Life in Singapore

Have you heard about the financial bombs in life? These are the obstacles, the road bumps, along your road to accumulate wealth. It seems unavoidable especially if you want to follow the typical model family in Singapore. Of course you can also choose to lead the estranged and socially divorced life of Diogenes, but his is an extreme life. Let's talk more about these financial bombs.



Firstly there is the extravagant wedding. For Chinese couple, it would entail the customary wedding banquet in some posh hotels that would set you back by a few tens of thousands. For me, I kept it to a respectably 30k by keeping the banquet tables smaller and removing a lot of unnecessary (in my opinion, of course) frills that are just icing on the cake that we can do without. We got back in terms of the ang bao money given by generous guest and relatives, so it was really kept at a pretty low cost. It was a good thing too because on hindsight, the extra cash that we can save is really dumped into the next financial bomb....

...Housing. The second financial bomb that comes along will be one of the biggest purchase anyone in Singapore would have the misfortune or fortune (depending on how you see it) of experiencing. I got a resale HDB in a matured estate and a 5 room one too. Things are all well and kept within plans but the funny thing is that when the plans collides with reality, all your well laid plans might just fly away in the face of reality. I know the ideal home for me when I see it, the perfect location, the ideal setting to set up my family and a good location to set up my work at home plans...the only problem was that the property is a 5 roomer but the 'planned' property is a 4 roomer. Some had said that it was lunacy buying at such a high price with such a high COV to boot, but I think it was a period of rare sanity amidst my usual well organised but ultimately sterilized 'insanity' that is so characteristic of my life. Whatever you call it, it is a done deal now so I'll have to make the best out of it. After settling the downpayment and the necessary fees, the next financial bomb comes ticking in.



Renovation. I was searching around for renovation ideas and went to the recently held fare at Expo to take a look at the packages and quotations offered by the various interior designer firms. I think from the mind draining and sleep inducing talk by the various companies, it would seem that the renovation costs alone for my property might go up to around 50k. There are some serious questions to ask myself and my wife: Will we really enjoy the marbled living room floor instead of the cheaper homogeneous tiles? Are we paying good value for the parquet instead of focusing on, again, cheaper alternatives? Is a feature wall necessary in the living room? What is the focus on the living room - is it a place where different minds meet together in jovial conversation or where different eyes meet in the lively pixels of the latest LED tv?  Many more questions bombarded us as we go from company to company, seeking that elusive interior designer to help us discover what we really wanted in our hearts when we have not a clue to what we wanted. I think with furniture thrown in, it might really escalate the entire cost to the range of 60k plus. Oh well... so be it then.



If you've still survived all these three financial bombs, there'll be a fourth one - kids. Since I've not been hit by it, I'll not talk about it now. But seriously, it makes me think what I really wanted in life. It seems like either we have a pretty high standard of living or simply that we are not earning enough money. Money seems to drain out from our coffers like a fully running tap ever since we got married last year. Mind you, the proverbial tap is not dripping water, it's gushing water and for years to come too! I guess I'm just at the wrong place at the wrong time, but such talk do not make me feel better nor does it improve my situation, hence it's ultimately demoralizing and pointless. Let's just bear with it and shoulder on.