for example like someone get hospitalised and you need a deposit that example and all that our need to settle the bill I think that's very handy but I think on the flip side it's actually very easy to chalk up


debts if let's say you are not careful in terms of how you use the extra extra the money in terms of the loan that is being granted to you lah, ya yup ya


definitely and I think if let's say you take out a loan with a bank, the likelihood of me cutting my credit card with the bank is very low because I still have that loan, a link to the bank like you know for example ya because I'm still servicing my loan right so for example I take out ten thousand loan and I'm still servicing even if you technically I don't need a credit card and I want to trim down on you know my credit cards the likelihood of being cutting that particular credit card because of the existing loan


it's close to not lah is really you know there's really no chance our service the loan until I'm done then perhaps if let's say I want to cancel the card because it's of no use to me anymore or relevant then I'll do it, ya ya


ya ya, that issues, do you have a joint, account with your husband, yup (mmhmm)


also you chose to split it that way rather than deposit a certain amount in a joint account is it, (mmhmm) (mmhmm)


so I think it's a case of you've come this far without having a joint account so why bather opening now if let's say you guys are both fine with the current arrangement lah, ah okay okay, can


actually speaking of paying for bills right I realize credit cards now you they also make it they they there's also a very there's also assumption some credit cards that actually offer you uh perks if let's say you pay your bills through them


that means right if I want to consolidate let's say I have a credit card and I want to consolidate all my utilities bill my phone bill, uh you know whatever other other my like internet bill for example if I charge to one credit card, apparently there are some banks that actually offer you some further discounts or you I think gain points or something like that lah


ya so I think that one is is quite useful it's just that, some honestly I kind of prefer paying my bills straight from my bank account, because I'm a bit worried if let's say I were to cancel certain credit cards and I'm not aware which, utilities are tied to that right


then because I don't really keep track like okay so I pay this from this credit card I pay this from this credit card I think it's a bit of a worry if let's say the time comes if you want to cancel that credit card and I realize there's actually a bill payment that's tied to it and I forget about it and you know it will go into a real


ya so I find that it's easier for me to pay bills straight out or failure to for for it to take out from my own savings account lah I think that's the safest, yup


ya and money goes out then then after that you are left with just whatever little you can for expanding in all that, eh but your current card is it like you know cashback point or mouse I mean it it are you on any of these at the moment


points is it, oh so if let's say you want to cancel the current card you might choose cashback lah


why ah can I ask, (mmhmm)


ya yup


ya and I find it encourages more spending , because like ya, ah and when I check like when I look through if let's say I'm prompted that my points are expiring soon right so I go and look at the catalogue of points


and I realize actually I mean there are there are really very useful things like NTUC vouchers you know that everybody shops NTC but I also realize there's like stuff like swensens vouchers or like Best Denki vouchers courts vouchers which actually at currently right I don't


need anything from courts but the likelihood if I were to redeem it for twenty dollar courts voucher the likelihood of me they need to top up its it's is rael lah I mean what can you get for twenty bucks at courts you know, uh ya so I just fine actually points


I realised I gravite and if I I do have a card now that's on points so and I realized I tend to gravitate to very uh very functional things either NTC vouchers because I knew I will need to buy some grocery at some point, time or is petrol petrol vouchers because definitely I need pump petrol uh you know regularly


so I don't go for like you know Best Denki or like you know uh, ya a real voucher and all that lah, ya more practical but I think you're right like cashback and ultimately is the


it's the most uh practical, because you you you get it back in cash and then deduct or future bills and all that, ya ya yup


yup, ya I I realize that that's true as well miles, but I do, have friends who probably travel more like they have family overseas and all that I think those people uh that that that profile right they definitely see value in getting miles


because you know they they do you they do fly quite a bit and all that and , ya I mean it's so eh I do have friends who actually miles is it's very important for them lah to gain miles but, I think ya for me personally it's uh I prefer cashback definitely first points you have to rank points second and then miles will be the last lah


ya ya correct and ya true true ya (mmhmm) ya yup but


that was more was that more that means your company's preference or your preference because I know some companies they do specify the bank uh account by which they need to credit your salary too right


oh okay, okay (mmhmm) i'm


oh okay okay I know DBS they also have a multiplier account actually I'm on that now whereby if let's say if I'm not mistaken if let say you credit a certain acts, the amount of dollars into your DBS accounts is like you get preferential interest rates lah


so I I think that is also quite useful because definitely I kind of hate it because my my salary is credited into that account every month, uh and then notwithstanding my you know I I also have DBS credit card, and and all that so the the the monetary value definitely I


qualify lah it's just that uh you know it's just that I think it's it's quite useful lah the multiplier I thought that is also quite a good, account if let's say you want to explore, DBS, ya but I I okay honestly I use DBS and POSB interchangeably


ya and then you know we have ya but that said right I realize I also have a separate savings account to kind of just park money out, from you know every time you get my salary credited I just want to put aside into a savings account that I don't really touch


and then that just I just leave that aside I know I know there's like insurance and all that lah there are other things that could possibly meet but I just want the like you know easy cash accessible to me at any such time if let's say I need to, and I I do that with another bank so if let's say my my primary


account is D_B_S or P_O_S_D, I will do that with art and doesn't means you O_C_B_C or stan chart


okay negative experiences okay I think I have quite a few of this, first, some reason I don't know why but ya I think for this uh gym remember the time that


I wanted to talk about food panda, the time when they delivered our dinner like a two three hours late I think, so did you remember what happened I think, you and and and rusia came over over a weekend


and then you know you wanted to order dinner, uh we we went for a swim downstairs right, and then I thought okay I know it's the weekend and I wanted to uh order first like order early on to avoid the evening


a dinner crowd right and then also I thought okay fine you know I I think I ordered like about five each definitely it was before six, so it was about five ish and then I remembered we ordered a dishes because it'll be added like like a few dishes and rice acting


and I remembered like we thought everything was fine and all and then you know uh, it came like I think initially what happened I think I went to check on it I keep checking my app on what's the latest, and then I think by then uh our dear niece was uh getting quite impatient and hungry


and cranky and I remember like you know calling, calling foodpanda and asking about the status and everything and, and I I just I okay I can't recall because I think this was like couple of years back but, I just remembered like getting a lot of excuses


eh and then like you know, uh ya I I honestly don't know what happen and then after that it kind of like I just, know that with each call or with a message I just got more frustrated, I just got more angry and annoyed and irritated it was all the bad emotions that I could describe and then by the time that you know I spoke to the manager or supervisor


they told us that ah oh , you know I I don't know what happen actually was it the restaurant was it the driver was it what but I do realise that actually this type of food delivery platforms are they do although I know that certain


certain situations is actually the restaurants are to blame but I think you can't uh exclude yourself from the responsibility, because technically the platform that is being utilized is their platform, uh you know I just thing you do have a duty to your customers to ensure that that that ah prompts service is delivered


but I recall that even after speaking to the manager who was polite enough I guess but, but you know he I I just thought the whole thing wasn't handled very well, and then I remembered what I remembered what what was I think really to me the straw that broke the camel's back was when they gave us oh I think


I think they they refunded the whole cost of the meal because I think they didn't have a choice cause I was curious by then did we find out the whole cost of the meal actually they gave us a thirty dollar voucher or something, but it came with a minimum spend of doing like forty bucks forty or sixty dollars actually I was thinking how is that you know customer ah service recovery because


technically you should be giving somebody a voucher without any conditions attached you shouldn't be making me spend like sixty dollars just to get a thirty dollar discount, padding so I thought the I think, what I I, I mean you know I I remove myself from the app and to this day I don't use foodpanda anymore and I honestly I tell this story to everyone that heartbeat whenever people ask me


because you know I'm notorious for not cooking writes everybody knows is my colleagues and onto this and they know I am you know I'm a firm believer of delivery and occasionally now grab, because I do have a great account and then everyone ask like why did you go to foodpanda and all that then I say don't you mention the effort to me


we was to, ya it's like you know to me is like don't don't even talk of that that particular platform because, you know I mean I just find it's like ya it was a bad it was a bad experience and their service recovery was also very bad


uh I hope they have improved lah I don't know but sometimes it's you know, it's a bit of a random thing I must say, I do have the occasional skirmishes with, deliveroo and grab as well but I think their service the service recovery is much faster


and and much better so that's why I don't mind because I know I mean you can't get perfect service and you know the product all the time, so that that is totally understandable but what I do not like is when you know you your service recovery is also lah I think we


