Mid Year Review!

Very grateful that I'm born rite in the middle of the year.. thus a mid year review implies the start of another age for me again..
Come 2 more weeks, i'll be turning 29.. the last birthday where i can use only 2 big candles on the cake le.. this time round, i'm gonna have a cake with 29 candles on it! So that i'll can have 29 wishes.. one for each year until i hit 58.. hahahaa..

i still rememember when i was about to turn 18.. i was at OLP chatting with Kenny and Sun Maoting.. was asking Sun Maoting, how he feels about turning 20.. and i guess his reply was, not much feelings?
I remembered that i dreaded turning 18 then.. i felt that i was so old.. and really, in a blink of the eye.. i'm turning 29 already..
Remembered that time, went with my SACYS to Far East and purchased that Ms Sixties jeans.. and remembered i declared that each year, i'll go back to that shop and purchase a size smaller than the previosu year jean.. and unfortunately, that didn't materialize at all.

Wasted 10 years of my life i guess.. looking back, i wish i had done alot of things differently.. for eg, to not be that close up during uni so that i had more friends then, to learn to take care of my looks and become more presentable then. To enter accounting so that i can become an auditor instead. To have an idea where i wana go after graduation. To know how to manage finances much earlier in my life so that i'm rich enoff to purchase the dream condo that my mum yearn greatly.

Looking forward, i definately doesn't want to waste my next 10 years.. i really wana see myself, patting myself on my back when i turn 39 that i've led a good life. a life that i can look back and be proud of myself, a life filled with integrity and happiness.

So what's my plan then?
realised that sometimes, i'm too forward looking, i've got the goal in place, w/o any tactical strategy, which often results me getting lost after sometimes. i tend to be greedy and aspire to achieve many things at one time.. so from onwards, i'm gonna break down the goals in biteable size so that i can achieve them step by step. Just like the quote i see at Tanjong Pagar MRT station- "the trick to success is to never, ever give up". So lemme set what i wana achieve, and the actions i'll be taking to achieve them with the deadline in place to keep me in check.

My goal for this year is very simple..
1) To become prettier!
2) Family & Friends happiness
3) Systemize up my business
4) Defining who I am.. Spiritually, financially, mentally and personally

My Physical self- To become prettier!
1) I wana to sleep earlier daily. lights out by 12mn at least 4 times per week. No phone on the bed.
To wake up by 8.30am daily

2) Get a good eye cream after i finish this bioessence one.. it's not working for my eyes currently.. the dark circles, milli seeds and lines are showing already. I want to start this latest by september, so that when i look at myself at next year birthday, my eyes will not look that tired!

3) Going for Gym and a class at least one / week. Starting from the week of my birthday, to at least go for one gym session and one yoga class every week. otw i will be wasting my money.

4) complete my dose of TRA. It's gonna expire by july and august.. omg.. it's a 3 mths session? why are there still so many pills? Can I con't to take it on a daily basis with the correct dosage? i'm aiming for 58kg by my birthday.. i wana hit that very much. to give myself the best birthday pressie!

5) okay.. gonna pick back my beauty regimn again..
Hair:
Quaterly treatment at pharse - next session is gonna be in august. - Apr, Aug, Dec- budget of $200/ session.
Meanwhile i'm gonna stick with weekly conditioning, and using the beauty credit serum.

Face:
monthly Facial at Lee Wah- budget $80/session
Peppermint pore mask followed by tissue mask every other night.
Sleeping mask every 3 nites.

Eyelashes:
Eyelashes enhancing serum twice per day

Teeth:
Crest at least once per month
To remove my wisdom tooth by end of this month. that shall be my last wisdom tooth and to stop the misalign of my teeth. need to call and fix an appt by this coming week ya?

Nails:
Apply my fungus cream every day

Skin:
my weekly scrub on sunday followed by lotion
moisturizer for my feet every nite!

