Day 42 of OBO... EXPENSIVE!!!!

Today was a pretty slack day... I had the whole office to myself... Everyone was out for their own reasons... Colin went up to Malaysia, while Sat was running around to the different project sites... So it was just me, myself and I in the office the whole of today...

I woke up this morning at around 0830hrs... Was super tired... Maybe that's why I felt this morning was a bit colder than usual... I went to wash up... Soaked myself in hot water... It was just so SHIOK!!! Well I got changed and left the house at about 0850hrs... Caught the 0910hrs bus and reached work at around 0955hrs... Travelling time today was really fast... The 151 came almost immediately after I alighted from 854... And traffic was very smooth... Except for a little slow moving traffic on Hougang Ave 2... But that's normal...

I opened the office and then booted up my computer terminal... Took my own sweet time to settle in... Once my station was up, I cleared out the company email... Lots of junk mail... Then I got down to the accounts since I finished the catalogue yesterday... Reconciled the accounts payable... There's still a lot that are unaccounted for though... Think those were paid by cash or something... Must check with them again... Well, I more or less finished my work at around 1400hrs... Surfed the Internet the rest of the day...

I had my lunch at around 1445hrs... Had a tuna sandwich, an apple (because there were no more prunes) and a hot Milo, which was cold when I drank 'cause the air-con was blowing directly at it... Anyway, you called at around 1408hrs... You said that you've already read the mail I sent you last night about the chalet... And you said to go ahead with it... :)... So I'll be sending out invites soon... Hopefully everyone can make it... Anyway I was surfing the web for the rest of the day... Went to do research for the recruitment essay I've got to write... Found some things... So will probably get down to writing it tomorrow evening... Need to submit it by Monday... So ya...

Anyway, I got bored of that after a while... So I decided, just to past the time, to work out a budget for the future... Well there's only one scenario that I took into consideration... And no one will get a prize for guessing which scenario it is... ;D... Well I calculated everything... And assuming property prices start rising for whatever reason or there's a marked increase in the rate of inflation, we're probably looking between $400k-$500k for a normal 4-room HDB flat... And assuming that there's renovations and we decided to take a $30k renovation loan at interest 6.5% (think that's what NTUC thrift is offering) taken over a period of 2 years, we'll probably be looking at another $32k at least spent on renovations... Then plus all the furniture and household things and miscellaneous fees and what not, we'll probably be looking somewhere between $500-600k... But then again, I'm being very pessimistic... But it's always good to budget more, so at least we'll have enough... Of course, this budget needs more refining... We'll get down to that when you get home, OK? Anyway, with that in mind, I was also calculating how much we'd need to save to be at a comfortable level if we do decided to settle down in the next two years... Well, assuming we open a joint account and I start work in January next year, we'd have to put at least $900 each into that account every month and not withdraw anything... And by the end of 2 years, we'd have at least $42k... That's not inclusive of interest, which is almost negligible actually... Sigh... It's just so expensive to live here... And it's really not easy, as I've just found out... Well, it really is an eye opener for me... Never actually thought about all these things last time... Oh well... Part and parcel of life I guess...

Anyway, I left the office at around 1830hrs... Went to the POSB to drop my cheque from Comfort Del-gro... They've finally paid me after so so long... Then from there, I went for music... Caught the 151 and then 854 immediately after that... I reached music at around 1930hrs... Did my theory, as usual... Managed to complete one question... Now must start mugging already... Exams are in less than three weeks... Need more practice... Sigh... Oh well... Anyway, I was there till about 2215hrs... Then my music teacher sent me home... Went to wash up and then you called the moment I stepped out of the bathroom... LOL... I think we're more or less in sync now... LOL... Well after talking to you, I came here to blog...

That's pretty much my day... Quite relaxed... So not too bad... I guess... Well another week has gone and it's down to 9weeks more before you you come home!!! Almost half the journey has gone... Well I can't wait for December to come... 2 weeks to my exams, and after that it'll be 4 weeks before I fly off for my mission... And when I come home, it'll be 12 days before you reach home!!!!!!! I want time to fly much faster now... Anyway, I love you darling... I miss you lots!!!! Come home QUICK!!!!!! There's a lot to do and there's so little time... So HURRY!!!!!