I mean probably one last customer doesn't make a difference to them but definitely I do go around telling this story and I don't, I don't really like means my words when it comes to them, ya, did you buy anything recently when you had a negative


uh expires, ya which is quite scary actually


oh it but


so that means the description was deceiving lah they they kind of it was a very bad, I do realise, you know I shop quite a bit on online platforms right like shopee, and I used to shop on lazada until they had, quite a number of issues with their privacy


you know all the the the the, what do you call that data thing and all that so I I now shop, ya all the data breaches and you know all that so I I shop of shopee and I do realize that I think because some of the sellers are actually either china based and all that they do a literal translation of what that item is


which makes no sense to me being a non chinese speaker, uh you know they they do they they sell hair ties likes crunches, and then they put there like intestine don't know what you know that kind of thing because, because, cause I think it is a squiggly thing or I don't know it it boggles my mind on why become some intestine tie and don't know what


but, I do realize that sometimes their the way they the way they market right actually their description is way off you need to kind of look at the products and then need a need to like make sense of it yourself because like what you said, I also realize that clothes right


it's for some reason sizing is way off, even if they give you a size chart, uh you can be ordering like you can you know you can yourself be religiously taking your measurements and all that but, I realise when it comes is like you know this is something that a twelve year old would probably be able to wear rather than me


ya and because they are located overseas right I don't bother going for a refund, or what because sometimes the refund process is very tedious and it might take ages to, get back the I don't know the the twelfth also dollars that you spend on the top lah


so that's the thing sometimes I find when you you when you shop online right you just need to be a bit more ticket with a pinch of salt lah and I think always order like two sizes bigger,


ya, but ya


ya ya ya do you know that you do that with bishop a lot on carousell also right because, honestly I think you know having cats we do realize there are a lot of things are nice we don't our cats don't eat and what and then we resort to selling them online so I do understand the plight of like other pack will


nurse whenever they are the animals don't eat certain food and all that so but anyway this particular product right that I bought I wanted to buy actually was actually a new cover from my handphone because you know my my samsung is quite an old samsung right it's not the latest model


so it's not really like you don't get it a lot online so I manage to find a seller that apparently sold the same uh cover that I was using sort of quite attached to that particular cover right cause I thought it was very handy and all that so I was chatting with the with the seller lah so I said like you know


uh everything was all right and then I ask is this a genuine samsung, cover, so the the chap said yes yes it is and everything and blah blah so I said okay fine and then he was located at tam pines at thing so it was very close by


so I decided okay lah fine so one fine day I think I had some time so I told him okay I want to pick up the item at his place right so I went over and he turned out he was like a ten year old kid, , I kid you not okay it was a boy that came down and then there was like oh okay and then I I went to look I say can I have a look at the cover first lah


and because I was using the exact same cover okay, as the one that he was selling as in the way he advertised it was the same one right down to even the colour it was like a goldfish champagne kind of cover, and then when I went to look at it know I was like oh and then I I okay it's a good thing was that he he I asked


whether he minded me opening the box and everything I said okay okay the box felt different ah from the get go the box felt different because I know samsung's product I mean you know when it's legit authentic the boxes article and is more sturdy and all that actually box was a bit flimsy but I thought okay never mind I'm gonna look at the product itself and then I open up right


and then the you know wear wear samsung was supposed to be endorse on the cover and then at the back and everything right, there was nothing it was just a plain it was just a plain from like, champagne gold colour yes


but it was like, any other I could have gone to the HDB hub with one of the mobile phones sweatshops there and actually gotten it for like a fraction of the price you know, so than yes as a jenewing


ya he was actually marketing it as a genuine products and, then I so I told him I said I'm sorry I don't mean to make it difficult for you I don't need to be different customer but actually I don't think this is genuine because I said I was using the exact same one until a tour after like I didn't at least two years of usage kind of thing so I say I don't think this is genuine you know then he couldn't like


I think being a kid also actually I didn't want to bully him into you know like I I, then I say I say I'm sorry but I think this is not genuine you know then he was like oh is it, then I said ya I said I'm so sorry I say I won't be buying it and I kind of just walk away I felt sorry for the kid I don't know whether it's his or is he buying it did he come down on behalf of a family member


but, I told him lah I I'm very sorry that wasted your time but I'm not getting because it's not genuine as actually I was using the exact same one and they had the set the word samsung and boss at the back of it, and I said this one didn't have any , I can't


I felt bad but I was like I'm not gonna part like with my heart and, cash you know for something that is not genuine and not something that I wanted in the first place, ya ya


I know right and I can't in good conscience if I had purchased without checking I can't resell it to someone, also and I can't, tell that person that is genuine when deep down I know it's not and other people may not believe me also, and I you know my reputation is at stake as well you know we sell stuff on carol sell


as well and you know I we have good ratings and all that so I was like I'm talking to, I'm not about to you know, have this one things while you know like like ruined it for me lah, but I oh ya ya ya yup ya ya ya


oh no, ya ya ya


ya but actually actually I'm sorry but you was the scapegoat in that really after that, your experience with that I doing there I mean not that I bought, my face products actually that was one of the first few I don't I don't really buy face products online because of that experience


after that because I figured ah let's just do it the normal way I mean chop at the boutiques oil DFS, you know at when travel was still permitted I think that was at least you you get the authentic stuff you know that you are buying you know it at, at something on dividend but


of course paying a bit more lah, but actually, I realize right a lot of a lot of cosmetic products right, actually they are being so rapidly rapidly like shopee lazada and all that and actually I wonder be


because they do claim to be the official store you know, they don't claim to like clarence I know I use clarence still right, like face wash and all that they do use uh they do have official source, on on uh shopee also and I wonder if it's you know


if it's legit is it like products there's going to expire, but you are right lah you know when you talk about that kills face wash right, I find that they are the the the non genuine ones is like really they went from handbags into like the expanded their scope


to also cover face products because the difference right actually the packaging is very negligible you know uh you can't really tell with a train I, ya you can't, you can't tell but when you actually use it


uh the thing is that because you, when using the genuine stuff right for awhile so we kind of know the texture the smell how for meat is are known for me and you know stuff like that how it leaves your face is it like very tight, after you use it very dry feeling or is it comfortable


I think that's when you really realize you've been tube lah, ya I think, ya


oh, no I think eh, ya and just scary is what if you give it to somebody with skin conditions or you know sensitive skin you know that, I mean I think


it's gonna be like you know it's it's gonna be quite embarrassing lah I you know to find so I I do realize that certain products right, I think uh what I'm a bit proponent of buying stuff online, certain products I just not meant, to buy uh you know I I just not meant to buy online lah


but that said right, ya ya


ya and I think reviews ah, like what you said you know reviews are very important to kind of nudge me into either buying or just going on to the next seller, ya


I gave I gave a bad review what for that, because I think we have a duty to inform, uh you know people who are buying it after us, to kind to said, uh you ya lah I think I would stay clear with a ten foot pole lah this particular seller


but that said ah I've been on Carousell because okay let's say I I'm on the lookout for my SK two uh you know the physio essence right so sometimes when I go on Carousell and then I go and look, uh I go and and search and browse you know listings for for that particular product right and than


I I I don't know whether I'm like naive or what but sometimes right whatever the person writes like if let's say the person is able to write, okay like to say that oh you know I bought this I was gifted this but I don't, these days and all that it's actually they have a valid reason I'm actually quite open to buy an action there are stuff that you turn out all right you know


like ya correct I I ya, eh but then again ah have also met you know there's this person who was selling I don't like that I told you this person who are selling handbags


basically she would publicise authentic bags you know that means you you the photos as upload ah the real genuine bags and then she would sell like, fake ones that means when she shows up, to kind of meet you to deal right, she would bring ah not the like she will bring another piece that is not genuine


and, and I was I was quite lucky because I I think I didn't want to buy her bag for some reason or whatever and I realized that the same photo and she has multiple accounts this is scary bit about Carousell I find you can open multiple accounts


she has multiple accounts and I saw another similar posts than all that, so we would we were talking with a few this one [oh] okay finish already (ppl)


okay, Kretika you want to start with the obvious number nine I think you have a lot to say for that one,


I think it's our genes ah probably, I realise we, actually I realize we do fall weight easily but we do lose weight if you if let's say you are disciplined about it we do lose weight quite easily also, and I find it so I find it's really the jeans somehow because I think like you you right mine also like come and yo yo we have like you know if let's say we have something to work towards I find that I'm very disciplined if I let's say I really want to lose weight


I will die die kind of lose weight, I will die die watch what I eat i'll exercise and all that but, ya you are right lah it's it's something that throughout our whole adult life, actually adult life lah when we were young we will not ya we didn't have issues with wait you quite skinny


ya quite lah come we think our wight oh ya yup


ya it's very hard to book especially the peak periods IE like after six o'clock, or twelve of let me during lunchtime twelve to two definitely very hard to get, or like six onward six to eight maybe you can get an eight thirty class but it's super late if let's say you


I have not eaten dinner, and then by the time class is done at nine nine thirty right I think I will faint ah seriously, ya that's why, which then ya ya that's why