Inner self/health:
Collagen every sunday nite!
glocosamine every nite
To do my full body checkup in march 2012

1) Family & Friends

Mum:
1) Her Legs- she say that she wana go for the knee replacement operation. I need to bring her to the polyclinic so that she can be referred to the hospital for the checkup to see if she's suitable for this ops.
I'll bring her to the polyclinic by 15 Jun.
I'll call NTUC to chk if she's covered for this ops by 15 Jun

2) Time with her
I'll bring her out every alternate friday. anyplace she wana go. eating, massaging, shopping etc.. groupon is a good place for me to get cheap deals to bring her around

3) Moving house
guess we realy gotta move. What mum said is rite.. it's good for everyone to have a room of our own. If mum shares the new place with brother, where can sis lives when brother gets married? however, at that point of time, sis can buy over the place should brother gets married. i gotta find a place that's affordable and can accomodate all of us..
To look for a few property agents to help me look out for flats and condos at hougang, sengkang areas.
I need to also pay attention to HDB new housing launches too..

4) siblings
brother- finish financial planning for him by end of july.
sis- bring her to do hair with me, return the $80 that i owe her for her hair and talk to her.

5)Friends..
I think i'm really fortunate that there are so many pple who take me as their close friends.
I wana pick up my letter writing project again.. wau.. been procrastinating it for so so so so many years already.. omg.. i will dedicate a day per month after my CFP for all these admin things.

6)My little boy.. it's so sad that I can't even remember his name.. but i'm glad! finally finally fulfiled my dream of paying it forward to help someone change his life. but i will keep this close to my heart, and to always remember that shi bi shou gen you fu..


Career
streamline, streamline, streamline.. i kept talking about streamlining it.. but i've got no idea on how i can do so?
the vast number of pple scares me..
will i be able to complete my contact list if i spend 3 full days doing so?

1) Getting my CFP!!
Assuming that i'll pass my papers this july.. I'll finally fulfil this dream of getting my CFP before 30 years old!
So proud of myself..

2)Creating my own FNA report!
I've got so many ideas in my head, but i do not know how to put them in paper format so that it's standardise. I'll start this after the CFP paper as well.

3) Systemize my biz model!
Apparently, it's very obvious that there's no way i can work the same way as per when i just enter this industry. It's really tuff to have 8 appts daily... cos most of my appts don't fly already.
Thus, i'm resetting it already.. lemme work towards having 10 appts weekly.. that's all.. and if possible to squeeze them from monday-thursday.. so that fri-sun is for family and friends. To achieve 10k API monthly instead..

i) to go for my wisdom tooth operation on 20th
ii) taking a break from 20-24 this month
iii) Merge my contact list together so that it can sync with my iphone
iv) Create another contact list on excel spreadsheet so that i have a clear view of the plans that my client has. transfer these details from the production list
create proper follow up list for mine and andrew's client. -- I need to have an idea how many clients i actually have!
v) Start my motor insurance project
vi) Finish my testimonial handbooks - as a mkting material, quality referrals getting tools and sourcing genuine feedback from clients.
v) return back to office on 27 and to continue to contact all these groups of pple.
vi) My prospect and pending list.. I should be glad that i've got this good problem.. too any pple to call.. but for some reason, i dunno why, i just can't get started on calling them! after closing the cases on hand, i'm gonna to just focus on this group of pending list, client list and referral list.
My aim is to get 65% banding, have 4k monthly income.. that's all.. nothing too faciful cos i prefer to focus on living my life, and enjoying my job!


Defining who I am and what i wana do

i want to see a happie, cheerful, a person with integrity, honesty and fairness in her doing. A person who's focused and serious with her work, and a person who's playful and naughty with her friends. a person who's brutally honest with herself and others, and have to courage to face and overcome what scares her.
A person who's the best daughter, siblings, friends, FC, colleagues accordingly to the pple she loves. A person who makes other pple envy her mum, siblings, friends, clients and colleagues for having her in their life. A person who will makes pple cry and luff during her funeral. A person who's forward looking and has her life planned out already. A person who's financially independent by 30.

