No Buy Month

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Also known as the 30-days No Buy Challenge.

If you are new to this (just like us), No Buy Month is buying absolutely nothing , except for food and medication, limiting to only the ultimate essentials for an entire month. For the whole duration, you are suppose to use up all that you already have, cut down on food & groceries budget and mainly limit shopping expenses to a zero. Rule of thumb is to NOT stock up prior to and spend extravagantly after the challenge. Food is necessary but $10 on doughnuts and coffee isn’t an essential for now. Therefore from 10th June till 9th July, I will be stripping everything back to the basics.

  • NO weekend out (can’t ‘buy’ bus tickets to get out);

  • NO coffee takeaways;

  • NO paid services (i.e. haircut/movies/massage); and

  • NO shopping. 

That being said, I will give room for ice-cream (hey summer!) and cleaning supplies. Don’t get me wrong by ‘NO weekend out’. People do go out for activities like picnic/chairty gigs which are free of charge but where I live, those doesnt exist. It takes me time, effort and money to get out therefore for No Buy Month, I will stay in and focus on these.

  • Reading;

  • Reorganizing living space;

  • Decluttering; and

  • Brushing up German (Ja! Bis morgen!).

Unlike most people, No Buy Month won’t make a drasctic change to our finances because we do stick to a strict monthly budget anyways. After paying off housing loan installments, credit card bills etc, all of our funds are then allocated into different investment mediums. If you see me eating up expired biscuits wearing stained discoloured socks, you know why. However, it doesn’t mean I am frugal. I’m an advocate of spending money on experiences therefore I do spend money on travelling. Aside from that, I do buy a little treat  from time to time depending on the performance of my investments. So if you catch me wearing a pair of new earrings, don’t call me out.

So…why No Buy Month then?

 We just came back from Australia and might  have incurred a few unbudgetted expenses. For the most part, we are saving up for a mission. Can’t believe we are now halfway through No Buy Month! So far, so good. Hold your horses because we will check back in on 9th July. Stay tuned.  

 

3 Lifestyle Changes in 2018

 

3 lifestyle changes

YEAR 2018


2018 is coming to an end. Early this year, I did not set out ‘Goals-for-2018’ because what I practice daily pretty much leads me to the ACTUAL goals I want to achieve this year, or even years to come. With that said, I made 3 huge lifestyle changes this year. Thanks to my family, supportive af partner and two good reads.


(one) More Financial Planning

I’ve started financial planning (starving and eating moulded bread) since 18 but back then it was mainly to fund my travels and finance bigger purchases. More ‘earning and saving’ than ‘earning, saving and investing’. Since graduating from university, I took baby-steps by investing in funds, precious metals, foreign currencies and shares. Eggs were scattered. It was due to calculated risks that I ended up with more investment gains than losses. So why change Viviene? Because it’s time to level up.

Fast forward to now, my priorities have shifted to creating additional income source(s), building a solid emergency fund, keeping reserves for opportunities and drawing my retirement plan. The usual investment groove continues but my whole financial plan has broadened its spectrum into what future Viviene would be proud of.

(two) Zero Collection(s) Zero Backup(s)

It took me 26 years to understand the meaning of a collection and how my idea of collection has shifted from Shoe Collection and Candle Collection to Experience Collection and Memory Collection. I’m grammatically at fault but you know what I mean. Since 2016, I have gotten rid of at least 70% of my wardrobe and other belongings. It was through decluttering and simplifying my lifestyle made me realize that collecting NOTHING makes me the happiest :) Currently wheezing through my perfume stash (5 in total, 2 finishing soon) and progressively downsizing physical obsessions that are now a collection of dust (no pun intended).

Part of my childhood teachings was always having back up(s) for just-in-case moments or when ‘it’ stops selling in the market. The idea of having backups made me spend more money in advance for items that end up sitting in the drawer waiting to be used. but honestly when? The only back-up I have now is a back-up plan for when I lose my job or decide to start a business.

(three) More Conscious Spending

Back in those day, I would go out (or online) shopping searching for great deals or just to look out for what’s new in the market. Sounds reasonable until I had 50 pairs of shoes and clothes that could last me at least 3 months without repeating. Then, I made a promise to myself to only buy things that I truly love. That curbed my shopping habits, but it wasn’t effective enough. In 2016, I took up the ‘5 Piece French Wardrobe Challenge’ and that made me see how much unnecessary money I was spending. Conscious spending has grown deeper into my roots since then. Fast forward to 2018, how I perceive ‘shopping’ has changed drastically. However, mistakes were made early this year and we know it still is a learning process. or a lifetime process :)


A year from now, you will wish you had started today.

- Karen Lamb -


It’s currently 21:30 and the night is starting to get chilly. I shall leave it here for now, go make myself a cup of ginger tea and start packing for tomorrow! T-minus 50 days till Christmas.

 

Book-Club

 

Literally the only club I go to at this old age of 25. Damn it. Big chunk of 2018 has gone by. I've devoured 7 books, aiming to finish 12 books by December, hoping Santa would consider me 'nice' and put that snazzy Rolex watch into my stocking. In order to make that happen, these are a few books we have sitting on my clothing rack. (because we have no bookshelf)

 
 

. Do Less, Get More ; Shaa Wasmund

. Simple Matters ; Erin Boyle

. Soulful Simplicity ; Courtney Carver

. Destination Simple ; Brooke Mcalary

. Goodbye Things ; Fumio Sasaki


We hope you are enjoying August so far.

Back to reading!
*elegantly picks up a book*