, ya the ya yup okay also


he sold you using deadline is it, ah ha ya I think is true ah ha ah ha okay okay yup (mmhmm) (mmhmm) okay


so you rolled yourself up and down lah basically, , two weeks so you went only two


sorry sorry three sessions over two weeks, oh but ah ha but


okay okay but then again I think your three sessions over two weeks, was also because your body needed time to recuperate in between sessions lah because, you want to active right before that, ya ya


and then but you persisted, so why did you decide to persists though, if you so scared I mean what made you continue, ah ha ah


ya that's true, ah ha okay


so it's like circuit training ah, okay ah ha ah ya lah ah ha okay is it the


but is it the same trainers across the different sessions, ah ha okay okay


oh I see, okay okay ah ah ha (mmhmm)


oh I think also, but you do you do go for the very early sessions right before you start your day, so I guess it helps you are like up and awake and then you just change and then you out the door


and then after the session then you you have your breakfast, and all that lah your first meal for the day,


ya actually it's true lah when you put that right it's like a sense of perspective like you really just need to spare forty five minutes I mean give and take the travel time towards the place and all that, but it really just sticks only forty five, minute plus a bit more, to kind of you know uh for all the benefits that you read like


you know all the heals and then of course you weight loss, I think you know your body definitely goes through a transformation, ya but


(uh huh) and they don't hard sell also right I mean what's your experience like ya, (uh huh)


(mmhmm), and the membership is transferable across the different branches cause I know they do have quite a number of branches uh arable singapore right


yup, (mmhmm) okay (uh huh) oh


oh I see so the good thing is that they do have that option lah, oh okay okay


ah okay okay okay, (mmhmm) okay


but do you know how it compares to other gyms, like did you do any research and how does it compare to our moray and stuff like that, (mmhmm) ya (mmhmm) ya that's true yup ah


okay okay, really oh


(uh huh) yup, ah okay that's quite interesting, ya but they're


I realise eh forty five is known for that lah actually if you ask even if like uh I was, talking to a friend of mine who is not a member of forty five but she also knows that the the ya the sense of, community is quite strong, and you know so it's it's all the good things that you hear about F forty five lah for sure


ya !whoa!, over a space of wait how how about how long did that take, ah okay


(uh huh) okay so


so now is more sustain limit for you is it, are you (uh huh) oh


ah okay okay, yup, ya, ya lah ya (uh huh) until me ah


okay okay can, ya I think I think you should lah actually but then again I wonder whether after you reach a certain point like you said if you, don't go every day it gets quite costly, uh I just wonder whether ya if let's say


you have reached that ideal stage whether you can do on your own that means you you kind of the sustaining part right you just make sure you need to just keep active, but not have to rely on the gym or what lah you know like you say go out for a job or what everyday that time, (mmhmm) ya that's why ya (uh huh) oh okay eh


speaking of which right did you know that virgin, they actually exhaustion fitness actually even goes beyond towels okay they actually give you provide you with like workout, workout a tyre at their ya I saw and I was


quite amazed by it I was like !wow! so you actually don't really need to bring your gym you need to lug your gym clothes around everywhere you know, you just basically everything is provided for you just show up and then after that you just chuck it aside for them to do the laundry like that's the best part ever right


ya all tights, you know like you,


probably lah but I think I, I think for virgin F forty five the good thing is that I find that they have multiple locations and they are quite near residential they also have outlets near residential places because I realized some of the other fitness chains right they are located in town because it's near officers and all that but


because the current situation is that we're working from home, I wouldn't want to travel all the way to raffles place just to go for uh a one hour session in the gym or go and attend the zumba class, you know I would rather just travel like ten minutes to downtown east, and then you know attend the class lah


so I think, ya accessibility it's definitely uh important in that sense, oh is it


but you guys don't don't go for the same sessions ah, (uh huh), oh so you can describe the the which like what you do at each station lah that time eh and ya


okay uh I think we can start with, ah question two, do you have a credit or debit card, ya so for me right I only have one credit card so I used to have several credit cards ah so now I only have one because I thought you know it would be


better for me to control my finances, but, the thing about having only one credit card, is that you are limited in terms of offers ah, from different shops right, so for example like if I wanted to get a package and they only have installment plan with POSB and I don't have POSB credit card


then that becomes an issue ya so then you know obviously then you know I'm good to you, and ask you to do you have a credit card added that particular banks that I could tap on, ya so the reason why I chose my particular credit card at that time was because they had affairs with stores like giant ah and NTUC and I thought that if I and even a es so so I thought that if I could you know if I go and pump petrol or if I buy groceries


then that would be something that I could gain points, with, uh but ya lah I mean that's that's the thing it's very limiting uh to have only one but the good thing is ah I feel like my finances is more under control


with one credit card, uh


at that time it was only because of you know the fact that I live very close to giant so I thought that I would do most of my shopping at giant, ya but, turns out I don't shop at giant as often, as I one too so uh I guess now if I you know once my credit card period ends I might not renew with this particular credit card


ah maybe I'll go to another one with something more practical like cashback, yup ya ya


I think let's say for like like my husband, so he will get, credit card depending on what offer they have at that particular time so that for example like the promotion is free luggage or you know, then that it becomes a consideration for him to get that credit card


and whether or not he uses it subsequently is another question altogether, he may just keep it for the limited, ya he was just , I for me personally I think it's a hassle to have to go and sign up for a card you know and then with at yes you received that freebie but subsequently the having to remember to


cancel before, you are charged and your fee ya, okay oh oh ya it's true


maybe I shouldn't you shouldn't have shared this with me, , I always thought that good or getting a credit card would would be the usual you know feeling a form and as an exciting it send it across, obviously very not sometime ago


yes ya ya


ya I think similarly with UOB they also have like a slew of active and uh of of uh services that they can provide you so for example like my card is with UOB said it from time to time someone will call me to see all recorded from UOB your beliefs so and so would you like to take up a personal loan


to settle your bill, separately, and then later on the you know but I realise that you know at the end of the day you are paying two things I mean uh interest rate charges aside lah your you're paying, the loan, to settle your credit card bill and also your existing credit card bill


ya ya ya I


I think this is also why many banks give you that option of zero percent interest installment rather then it keeps you tied down to them for longer, and you have the type and if you have the card you are likely to keep spending on that particular card, ya no


so either this is one of the question so the couples who combine their finances and open a joint account ah I personally don't think because we don't have any children, uh I don't think we should have ah joint account because I think we can both manage our finances separately


uh so when we purchased the house there were some things like renovation loan and all that so we charged to, to uh let's say some charges were to my account some charges went to his account and then what we, yes correct


so what we do is we came together and then we decide to keep you know total for renault load is five thousand dollars this charged of his account so we divided over x. number of years and every month I transfer him as certain amount for that loan


that particular so we we sorted out back and in that sense as opposed to have a opening a joint account where the two of us can charge things too because I think when we uh got the house and other worst still not married


yet so we didn't think of opening up a joint account and as of now because we don't have kids we don't see it as a necessity, because you can still keep our can't separate and then chip in, to whatever needs to be chipped in lah in the house


yes yup ya, but I think at the end of the day you know if you have a joint account to pay things like bills and then certain loans for the house I think that's okay


, ya but if the two of you can figure out you know who pays for what then I don't think a third, account is necessary oh ya yup ya ya


perhaps you keeps keep track of your spending also because then money comes in that then you paid bills you know this bill and that bill and that bill and at the end of the day you know that amount is there for you to spend and save,


for necessities, ah, ah it's on points by current card is on points ya but if let's say I were to be given an option I would definitely go for cashback


ya, yes, uh I think then you know, it then gives you like discounts on further things so let's say I spend now with cashback for later right and then you know that gives me the option of you know deducting that from future expenditure ya because I'm go just going to spend anyways right on that card so I might as well get cashback because


I feel points you, never know because, what what you can redeem the points for is always very limited, I feel ya, ya cause you never have enough points but the things that you actually want


ya yup ya


more practical things lah right, ya yup ans also like I think miles especially


now where the once will want to fly and given the current situation with the pandemic I think miles, uh it's not good to be useful, anymore, ya at least for this point in time lah but I know now like for example uh krisflyer they give you an option to you know to retain your mounts and all that


uh but I found that having miles what what it was useful fall was buying christmas presents because you know I'm not going to be able to redeem the mouse anyways, ya so I just converted them to using to to, buying christmas presents and then I got rid of all my miles basically


ah and ya ya that's true okay


ya same, I think because we don't travel as much as we'd have have me oversea, is ya so I think miles will be, be right at the bottom, if we ranked the three, ya but


so for example like for savings accounts right let me going back to number one like I have to savings accounts, ah like what me POSB because that's what we all have from young I don't think I'm not even sure if anybody know cancels a discontinued their POSB account ya but I both to OCBC because there was that you know option of crediting your salary and then receiving


a certain amount of interest for that that was ya no but


this was my preference because at that time OCBC offered more competitive rates ah then POSB for crediting salary into the savings account y so that's why I jumped ship by also know now that uh POSB has now counted with a bit more attractive


rates to credit your salary into it, ya so I ah I might look into that and then see whether or not I want to, jump ship again and then maybe curse may OCBC account and then just have one savings account and then one


ah credit card account, oh okay yup


this is with POSB is it for DBS, okay, ya yes correct that's they're practically the same bank okay okay that's useful


yup yes ya yup


and cranky , yup ya yup ya ya yup ya yes yup


so offended is not bad word, yup


ya, yes uh


I think burst the deliveries, cause now we shop and lot online right, which is quite scary as correct cause I think there's always the issue is sizing


ah ya so for example like the time I bought the cat litter box, you know and obviously you know a bit it states therefore cats but more appropriately it should have returned you know it's more appropriate for kittens or like smaller pets because you know when you really


