I’ve always been super frugal when it comes to certain items.. So frugal that I even asked my friends about their monthly phone plans. And honestly, I haven’t found anyone paying less than me. My plan? HK$68 a month. The lowest among my peers. (If yours is lower than mine, please comment below!!) But the speed is painfully slow when it comes to data roaming. It gives me 15GB at 4.5G speed, but the data maxes out so quickly that my WhatsApp calls to candidates or clients don’t

With Q2 ending in just a few days, I already have a rough idea of my bonus based on sales revenue. The good news? My Q2 performance is slightly better than Q1 Thanks to a hotter market (Q4 is usually the slowest). 💡 Now I am thinking how to allocate my bonus to my investment Looking Back at My Investments - My HK stocks performed the worst. - My US stocks performed the best. In the first 6 years, my HK:US ratio was 8:2. In the past 4 years, I shifted to 4:6. Result? - US sto

After writing consistently for almost 2.5 years, I’ve finally hit 18,000 followers! It may not be the biggest number out there, but to me, it means a lot. Because behind every number is a person who reads, comments, or shares. And it’s your engagement that keeps me disciplined to write at least twice a week!! 📩 What You’ve Given Me - You’ve given me ideas for future dreams (like writing a book one day 📖). - You’ve reminded me that consistency matters more than perfection. -