when do I get my adult certificate?
Happy new year again! Who could have predicted 2019-nCoV coming a month ago? If you can, please contact me and consider becoming my investment advisor. Being Canadian-Chinese, the December-early-February period is the double whammy of holiday periods. Gifts, another trip, and last-minute changes make for a pricey combo. However, despite all of life’s surprises I…
Happy new year dear reader! May 2020 be the best year for all of us yet. Spendings tend to go a little a lot out of control around the Holidays and I’m no exception. Let’s see how I fared this holiday season. Spending Report: $2542.78 Top 3 expenses for December in descending order: Tuition ($1155CAD,…
There was a two week period in November during which I woke up at 2-3 am every night without fail feeling anxious. My heartbeat slowly spread until it took over my entire body. In the cool darkness of my bedroom, I wondered if I would be stuck this way forever. People experience anxiety in different…
It feels like my 20s are an ongoing series of existential crises with multiple sequels that nobody asked for and yet keep coming anyways. Every once a while, it drops a life lesson at some inconvenient time. Discipline is not just a mental game. When I was younger, I wanted more motivation so reaching my…
Spending Report: 590.83 The single most costly thing this month was renewing my VPN subscription for roughly $120CAD. I briefly debated not having it as the school wifi came with VPN, but it has come in handy to have two before. I bought more clothes these 4 months than all of last year combined. That…
Spending Report: 674.79 Here’s what it looks like without the savings rate. There’s an increase of roughly $30 from August which seems inconsequential, but I fear a slippery slope situation where I keep on letting things slide and then suddenly I’m only saving $1000 every month (!!!). Yes, yes, boohoo, worried about saving only 85%…
In my 20s I’ve forgotten my birthday every year until someone else (or facebook) has reminded me. It’s been a good system 🙂 I picked a representative sampling of 26 photos of this past year (in nothing resembling chronological order) and wrote a little blurb to go with each one. Not the best photos I’ve…
Forgive the late-ness of this post, it’s taking me a while longer than expected to settle into a new routine. I’ve been occupied for much of September so a warning that there will be no spending report for September because life happens the way life wants it to. Spending Report: 1793.32 (634.02) Here’s what it…