I in a rush to buy something I ended up buying that too little boxes that are much smaller than what our cats, yes ya, yup ya all the day yup ya ya ya yup yes ya


ya ha and ya I think one thing that you had taught me also was also to always look at the reviews, ya because then you know if don't buy from sellers who don't have, many or any reviews for they better


ya so get from more reputable sellers uh with positive reviews you know especially about the sizing and whether or not they will honor exchanges and things like that, ya so I think that that is very important, yup ya yup ya yup ha yup yup (ppc) yup yup cause original


and he was selling it expensive because he started it as original samsung cover, ya (ppc) ya ya ya ya


ya I think it's good that you checked first I think that's the thing with buying things from Carousell I think the option to always check, first ah ya is very important because otherwise you end up, buy something, I mean like what you said lah you could have got got walked away with the box only to end up later you know with a non original cup


ya ya yup ya


I think this reminds me of that time remember you went on lazada and bought for me the, a Kiehl's facial wash, oh my gosh that really opened my eyes to the level of counterfeit there was up there so you don't remember


I showed you the two bottles right they looked exactly the same, I mean except for baby like point colour you know or like font sizes of certain words but really done to the ingredients and everything it's a direct replica


of the original Kiehl's facial wash so what actually gave it away is the minute you use your, you use that on your face, I think there's there's she she develop plastic it's just overwhelming


and then I was like oh my gosh and then you don't have that had a bit of the original calendar facial wash and then you you compare the two and then consistency wise and the smell it was just, very different and I guess there was like it was selling a such a in a more attractive


a price range her than that the original kills store, ha ya ya


ya especially when you're putting you on your face and like in your mouth, ya


parallel import , yup yes ya


exactly it's slight colour differences only, ya exactly yup ya


you can you imagine people who have not used it before so for example that using it for the first time right and what if they end up using it again and again thinking this is the original, you you don't worsted if the gifted the somebody then that somebody has not used it before


and then you have to just like oh you know this works this is good for my face not really knowing what goes into the product, ya ya I agree


and I think I mean like official stores right maybe those ya maybe those you can trust but I think otherwise if you don't you don't notices like, grammar mistakes you know their profiles I think those are big red flags that were his shiny we need to look up


ya ya, I think like you said you know that time the the the Kiehl's one subsequently they had reviews right or people say that you know this is not the original


ya ya ya


I know what you mean I think we'd Carousell mindset is that it's second hand, if you let your guard down I said rather than buying from a shop it turns out to be something that is fake oh my god !aiyo! ah that's really scary


, ya so uh okay so


throughout my adult years I think weight loss has been, uh uh quite, a significant aspect at least quite a significant topic for me because you know again and I again weight very easily so over the


is it blame it on the genes, ya ya yes ya right


were quite is currently when we were young, so I think this is because first problems like access to you know things like grab food in grabbed it into other delivery options now especially making food so convenient he don't even have to leave your house and get activity in


ya so like my friends who have been with me for years right they always say my weight loss journey or my weight gain journeys always in its extremes say if I lose weight I lose a lot of weight and when a gain weight I gained a lot of it also


ya so I think it twenty twenty what changed it for me and I tried many gyms so what others open gives you like a moray and fitness first where you have to book classes and then you know they give you access to all the equipment


but I realised that the classes are always difficult to get into, that's number one, yes, correct ya yes


ya and everything is closed anyway except for fast food, which then defeats the purpose of your going to the gym, ya so and then you know with me I don't know how to use a lot of the equipment so I keep going to the same treadmill or that the bicycle


you know and to me it defeats the purpose cause I can I don't know how to use the weights I don't know how to use a lot of the, the like equipment other than what I just mention so it I feel you're paying for a membership and you're not fully utilizing the space


ya and I hinted that I bet I stopped going to any of these and then uh last it twenty late twenty nineteen one of my colleagues introduced me to F forty five, because he was trailing at F forty five and you know what struck me is he told me what if it only took forty five minutes of your day


we choose three percent, of your entire day what if that just putting effort into that forty five minutes, could make a differents, ya correct he said what you can only took you forty five minutes


ya so then it because, you know every time I go and take a look at F forty five videos online right it's always very intense and it scared the shit out of me because prior to joining F forty five, I hadn't been active for I think close to three years


ya and I was at my heaviest at the end of twenty nineteen which is eighty seven kilograms, ya and then that came with a lot of health problems you know like my niece were hurting our spending when I climb the stairs us feeling very lethargic all the time


so then I thought okay you know why why not go on the trial, so they have a very convenient trust are like two weeks forty nine dollars, right so I decided to go and and died on my first session at the first session wasn't even cardio it was awaits session so strength training


which is supposed to be relatively slightly easier than cardio, but after that session, I couldn't even climb stairs so I had to look for rammeds you know or like lifts and escalators whenever I plotted a staircase I had to u turn back that was how bad it was


I couldn't even like yes correct and didn't help that I had to go to work then said it was uh it was I was just in pain so in that two week trial at only went three times


yes so I paid forty nine dollars for the two we tried and the two week tries is limited you can go for as many sessions as you want in the day but did they tell you you only need forty five minutes lah and I understand why because it that forty five minutes it's so intensive, right that


you feel like you are done for the day, still recovering from the pain from


ya, I wasn't active in it like two three years before that so after the first session I needed like four days before I could even think about booking a second class, so actually after that two week trial I was quite traumatic


ya but I persisted yes correct so then, because I had a friend who was willing to join me for the sessions and I figured you know if you can have someone there as a buddy accountability buddy


that perhaps that will help, motivate you to go for classes and motivate you even during classes ya so, and, and after that even when my friend dropped out of the classes I realised I enjoy going for F forty five because of the format you know they had this tag nineteen trading life changing


so everyone is working out within that specific type like you're all doing different exercises and then you'd be pre convict you move to the next station and the next to shed the next station, but at every station ah in second trading but every station right there's always somebody with you about the at least two two


are one of two other people with you so you are doing it together so in a sense you push each other, the, and at the end of the forty five minutes everybody's just exhausted, but you know there's that sense of achievement that you went through


the paid and survived, as a good, ya so than, that I think, basically we formed a fitness community in that space and I think that's what I really like about it and the trainers at there are to you know correct your form


to push you, uh and because it's always the same trainers at the usual timing so they know you they know your progress and they can advice whether or not you can go heavier you can go lighter you can still push yourself a bit more, so it's really become like a family in that sense


uh yes so okay so the sessions are so much so that, a cardio days are on monday wednesday and friday, ah and then tuesday thursday and sunday ah a strength sessions so mainly focuses on week training right and then saturdays are one hour hybrid sessions so the trainers come in the same trainers come in at the same timings


ya so for example I do the seven fifteen class, so is always the same trainer more or less at the self fitting class ya so in a said, they follow you and the follow your progress and it really is a convenient


forty five minutes I feel because you, you burn, but a lot of calories during that time so easily between three hundred to five hundred calories in that forty to sixty minutes and then you're done for the day, and I I mean I like getting it done in the morning so that after that I can eat


you know I can ya because I can't for me I cannot eat before working up so I have to get it over and done with before I worked, ya, yes so seven fifteen classes


ya ya, ya then I seized the day was at work and when and where else that is to do for that particular day ya so I think the


fact that they they promoted as that oh forty five minutes is all it takes I feel that, to me is you know, eat something ya ya ya


and I think because like for F forty five it's really anybody can join from like beginners to like those people who are like, bath you know and muscular because they have different weights, available so it's really you don't have to be lifting heavy if you cannot live lift heavy at the whole idea is for you to


progress and you know so like no they don't high sell, because let's say you sign up upfront right like a six month membership, and then they just deduct from your card every two weeks


ya I that aside from that you know if you want to continue you continue if you don't want to continue you just tell them you're stopping, ya so it's it's a it's very convenient in that sense because they're just make the one time payment upfront and then you know I'm settled for the next six months I don't even have to think about it


ya so right uh I mean with F forty five is a franchise, is based on a franchise model so every F forty five most F forty fives are owned by different owners


but they, ask some owners hope let's say, (ppc) they have like, anything from two to five studios under them, yes and usually those with multiple studios you can jump studio ah at a fee


so for example downtown east and tampines west it's affiliated because they have the same owners, right, so I can go to tampines I because I'm a member data east I can't go to tampines west at an additional five dollars a week for example


