These past couple of months have been incredibly busy for me. So much so I've had to put aside blogging for a while. Things have slowed down a little bit so I'm trying to get back into the groove of doing stuff that matters to me.
Was reviewing my accounts and updating my records earlier tonight. Since I've started watching my bank balances more carefully sometime towards the end of last year I've seen my nest egg grow by about SGD10 000. Not bad for a novice. I'm feeling really proud of myself but at the same time, I'm wondering how tight a grip I need to keep on these funds.
With the Hari Raya holiday coming up, I was planning to take a holiday. To take a few days off from work and disappear somewhere for about a week. My earlier estimates added up to about SGD5000 for the week off that I was planning and, all things considered, isn't really all that bad a price. However, when it came to actually making the go/no-go decision, I couldn't do it. Taking SGD5000 off my current balances was too much for me. Could I afford it? Yes. So why is it so difficult to just fork out the cash?
Sometimes I ask myself what I'm really saving all this money for. A few ideas come to mind:
1. To go back to school full-time
2. To quit my job and go vagabonding for a year
3. To start my own business
4. Retirement (by this I mean quitting a full time job to focus on stuff that I love)
None of the above ideas are concrete. They're just possibilities to be considered. So since I'm not seriously aiming for anything (at least not yet, anyway), what's stopping me from going for a much-deserved holiday? I really don't know. It's just the thought of seeing my bank balances shrinking by so much at one go that's got me running scared. Is this what happens when you start to get serious about your finances?
Maybe I'll just spend the Raya holidays at home on a low-budget "stay-cation" and console myself with thoughts of going home for Christmas. :)
Was reviewing my accounts and updating my records earlier tonight. Since I've started watching my bank balances more carefully sometime towards the end of last year I've seen my nest egg grow by about SGD10 000. Not bad for a novice. I'm feeling really proud of myself but at the same time, I'm wondering how tight a grip I need to keep on these funds.
With the Hari Raya holiday coming up, I was planning to take a holiday. To take a few days off from work and disappear somewhere for about a week. My earlier estimates added up to about SGD5000 for the week off that I was planning and, all things considered, isn't really all that bad a price. However, when it came to actually making the go/no-go decision, I couldn't do it. Taking SGD5000 off my current balances was too much for me. Could I afford it? Yes. So why is it so difficult to just fork out the cash?
Sometimes I ask myself what I'm really saving all this money for. A few ideas come to mind:
1. To go back to school full-time
2. To quit my job and go vagabonding for a year
3. To start my own business
4. Retirement (by this I mean quitting a full time job to focus on stuff that I love)
None of the above ideas are concrete. They're just possibilities to be considered. So since I'm not seriously aiming for anything (at least not yet, anyway), what's stopping me from going for a much-deserved holiday? I really don't know. It's just the thought of seeing my bank balances shrinking by so much at one go that's got me running scared. Is this what happens when you start to get serious about your finances?
Maybe I'll just spend the Raya holidays at home on a low-budget "stay-cation" and console myself with thoughts of going home for Christmas. :)
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