Sunday, December 12, 2010
OCBC + 4th ICT
Ok, 7 hours to ICT, so I shouldn't be blogging now. Quick one though.
Very happy that bonus came in on Saturday morning! Not that I have tons to spend now, on the opposite, I'm rather poor now, even after 6 months of pay + bonuses.
Why? That's something I've already announced, and something I'm very proud of.
I've cleared my $10,000+ OCBC study loan! That's my year 2 and year 3's tuition fees, plus the 4 months of interest I've allowed them to earn off me. If you check your loan account properly, a $10,000 loan on a 4.75% per annum interest does actually charge u $10 per week.
In percentage terms it doesn't sound like a lot, but I just don't like that feeling that people are taking away $10 per week from me CONSISTENTLY. So, I'm extremely proud of myself that I am able to clear it, all within 6 months of working.
How did I do that? With a combination of lucky pay and discipline. I still do spend, but only on smaller indulgences. I only buy clothes and shoes which are absolutely necessary (for work etc), and I make sure everything I buy lasts (even if the initial outlay may be a bit higher). So, I'm extremely proud that by only working 1 job, I'm able to do that.
And to top it off, do the following for daddy:
- Clear electricity bills $300 initial + 6 months of $100+ monthly
- Buy a new fridge $300+
- Make a passport $70
- Make a new ic $300 (lost 3rd time)
- Pay annual property tax $200+
- Pay annual tv license $100+
- Buy monthly premium grade insurance for myself and him $115 monthly
and of course my monthly allowance to aunt.
(Compared to my other friends who contribute more to the family, this is nothing, but I'm proud nonetheless)
Now, I'm just left with the money I owe small aunt for my first year of studies, and from there I can finally escape being in negative net worth.
Ok! 4th in-camp training from 13 Dec to 18 Dec. And happy that I've already cleared ippt (again through discipline in gradually whacking my unfit body, despite work, into shape to pass). Anything don't facebook me, sms me instead.
Good break from work I hope! (Dreads the 999999 emails I expect to read when I come back though, but nvm!)
Discipline is the mentality to consistently do the things your instinctive self doesn't like, bit by bit, so to finally arrive at the state where your rational self wants to be.
If I want to escape the poverty circle, the more I should exercise discipline against all odds.
Discipline is hard. But along with the right application, it does bring sweet fruits. Long may this continue =)
lowtide blogged @
11:42 pm