ya but the thing is most F forty five our own differently, and typically you go to the one most convenient to you cause you know you're you're encouraged to go a lot of these in a week


ya so I finding something close to home or close to the office yeah I guess that one is, what will affect which franchise you visit lah, ya, but I must say it's quite pricey, so the price factor is what drives me to go as often as I go so I being about seventy dollars a week


and I fink I used to go only like three to four times a week, but I realised then that would prove to be pretty pricey, so now I'm going about six times a week, ya ah I think we


amoy right it's I this I I feel the value for money with F forty five is that I know how to use the trainers are there to teach me and I get to experience different exercises so I'm using all of the equipment, whereas amoray and then fitness first I


really pain but I'm not really I mean first and foremost I cannot get into classes that I want and I, I'm not really using the equipment, fully I'm not utilizing, most of the equipment and to be honest if I'm just going to go on the treadmill I might as well go outside and run for free


ya so I mean in terms of value for money I would think at forty five, I feel is the most value for money because you get that sense of personal training because the trainers are there you know to coach you


but, and you also get you know to use all of the equipment, and there's the the good thing about it is the variety, because every days had different workout, ya and I think the sense of community because at any one day all for it F forty fives around the world are doing the same workout


ya, so no matter whether I'm in the US or the UK or abu dhabi or india, you know at the end the vent right everyone on that said today is doing this particular


ya so there's that sense of effort the F four forty five community worldwide, and that say you have the ya so since I stared F forty five I had


lost twenty two kilograms, so I lost, what so one year, so I saw I was eighty seven, and then after that I think sometime in october I went down to sixty one


and then I bounced back, because all the year end celebrations I'm now at sixty five, ya so eighty seven to sixty five in a span of a year, I think


I still want to push myself to lose more, but at the same time I know that it's not just about losing so I mean following F forty five right, I really thought that to lose weight but I just need to do cardio, but I led through F forty five that actually weight training helps in weight loss because when you build muscle your muscle helps to continue burning fat


when you want at rest, ya so because I also carried heavier weeks now, with F forty five, right then and building muscle so my weight loss isn't as significant, because my muscle is also heavy in that sense ya so to lose weight and gain muscle at the same time ya is is very challenging lah so that's gonna be a bit of ups and downs there


but because, I recently just signed on to downtown east was previously with Kovan, so my membership with data east is the may, yas untill may ya, so I still have some months to go, lah but I think i'll continue ya ya ya


so I think my plan is to continue to F forty five until I have reached that say my weight goal, alright and then after that I will, try my best to sustain on my own, ya you know whether is like going out for walks or jokes and running and I do have weights at home


ya, so that helps but I think for now I'm very happy with F forty five lets say at downtown east I think one of the reasons so is because they have showers they have two shower facility, is, which I feel is super convenient especially if I need to rush to work right after


and then, I mean the difference between a five coven and F forty five data east was that downtown east provides workout towels so I don't have to bring my own towels, to the session I literally can just walk in, and that's why exercising


ya and socks also I saw saw my one of my friends was that, ya ya


but even socks and I'm so amazed you know that socks and then like shorts and T. shirts they really provide everything but I think, but I think that price you pay, for that I think it's are all included in the price so basically you're also paying for like laundry services


ya ya ya ya


so actually after I joined and I shared my experiences with some of my other and a few of my have also joined, F forty five, ah nearer nearer to the has ya so you know now there's that sense of community in the office also


because that, no we don't go for the c because, everybody is at different outlets, ya but we still can talk about it because we all attended the same class, ya


ya correct so at least then there's still that oh my god did it was so tough and you not your friend who attended at another outlet can still relate to your experiences, ya so I think that's the beauty of that community the community things really really helps in sustaining ah ya the the positive behaviour


part one finance, hi uh


okay


ya I think oh mine is DBS actually oh gosh okay ya mine is DBS uh what about yours what which account are you,


actually it was more of like my parents' idea so like actually when I was younger they they already started like you knows creating account and like making me save like they helped me save lah at first but then now because like I'm a little older right so they just pass the call to me to


like you know they tell and they like told me to like you know maybe start saving and everything so every time I have like excess cash and all just put it in what about you, why do you have like prudential I mean the more like popular ones are like actually DBS POSB OCBC but why do you choose prudential


yeah exactly yeah but


focus interest okay, okay honestly I'm not really sure about like the interest rate for mine so ya lah this this this kind of like financial stuff my parents are kind of like settling it for me but actually recently I started on uh this thing called stashaway actually because my friends have been like quite into it


stashaway it's like some like investment thingy so weird okay ya so ya stashaway so basically they just said that maybe I should start investing my money, cause they say that stashaway is a rather like safe platform or something I just trusted my friends lah so yeah so it's what


ya it's an app it's an app it's an app, I guess lah that's the rough idea but stashaway apparently is quite like good so yeah maybe you should try stashaway


yeah, yeah anyway my question to you is , do you actually have a credit or debit card I mean I think you do right I mean we hang our I see paying with your card yeah


, on what on what things do you abuse it on, yeah


I got my debit card in eh I think one year ago like one year ago I got my debit card one year ago and at first, at first I thought like !whoa! debit card so cool cause can like tap on the


what's what do you call that cashless payment right you can tap on the the system thing ya paywave okay which is up which is which I thought I will be using a lot after I got my card but actually no eh because, after I got my card I found it quite irritating cause it I don't know if you you understand this but for me the back card right


uh whenever I put it together with my ezlink card and I try to tap in at the you know the what do you call that ah it's called eh it's not transit okay basically a tap in thing to go into the MRT right eh the gantry yes the gantry thing like it will it will disrupt the


like they won't allow me to go in cause they will say like error or something and then I'll get so annoyed so one fine day I just decided to just use my blue colour card I just continue using my blue colour card that's why I don't really pay, by paywave now I always use nets like always nets, yeah I don't I don't know about you yeah


yeah


actually I don't really know how it works eh actually a few, days ago okay maybe just last week I just suddenly was just using my phone lah exploring and everything then suddenly I saw apple pay I was like oh my gosh like maybe I should just try to put my card inside but till now I haven't used it yet so maybe I'll use it soon [loh] maybe I should


but I use like paylah and paynow much more than, those apple pay and those paywave cards


yeah maybe,


yeah get what I mean, okay , okay maybe okay give me like a few seconds to think maybe you can start first lor what what about you do you if you have a girlfriend in the future will you combine your finances and open a joint account with her


yeah, necessary


I feel like maybe I should, okay maybe I should ya I think I thought of it before so I was like discussing it with my partner and he was like oh maybe we okay actually wasn't really my idea from the start so when I was talking to him he was like next time just put our money into this like joint account and all then next time if there's any like bills to pay


ya bills to pay or like let's say a family outing or like those special like family events then we use the money from there but then apart from that I feel like we should also have like our own personal savings account right so ya we should have our own personal savings account so


that's for our own personal use ya we shouldn't feel like we shouldn't rely on that joint account lah that's all,


, yup does okay maybe I have a question right now what about do you have any like okay so let's say in the future if you have a child do you think that he or she should be given an ATM card


and like maybe at what age would you give it to them if yes


yeah,


(mmhmm)


I see, if I had a kid I would give my kid an ATM card but maybe the blue one like just the blue one I won't like encourage him or her to


uh, change to the debit card the black colour one at such a young age you know, ya maybe maybe maybe at like twenty, okay maybe about around my age then I will just okay maybe you should change your card or something but then ya I do agree with you that technology is so advanced now so in the future like last time in our primary school canteens you see like only like literally you only can pay with like coins right you don't even have notes you only have coins one dollar seventy cents for me


and then when you when you go over there there's actually like no technology stuff to, pay your your for your food right, but I think in the future ya definitely lah everything will develop now all the paywave things all the cashless payments is already on the rise lah so everywhere I go there's definitely cashless payment


yeah maybe I'll give


oh why did you lose it


okay,


understand , okay so do you know that like okay you know some people they say that the bank interest rates


are unattractive right but then some some some others feel that their money is safe and accessible in banks so like with this would you rather save your money in bank or invest it somewhere and yeah maybe that first,


yeah, I think sorry


for me I feel that initially I was thinking !wow! I have a lot of friends who who are who have started investing in banks you I mean investing already you know I don't know what they are investing in stocks or like things like stashaway now right


so I decided to join them because I saw the like the result the end goal I mean I saw the , result of them investing right so I was like okay maybe I'm pretty interested maybe I I should just go try but then ya I feel like there should always be a ratio that there should always be a ratio right so maybe for us at this age we should be maybe ten percent we should invest ten percent of our money


and then maybe the ninety percent , our spendings will definitely be like seventy right, seventy so the other twenty should definitely go into our personal bank I mean in my opinion yup because it's not like we have a lot of uh cash right so