Spiritually
without doubts, and always will be. I know God loves me, and chose me to love. I strongly believe that my current position as a non chuch goer, a not 100% believer in every practices is also determine by him. I also believe that He's the one who will determine when I will change this mentality. As of now.. All i just want is to finish the one year bible plan. to start attending church.. I want to attend FCBC at least once by end of this month.. I gotta find the time! all my weekends are already full! OMG.. if all else fails, gonna go back to wesley.. i actually like the serenity there thou it's really quite oldish there.. whatever will happens, i know that my god has planned it all out for me.. and i love him for loving me so much...

Mentally
Completing my CFP! I'm so excited! and gonna make the name chop with my CFP title! who cares abt MDRT? Haa.. even if, in the event that i actually garnered 110k comm for this year, i'm not gonna apply for it anymore.

i wana continue to read more.. Not only in terms of finance, but in terms of self improvement, to learn how to become a better person. just like the Wu Dan Ru book that i just finished.. i wana become a person with more depth.

Financially
Short Term
I'm gonna stay broke for quite a while.. lent out so much $ to so many pple this year.. read this saying before- expect no return when you lend ur money out.. well, anniway, the money is worth paying to see how this person is like.. so lemme see what will comes out from this.
but with this action.. my ST savings and EF is really really low.. gotta have only one focus for my finance this year-- to build up a cash savings of $25k- $10k for ST and current usage, $15k as my emergency fund. I'm $20k away from this goal.. help!
anniway, by the end of this year.. to achieve this even if it means eating bread.. gotta go back to my thrifty days!
N i gotta set aside $4k to bring my mum for the autumn trip.. Hope i'll get back the borrowed money by then..
Oh yah.. sticking with giving up the cubicle by sept.. actually, i'm clsoe to being able to do it already.. lemme finish the client list and motor insurance project first.. den i'll definately look into it..

Mid Term
There's nothing much that i wana purchase in the next 2 years.. gonna stick with the original plan of starting a ifast of $300 monthly of my 30th birthday. this shall fund for my flat when i turns 35.
by 35, i guess i should be in the process of selling of spottiswoode 18.. so there should be a decent lump sum to pay for the flat. anniway, for this flat, if it's gonna cost me about $400,000, the downpayment with reno and furnishing should set me back by $100k.. so if i'm able to get back at least $50k from spottiswoode 18, i'll just need to have savings in cash for about $50k.. wich makes it about MT savings of $800 monthly.. still owe myself $500 monthly from 30 yrs old onwards.

Long term:
it's gonna stay status quo currently..
with only about 1/3 by 30 years old..
if i'm gonna focus on the house, i'll be stuck at this 1/3 for quite a long time.. it's not health.. so no matter what ger, by 30, do a revision and aim for more..

Matters of the heart..
Amazingly.. amazing, amazingly.. normally, any post i blog are filled with Mr Sim's memories.. but i just realised, i haven even thot about him or visualise a future with him anymore.. even for the past 2 days, any thots about him came after this guy that i only met for 3 times. I am so amazed! for the past 4 years, i always chose to stick with waiting for mr sim even if someone who fits who i think i'm looking for comes along.. cos mr sim has always been so precious to me.
but this guy, even thou i dunno him well at all, and have not display any traits that i'm attracted to normally, seems to captivate me. but of cos.. he's not interested in me and he has someone whom he has already discussed which type of housing they will be purchasing.. i guess i should be glad.. God sent someone to test how impt mr Sim is to me.. and has proven to me that Mr Sim is not as close to my heart as i think he is.. it's just that so far, no one can capture my heart like mr sim.. however, this guy managed to catch my attention and makes me yearn to know him better within 3 mtings.. hmm.. issit my own desperation at work?
nonetheless, i now know that mr sim is just a convenient person for me to justify that there's actually no guys who's attracted to me.. hahaa.. on hindsight, looking at this situation, i wish that i didn't express my feelings to him then.. at least, there wouldn't be this change in the friendship.. i wonder, will this feeling change again? i hate being a gemini.. so inconsistent with my thots!