
Planning to start another joint savings plan wif dd... but this time it's a little bit different, it has gotta succeed cos why? house is arriving dunno wat fees we gotta pay in the end... so gotta be prepared and quickly be able to move into the house, else we will just b like paying for nothing ,something we don't use, just left there...Lef dd off for a few years liao (cos of her constant reluctance to save) but this time really cannot let her have her way liao cos really it's gg to b OUR house, not my house... monkdees manor, NOT sunboi's nest ..watever really hope she can see the point..
ok my plan...,
"monkdees manor fund"
my part : $1200 every month (no change)
dd's part: $200 every month
total: $1400
going by this calculation we can only save $16800 every year (provided we are disciplined enough and there are no other costs like travelling, this tax, tat tax...)
so at this rate, bascially the earliest we can move into the house and get married is 2 years later... which we will have $33000 + the $10k i have now it will barely b $50k(the min estimate we need)
For dd's part $200 is actually very little but then she still wan to bargain somemore... not gg to let her get her way because he actually PROMISED to contribute at least $200 every month to the monkdees manor fund..not gg to let her break her promise this time... cannot always let her b a untrustworthy person...I think with some effort she should be able to do it lah... Reasons to make her save
1) it's OUR house
2) must think of after marriage, the money she earn she spend on herself then wat's the point of having OUR house? both must contribute right? $200 i dun think it's enough to buy our monthly groceries (she still say the groceries she will contribute, if cannot even contribute $200 a mth now, how she's gg to contribute to groceies?), now must start to TRAIN, and adjust, be acustom!.
3) if cannot save even $200 a mth how to start a family??? no sense right?
why I think it's highly possible for her:
1) she had a pay rise of $100, before the pay rise she was paying for our hp bills, now i am paying for it and most of the weekend eating expenses, in the end she just need to fork out an additional $150 if her spending habits have not changed
2) if she can save and go for tours once every year(almost) which cost her $1500, i dun see why she cannot save $200 every month.
3) i can save $1200 every month, asking for $200 which is 6x less is not much right?...
4) I understand her difficulties, she got a dog, a car and a family to help feed...thus i am also not asking much frm her... (now can see why i m opposed to her buying a car last time, hey Hazel, now u see my logic?, who is more flawed? that's why i say must be long sighted and forsee problems!!!)
now got another problem, still got the monthly conservancy fees to pay (even if not actually living in the flat) if wat the documents they sent me was accurate that means the conservancy fees is $80++ a month... wah, not $20++ as claimed by dd.. think this have to be squeezed out from my personal expenses lor...no choice(means got less to spend)
haiz
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