I think that that's a safer option so maybe as you grow like maybe for me stashaway now I'm only putting in maybe like let's say a hundred dollars a month but then next time when I go out to work, first year in maybe I can put in like three hundred or maybe if I'm earning let's say two K I'll put in like maybe three four hundred some three four hundred a month yeah then the rest will be bills okay bills maybe I don't know maybe my parents might be


still paying for me how would I know but yeah not so sure just like ration out your ya ration out your money and plan yeah definitely


and then it's like , yup


yup so


yeah yeah, oh my gosh okay last question okay not last question but just a random question if you receive let's say you strike like lottery or something what would you do with this money what would you do what's the first thing you'll buy


okay then maybe you found something you found like a million dollars on the floor what would you do with that money


and why yeah, yeah


yeah, I think I think similar to you definitely one million dollars yes man I will spend it first I will go on the like food feast I will hunt and like eat as much so ah buffet definitely then I will okay but before that maybe I'll deposit my okay half of it will definitely go


into my savings or investment yeah because if you put it in your account the money will go right make sense and yeah it will benefit in the long run definitely of course all right so I think


mean the moving one right


part three negative product review ,


oh my goodness, !wow!, I'm not so sure I actually don't really have a a bad experience with bubble tea that's why I continue drinking it actually


yeah , I just love every part of bubble tea but maybe okay maybe if you want me to say like one bad thing about bubble tea that would be the price because, bubble tea is not exactly very cheap either you know like a average price average cost of bubble tea is like maybe four fifty right four fifty right unless you go for the


the student deals from sweet talk or something eh no from sweet talk oh my goodness if you go to sweet talk and buy from those Mamak shops or liho student use two dollars only two twenty max, for bubble tea but generally it's about like four dollars right so that is almost you can almost buy like a mcdonald's meal with that right


or like a KFC snacker box which is, why I say that bubble tea is actually not that cheap but I think in general, bubble tea is just I would say it's life no kidding it's not life but then it's just super yummy it's just it's just something that I really like to unlock indulge in so yeah


what about you okay let's say if you do not okay what about you I don't wait do you have a bad bubble tea experience or like what's the worst like food experience you've had if you don't have the bubble tea, yeah same


, okay


, yeah


yeah, yeah yeah


you didn't finish the pizza, yeah for you at that time


yeah


pizza hut is okay to me I think pizza hut is not bad , for me okay but I think I have started like preferring domino's I don't know why but I kind of like domino's right now for no apparent reason but actually okay maybe's maybe a pizza that I would wouldn't wouldn't have so much difficulty describing would be saizeriya's pizza so recently I went to saizeriya and


I purchased their like hawaiian pizza by the way I love hawaiian pizza with pineapples okay I love the pineapples and the it's just the whole combination is just amazing for me I always get that it's like my go to also so the saizeriya's pizza nice very good like the crust is okay honestly it's quite thin it's like a biscuit


and then when the pineapples are hot because you, only can have it like there right you can only have it there right, ya you can only have it there but then there was like one time ever since they started like delivering uh saizeriya I think last time they don't have delivery right I'm not so sure but they didn't used to have delivery okay


so yeah I think so there was once my friend like got me some saizeriya pizza and it was like super cold , like for I don't know why ya like you know like similar to you the box was like hot but then the pizza was cold and then sometimes when you put like the food there for too long I don't know why it gets like a bit soggy plus I ordered like I think my friend ordered via grab food


so yeah I think the the grab food person took quite long to deliver the pizza to my house, yeah for yeah so it turned out like pretty bad yeah it was a sad experience cause I really like pizza as well but then it just turned out to be a bad experience plus that was like a mini birthday present I guess cause my friend knew that I like food so yeah


yeah sad sad experience but it's fine what about okay now I have a question for you what is the, country that you travelled to what is the country that you travelled to but this like like it was like not very enjoyable to you, yeah that you travelled to


okay yeah ,


yeah yeah


okay, yup


okay


yup (mmhmm)


for me


!wow! for me I think it would be , !wow! that's that's quite hard, okay for me a overseas experience would be vietnam okay so my last travels was to vietnam with my family and over there I really don't think I'm a big fan of vietnamese food I really do not like there


like noodles or whatever like I'm normally quite open to trying food but then I just really didn't enjoy vietnamese food for me but I think you might like it okay another thing that I had there was like steamboat okay so the steamboat there was, interesting I guess because okay so like they outside the stall there there are like there is like a lot of food lah a lot of like uh food for you to choose from so they all like put it they like put the sticks the sticks in and all then they will just tell you like okay you just point which one you want and all so like


I don't know like to me I just really don't like steamboat and the food there was just meh to me, I guess so even when I had like the steamboat there even though I was like open to try everything but it just didn't taste good to me yeah, and the rice okay I don't know vietnamese people uh they actually have this like in vietnam there's this I don't know what do you call that uh what's that ah


I can't really remember vietnamese food it's a vietnamese food, it's like some rice like some noodles thing, yeah they have this thing called Pho right I do not like Pho like really yeah so every time I see #so pho# in singapore I will just like nope nope I'm never going there I don't know why but there's just something about #so pho# that I


really dislike maybe it's just the ingredients that they put in cause I'm not really a big fan of I don't know is there like garlic or onion or ginger inside cause I really do not like yeah I really don't dislike that so yeah, okay (oo)


oh my god, gosh okay so an item that I bought that didn't work as expected okay let me think okay do you have anything on your end first if you have something maybe you'd like to start first


but you already said it just now , yeah


okay yeah, yeah, yeah


okay, yeah


yup


, oh


yeah I get what you mean oh my god the the in the the pun intended right there was it intended okay unintended, all right okay anyway oh my gosh wait you just reminded me there was this like purchase that I had so basically I bought this face towel from Shopee as well recently like maybe last week


the okay last week or last last week anyway it came already and when I saw it I was like super duper shocked like I was wondering like what is, this like is this like a kitchen rag then I was like what is this like oh my goodness I was so disappointed really like if I had it right now I would show you but it just felt like


a kitchen rag, yeah it was so rough it was so smooth it felt like I don't even know like, some wasted cloth eh it was like some super bad cloth material that I have it's not even like a towel face wash eh for face material I really don't know how to describe it and the and it looks like okay have you heard of like


trypophobia or something like those like it's it's like a thing like made up or something I'm not so sure but it's like it's like not real I think but it's like people who are afraid of seeing circles so like yea yeah holes like, yeah a lot of holes yeah the that's the like it that's almost the design of it I was so shocked okay I ordered it I ordered it in blue then I didn't know lah I I flipped it over and then I saw like black colour with like little


net like designs and I was so shocked I I was speechless really I was speechless yeah that was like the worst, purchase I've gotten from Shopee actually yeah in terms of material yeah super bad purchase I hate it


okay , oh, yeah yeah yeah yeah


yeah yeah


what okay yeah


yeah , yeah I get what you mean like such a small amount that you you just can't complain about it


yeah yeah four dollars you can go and claim !oi!


yeah


yeah for me okay what's your like question like specifically do you have like a question specifically, yeah


okay in in in school okay let me think uh for me I think, !wow! the worst food the worst food all the food that I've tried is generally okay okay maybe I do not really like the #yong tau#


Foo yeah uh the one in the in Koufu I don't like the Koufu #yong tau foo# yeah the south canteen #yong tau foo#, I don't know I just I just okay first of all I'm not really a big


fan of #yong tau foo# okay okay it's not that I'm okay maybe it is I'm not that I'm not, picky or whatever lah but I just felt like the #yong tau foo# there you know I can have it in like with noodles or rice right, the rice version right I don't know for some reason okay okay maybe let me talk about the noodles first okay the the one bad experience with the noodles you know they have like this sauce after you buy it with the noodles the sauce is just it taste so weird it tastes so weird for some reason it's like some black sauce that they have


which is just not to my liking lah then ya I just really felt like wasted my money plus then they have ingredients but I just feel like the black sauce and the ingredients do not match, it does not match with the noodles and the ingredients and the black sauce just no relation just taste bad yeah and the soup was so bland


yeah so I don't know, yeah so maybe it's just I don't know [lah] but since it's not the first time you are hearing this then (ppb) yeah maybe there's something really wrong with the food there and


, part two positive product review , okay joshua so my turn I have a question to ask you so what can you describe to me a moment when you had a positive experience with a customer service agent over the phone


yup, yeah buy from Shopee yup


yup, yeah okay


okay, uh okay


okay


, oh really okay


oh yeah,


(mmhmm)


ya,


yeah, yup, understand


they're very neutral yeah, yeah, for me I think the most recent time was okay okay the the first thing that popped up in my head was the time when there was an issue with my phone and I had to call apple


yeah so actually the apple uh helpline is quite good to be honest uh it was like some eurasian who picked up so I don't know like, which like is it just someone working in apple or did the call like I don't know direct somewhere else okay but anyway so there was an issue with my phone so I called the apple and then the person was really good because apparently you know they could they can actually run like some


uh they can actually run some analysis to check out on your phone you know via the, like I don't know like I was I were I will use my house phone to call them and then they clicked on something and then it got connected to my phone and then they could run analysis


yeah which really helped the so they gave me like feedback and then they told me like what to do even after the the issue could not be solved then they direct me to QCD technology I'm not sure if you know what that is but ya it's actually really good oh QCD is just like a place where you can like repair your phone


so if you like google later on QCD technology it will appear and then sometimes they will like if the situations really bad it's not really your fault right they might even like give you a new phone like exchange it, kind of thing and they repaired they repaired mine for free which is good lah because I had warranty you know I have warranty


yeah anyway so what is your nice okay what's your favourite brand of bubble tea, yeah, okay what is your most preferred


