For some reason, March seemed to go by painfully slow. March has always been the "drier month" during my stint as a teacher back in 2018-2019 (There are two dry months to me - March & July. Dry because these two months are always the months without many holidays, and I usually feel tired from pushing myself for one last sprint towards the end the quarter). We're one-quarter through the year, you might start to feel as though your "burning spirit/drive" is beginning to die off. You're beginning to feel a little tired with your routine. You're starting to feel wary about the goals/new year's resolution you've set at the beginning of the year. You're starting to question yourself and everything in life.
Sounds familiar? Yes? No? Just me?
Either way, I still want to keep myself accountable for the goals I've set for myself. For the month of March 2021, I definitely have slipped a little this month in terms of what I want to achieve and do.
Financial Goals
1) Save at least 40% of my income every month
Overspent in March as I...
- did quite a bit of shopping for clothes (bought a new pair of block heels, a new pair of shorts, a dress, a camisole, workout clothes)
One of my most coveted purchase so far - a new dress. Even though it costs a bomb. Do I need it? Absolutely not. But I really love how it fits. No, I don't need it but... |
- dined out quite a bit (post-lockdown revenge spending, but hey I'm...contributing to the economy. Committed to write & share about these food places here on this blog! )
One place I've been to for drinks - Bistro Richard at Sentul. Loved the ambience there :) But yes, dining out expenses really do add up! |
- had my hair dyed professionally
post-hair-cut & dye hair - putting this here because the hairdresser spent quite some time straightening them :p (PS it kinda went all over the place a bit after that) |
- also bought some new baking tools since there were a few sales going on.
Side note: I wish e-commerce websites would stop calling their sales the "Biggest Sales Ever" :p Really? There's 9.9, 10.10, 11.11, birthday sale, this sale, that sale. SO MANY SALES!
I don't regret each of this spending. (Also - it's a little too late to regret it if anything) I know I could have dyed my hair for cheap if I do it myself, but from my past experiences, I realised that people at the saloon will always do it better (unless you're a professional yourself!), and I really value the consultation they can offer - giving me advice on aftercare, on which colour to pick so that the colour could last longer etc. etc.
Dining out. Definitely could have cut down a little. But what's done is done. I really do appreciate dining out and I often think of it as an experience, like travelling :) You get to try out something new, do not have to worry about cleaning up etc. And it is a great respite, after staying from home for so long. I realise I yearn to explore, to break my routine, to see and experience different things - and since travelling is restricted now, I find respite in dining out, and for some reasons, it feels particularly refreshing to dine out, especially when I dine out at places I've never been.
I do recognise that being able to dine out is a privilege. But definitely, moving forward, I might have to set a cap on the frequency I dine out and/or the types of places I go to for dine-out if this trend is going to continue :p And to make sure that I don't go overboard with this, and fall into the trap of going out just to "distract myself" and/or "run away from my problems".
I'm expecting to incur some big-ticket expenses soon (Renewal of my motor insurance T_T, servicing of my car, changing of tyres huhu) so I definitely have to plan & adjust my expenses for the coming few months, especially also now that it seems I will be going out more, and possibly to the office too, fixed expenditure will definitely go up so I have lower my entertainment expenses ;P
2) Establish a side income stream
A friend (Hi Nad!) had this prep talk with me and she has been really encouraging and pushing me to start my own side-business. I am giving myself a personal deadline in April 2021. My progress so far is 25% to launch. Please let this be updated in the next post for April 2021.
Personal Growth / Learnings
1) Listen to at least one podcast every day
Week 3: Chickpea soup (a recipe inspired by Brazlian Fish soup - where coconut milk & lots of spices were used, somewhat reminds me of chana masala) & featuring a photo of one of my sourdough loaf, or this photo will look somewhat lonely ;P
Week 4: Sourdough tortillas and chicken fajitas!
Week 5: A failed sourdough focaccia :p...
Hai, it's always refreshing to read your blog, Thank You for sharing !
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