I’m getting married soon. I have been working full-time for almost 2 years now, I earn a decent living but still nowhere near very comfortable. I tried hard to save money but it’s always so difficult, even though I live a rather modest life without indulging a lot. Few days ago I just booked a HDB flat with the wife-to-be, and I’ve been wondering – am I falling into this vicious cycle of paying through my teeth for survival (HDB flat, living expenses) with little left in savings for the future or for a rainy day?
I used to blog so much about how I should get away from Singapore, get away from a situation of having to work hard just to have money sucked back by the government in the form of HDB, CPF, etc, just like the majority of Singaporeans… but look at me now.
I realised that I cannot continue further like this. I won’t get far in upgrading my life or my loved one’s lives if I continue to just work hard, pray for promotion/pay rise/to get poached… 2 years in the corporate world and I realised people just don’t get rich and successful this way.
I currently have nothing much to my name and I want desperately to move away from becoming complacent with what I have, move out of my comfort zone and have a breakthrough.
I’m now making plans to do so, one step at a time. My idea is to start small and grow. Starting small allows me to stop without too much pain if things are not moving in the right direction. I spoke to many friends who are really unrealistic about starting up their own businesses. They either want to put in little and get huge returns, or they want to ‘strike it big’ at the first go. And there are those who are always pouring cold water on others and themselves. The first step to success is to get a reality check.
Unless you are lucky and born with a silver spoon or you got lucky along your career and met with situations or people who were able to get you places quickly, the only road to a better future is one step at a time, starting with taking the first step out of complacency and my comfort zone.
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