, Koi Koi Koi okay


why why not green milk tea, what do you mean


, yup I didn't mention a drink did I green milk tea green milk tea green milk tea


okay, I mean if you buy bubble tea okay honestly for me if I buy bubble tea I wouldn't I would care about the price but then the price is quite like


similar you know the price is quite similar in the end so I feel like okay I don't mind you know it's just like that few cents more for the bubbles plus some people don't really drink bubble tea with the pearls so that really confuses me, cause I really love bubble tea pearls okay but for me my go to bubble tea place would be


I don't know I really like bubble tea I can drink like almost any from any brand but okay maybe I can say what I the most the one that I do not really like now which would be gong cha, I don't know I feel like their standards has dropped for me personally but I used to buy from gong cha like almost every day cause I used to work nearby a


gong cha so it was literally just opposite me so every time I see gong cha I'm like yes I'm going to get gong cha so every day just gong cha so ya but then, (hmm) milk tea


I think I would spend it on I'm not so sure but I will I think I'll I might just go to Koi because I actually have this like Koi card right I have a Koi card so why not use it you know ya I have a Koi card liho is not bad if I want to save money but still want to drink Koi


yeah my mum too yeah


I think different people have different preference so so what is your like favourite drink like is it like a is it like coffee or do you prefer tea like you prefer coffee or tea or milk those milk teas eh that's tea also what, milk tea


starbucks coffee it's amazing starbucks coffee is amazing, yeah same same


what do you think about like the mcdonald's frappuccino it's too sweet,


understand okay all right so okay maybe you can tell me one one item that you purchased recently that was good or bad anything, yup okay


yup Shopee it is okay, yeah yeah


oh I see, okay, yeah


oh my gosh oh my gosh let me tell you about this purchase that I made from Shopee as well I love Shopee I always buy from Shopee because I always like I like to buy random things from Shopee for no reason like Shopee is just amazing to me yeah even though I know I'm like wasting my money on products that might not be


that might not have as good quality like the quality might not be like top notch or something but then it's still, it's still like usable so yes ah anyway so the product that I purchased was this cardigan from Shopee if you are interested I can send you a link later this cardigan is literally better than cotton on's cardigans like yeah the material is super soft like it's those


like pullover soft it's as soft as a pullover and and it's like super smooth so when you touch it is like is like, I don't even how to describe it it's just amazing so nice it's like a before you you like cuddle in your blanket to sleep at night is that kind of feeling like literally when you hug it it feels like a blanket it's really nice it's really soft


yes no it's not that one skeptical, yeah


I don't think it's very good for the that was rough that was rough, okay I will show you soon when we meet up I'll wear it to our next meeting, okay and yeah it's apricot in colour so apricot it's like a I guess it's like a piggy white colour if I'm not


wrong yeah but it's really very nice and it was affordable really it was like ten dollars or less than that a little less than that yeah, so yes maybe I'll send you a link okay so maybe what about this, what about okay


all right so a time okay a place ah a place where I'd like to dine at is it, okay a place where I enjoyed dining at was this place called #don dae bak# #don dae bak# it's a korean restaurant at what is it called is it at #telok ayer#


ya that area #telok ayer# that area so basically you just take the train and then you arrive at outram if I'm not wrong I think it's at #telok ayer# but or else you can just google #don dae bak# so apparently I've tried like a lot of korean BBQ places but I really feel that this is the best one that was by far the best one I've ever tasted


there's there's unlimited meat, I mean because a buffet right but then you can take uh unlimited for two hours yeah so it's two hours of free flow meat and the the price is okay lah it's reasonable


because of the quality of meat which is really amazing so I don't know I just really like the taste of the meat and all the people that I go with there the people I went there with all agreed with me that that is really like by far one of the best so maybe you can go there lor next time yeah


okay


yup, my gosh, ya the seasoning the seasoning is like the most important part oh my gosh we can we can go we can go to each other's one's next time yeah I would I will I will love to try okay anyway what about


what about hold on give me a moment to think okay what about a bad experience with a product, okay but just now you already mentioned right just now you already mentioned it right


yeah okay maybe maybe how about a skincare that you are using do you use any skincare, okay


yeah yup, okay chemicals okay yeah


for me okay I forgot what brand or face wash okay I don't really stick to a particular brand for face wash or anything but then recently I tried this new brand called clearskin, because uh someone give it to me so I tried it and (ppc) I really felt like it was really good lah because


you know how sometimes when you use face face wash I'm not sure you can relate but if you use face wash right it will leave your skin feeling quite dry and ya it's really very dry on your skin which is very bad lah because sorry you were saying something


okay it'll leave your skin feeling very dry which is really bad so you always want to have like some kind and then after that you have to like put on like moisturiser right, but with this uh face wash I felt like I don't really have to because it after I used it like my skin felt like very minty I'm not sure if you know how that feels but it felt very minty and also


it felt like that'll it it was like quite like watery also like it felt very like moist and bouncy I don't know how you, ya I don't know if you can understand or relate okay but ya it was really a good like feeling ya it really made my skin feel very healthy lah in general what about you so you don't use any yeah


no I don't I don't really enjoy using face mask, because I feel like it's a waste of time okay it's not okay to correct myself it's not a waste of time but I just feel like it's too much of a hassle like you have to like lie down there


maybe, I don't think it's important no I actually haven't used face mask like since last okay last year this year just begun but I haven't used it in like almost I think close to half a year already or even more than that ya I just put on my moisturiser [loh] if I have to or I just


ya actually I just do that I just put on moisturiser but face mask I think it might be very helpful if you if you like feel very tired, and like fatigued I guess if you are feeling like very super super tired and you feel like your skin is very very dehydrated maybe you put a face mask right and you just go to sleep after that it might be better for you yeah might improve your your skin condition I guess you what about you do you use face mask


oh why, yeah


your uh yeah, maybe you are not find the correct brand I guess, yeah what brand is it


okay I think that's just your personal preference I guess maybe, yeah yeah


the the lemon those kind ya there's like the most citrusy one and then there's the more like watery like cooling ones ya I will always go for the water ones ah because my skin is naturally quite dry so I don't actually have troubles with oily skin only like dry skin so I just need to like maybe put some water on my face


yeah I guess okay ya so ya next next part, yes


part one finance, okay hi gina


nice to meet you okay I got some questions to ask you today, so have you, do you have a savings account, like you know like all those like, prudential lah, like DBS lah or yeah any sort lah do you have any


oh mine, mine is actually prudential, ya I got it like last year


during the CB period, yeah so why did you decided to, have this savings account interesting


I think I chose prudential because like, actually a prudential agent like approached me lah so she actually did like told me like what what were the like the cons and the sorry the benefits the pros ya about it and why is it like better than like most


of the other savings plan out there like, for example yours lah, so basically she told me that this savings plan is like a, , pretty good savings plan savings plan because like you can actually take it out take it out like after one year


I I'm pretty sure like your saving plan is like probably like for the long term right it's like, like twenty plus years one then cannot take out one, it ya is it ya so basically yeah, so basically she described to me lah it's called approved flexi cash ah I not that sure about the name but


if I can remember properly yeah that scheme is sold it that plan is called that yeah so basically they allow me to like take it out after one year of saving so it's like you know to reward myself for saving but obviously you cannot take out everything lah that if you take out everything is like plainly


like, it's like nothing already so, and it's it comes with like four percent interest a year so it's like way way way higher than like any other like savings plans out there yeah, what about yours wait


wait what is it about like is it like a app or is it like something, oh it's a app ah is it like singlife, oh singlife is like also like a platform where you can like just put your money there and it will grow, yeah yeah so really


not bad not bad okay maybe I will like try one day, yeah yea


yeah I think yeah I have a debit card lah the DBS one I think it's the most common one everyone have it, actually bought it like during, secondary three or something and my mother scold me for that , I don't know why cause like I didn't tell her like I I'm gonna change to like a debit card cause at first it was like a normal ATM card what right


you know the blue colour POSB one yeah so basically I went to change it then after that she said !wow! now you want to like spend all your money away then I'm like no I'm not gonna spend, in the end I, abused my


my debit card lah and I, I was I regretted that lah, , last time was not much lah last time was like going, going out like go cinema then buy buy buy buy


and also buy clothes lah, and now I can't even wear the clothes anymore but, yeah what about you, when did you get a debit card


paywave paywave


I think now the good thing about, I the good thing about like debit card right now is like you can link it with your phone, you know like apple got this function is called apple pay where you can link the credit card into your phone then after that you have to just double tap at the your lock lock button then after that it will come out then after you can pay at your paywave I think that was like pretty cool that's why I feel I feel like


it's like more it's hassle free lah like you don't have to take out your card and in case you drop your card or in case you like you lost your card you know you still have that card like like on your phone, know


you should lah I think I think you should lah it's you need to use the technology nowadays, like I think, I think because you are not working in a like a restaurant so like it's not very common to see like customer just using their phone just tapping on the thing


nowadays like customers are even like very stingy about like just letting us touch the card, because of the situation lah so, the best way is to use apple apple pay where they just need to like bring the the phone near to the scanner to pay so like yeah it's very common lah yeah


anyways I have a another question to ask you, uh do you think that couples should combine their finances and open a joint account


uh girlfriend maybe not but if you are talking err spouse of, uh wife I think I would lah because I mean, on or you are gonna like start a family with that person so


if you have a joint account is like you know it's like building your base it's like that's like the base where y'all will start and everything just comes from there ah, so you know uh, y'all you all can like work hand in hand to like


build up like savings for your future child or anything I mean I think it's I think it's necessary lah honestly, but, ya but some couples don't think they should lah because it, it affects their


their money in some sort of way, what about your views, yeah


but honestly I agree lah it's like next time like if you have like you know, bills to pay like suddenly like you didn't expect like you need to pay pay this much you can just, take the money from the joint account and you don't have to like worry about because it's like a fund it's like a fund that you and


your partner have contributed so like, don't have to worry so much yeah, that make sense (hmm)


I feel like, honestly because like in the future technology will be so advance, like, even in primary school I'm, they probably would switch to maybe, like


like automated machines or there will be like you know paywave that that kind of like function for like kids because like technology will be so advanced where when the child just comes out three four years old they would have their own small phone you know so


I feel I feel like having an AT ATM card for them wouldn't be so bad ya but to manage their own bank account, that would be not really necessary for a child that is like such such a young age ah cause


honestly they have like so many, other things to worry about giving them their own bank account is gonna make them worry even more and I'm I believe they are not that mature to actually know the the gist of like having an own bank account managing their own finances and stuff so I think


I would give them a ATM card if like let's say like a school allows them to make certain payments in, you know paywave manner or you know nets manner you know I would, yeah what about you the debit card is it yeah yeah


I also feel like cashless payment, I feel like clap cashless payment cashless payment should be like, like the primary kind of payment, because I feel like it's holding money eventually like you will tend to lose it, like a few weeks ago I actually lost twenty dollars for the first time in my whole life like I have never lose like any pay like any cash before like on my own maybe at one dollar


so basically I was like going to like #pulau ubin# or something, then after that I needed to pay the, the, the boat driver , ya basically the captain, some the the the trip fee


so I think I accidentally took out like, like, when I when I took out my money to like give, to him I think I dropped like twenty dollars or something but I wasn't aware lah because the boat was so big and it was so crowded so I wouldn't have noticed it's only until when I went back then after that I was like yo


I lost twenty dollars and I don't know why so and it's because I have to pay in cash for the person, ya, if if if he allows like paynow or anything I mean I'm, I'm happy to just paynow him you know I don't lose anything ah


yeah so, honestly cashless payment, is a must in the future yeah yeah


for me I feel that you should have like a balance of both, I feel like saving your money in the bank is really looking at long term, eventually your money is gonna grow and it really takes time and the patience and on the other hand


investment, also takes times, but however investment there's different kind of investment there's like you know the long term there are the short term, so depends on what you are investing the returns also varies ah


however honest honestly like as, like, to give an advice or opinion on like what we should choose at people like our age I feel like we should just, put our money in the bank to let it grow first until we have enough knowledge about it about investment then we go towards that direction to make other necessary like you know like plans for ourself ya what are your opinions


ya I agree yeah yeah uh


yeah honestly I think, people our age right now they're wanting to, like you know, have more money so that they can save up for themself for like I don't know like rainy days or like maybe their own like personal usage, but


because like we are all studying and stuff so, our earnings is not that much so basically our investment is also, we cannot spend so much money on investment because that would leave us nothing to ourself to spend at all, yeah so I think a lot of teenagers also like


like how to say like they, focus too much on the investment and eventually they spend like seventy percent of their savings then eventually they have nothing to spend on themself so they they are left like dry on like that month itself which is like pretty sad lah ya


honestly


honestly I haven't thought of it before because, , I think striking a lottery is like, is unimaginable is like, like for you to think that you will strike a,


honestly first I will bank I will bank it inside I will bank it inside my my bank first, then after that I will source I will source for like all the good staycays, in singapore, then after that I will book I will book one night for myself ya I need I need that I honestly I need that


then after that the money I would like separate, okay I'm gonna use like this portion of money to buy food then I'll use another portion, yeah to buy like my own stuff okay before the time runs out what about your what about you what would you do interesting yeah


part three negative product review, okay gina you always talk about drinking bubble tea so just tell me what's the worst bubble tea experience you ever had


like in terms of in terms of the flavour or anything about it yeah,


(hmm) for me


worst food experience oh so basically I think, one of my like favourite like go to foods is pizza lah like I love pizza like you can give me any pizza ya you can give me any pizza and I'll eat it but not for pizza hut


like I I hate pizza hut's pizza, I can tell you like ten reasons why but I'm only gonna tell you three reasons so first firstly they are, their crust is very dry you know okay like I mean a crust a a crust should be you know firm it should be easy to bite in it should be like hot right so there was this time when I actually ordered pizza hut delivery I don't know why


I think because it was like on offer or something so basically I bought it then after it arrived at my house, after that it was hot the box was hot, but the pizza weren't wasn't hot like it's like ironic right like the box is hot but the pizza isn't hot that's first thing


after that you know like when you do a pizza right you supposed to put a crust then after you put the marinara sauce the the tomato sauce right, their tomato sauce right I think they're like on I think


they didn't really give that much I think it was like, a mere layer like it it really feels like I'm just eating the, the crust and cheese, ya , so it was very dry secondly and thirdly I think the pizza was like


very very hard like it's very hard to chew so eventually I didn't really eat, finish it I was like, I wasn't ya I just didn't finish lah cause like I already lost interest in like eating a pizza like a pizza should be like the best thing to eat but pizza hut made it the worst thing to eat


ya even even though ya for me ya at that point in time me and my friend was like yo I don't know what we are eating man like am I eating pizza or am I emit eating stale bread, you know ya so if you have to buy a pizza no no pizza hut please no


same


yeah, oh man yeah uh the country ah


honest honestly, travelling hasn't been, a negative thing for me, however I didn't really like , honestly recently I went to, Bali ya


the trip there was okay it's just that the vibe there is like not very nice, but I think one thing about Bali is like a lot of things right is like pretty, like it's not like singapore you know singapore has like so much technology and stuff


but in Bali it's like really you know, like back to old school know that kind of thing when I'm not used to it yeah, so , there was one time I think we were like going out to eat or something yeah and


the cultural, the cultural food is like I don't know, #nasi goreng# #nasi goreng# or you know like the fried noodles they had yeah and you will think that, their cultural food will be very very nice it will taste like singaporean you know but it actually taste nothing like it you know


you can remember the last time if you ever eaten eaten like #mee goreng# or like #nasi goreng# you know remember the taste I'm pretty sure you can remember that kind of taste, yeah but their, their, their version of #mee goreng# and #nasi goreng# is like totally different and I actually was disappointed lah like to say lah like it wasn't that good


like honestly like you would expect like a indonesian country to, to cook like, like, a very very nice #nasi goreng#, but maybe because we are attuned to the singapore taste that's why, it feels like you know like like when you go there and you eat their #nasi goreng# is not that good yeah but


it was like a roadside kind of shop lah so I have, I couldn't complain you know ya it was cheap food, yeah what about you, any any any food that you'd eaten and you you'll you'll be like I'm not going back there anymore


uh can you describe it oh Pho yeah you don't like Pho then there's like spring onions ah


okay uh anyways I got an I got an question to ask you so describe like, any items that you bought and it became faulty recently, like it could be not not very recently ah maybe it could be like some time ago could be


like that one time where you bought something and it didn't work at as you expected, yeah


I would I would complain about Shopee's material but I mean , , no I mean I I I bought I bought a lot of stuff from Shopee also like I mean I'm kind I'm quite of a spender lah so, basically I'm quite I'm quite cheapo lah honestly like I don't like spending a lot of money and stuff so like I always source for like like cheaper options but you know like you know replicate things


like let's say like you see this is branded thing then after that you'd like you see this branded thing on Shopee then I'm like !yo! actually it looks quite good then after that you look at the reviews like !yo!, it's actually quite good a lot of five stars a lot of people say good material so you got tricked into believing that it was good