<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>defragment.me&#187; defragment.me</title>
	<atom:link href="http://defragment.me/tag/money/feed" rel="self" type="application/rss+xml" />
	<link>http://defragment.me</link>
	<description>random fragments from my mind</description>
	<lastBuildDate>Wed, 21 Jul 2010 11:19:18 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.0</generator>
		<item>
		<title>We all have choices</title>
		<link>http://defragment.me/thoughts/we-all-have-choices</link>
		<comments>http://defragment.me/thoughts/we-all-have-choices#comments</comments>
		<pubDate>Tue, 01 Jun 2010 12:55:01 +0000</pubDate>
		<dc:creator>Winnie L.</dc:creator>
				<category><![CDATA[thoughts]]></category>
		<category><![CDATA[authenticity]]></category>
		<category><![CDATA[choices]]></category>
		<category><![CDATA[free-will]]></category>
		<category><![CDATA[gratitude]]></category>
		<category><![CDATA[happiness]]></category>
		<category><![CDATA[hopes]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[sacrifice]]></category>
		<category><![CDATA[travel]]></category>
		<category><![CDATA[true]]></category>
		<category><![CDATA[wishes]]></category>

		<guid isPermaLink="false">http://defragment.me/?p=431</guid>
		<description><![CDATA[I never used to believe it, but we all have choices. I held a pretty deterministic view of life. I believed failure or success was&#160;pre-destined. Choices define our lives. It defines us so much that many of us live in fear of making the wrong&#160;choices. Me? I admit I was a pretty stressed out soul [...]]]></description>
			<content:encoded><![CDATA[<p>I never used to believe it, but we all have choices. I held a pretty deterministic view of life.  I believed failure or success was&nbsp;pre-destined.</p>
<p>Choices define our lives. It defines us so much that many of us live in fear of making the wrong&nbsp;choices.</p>
<p>Me? I admit I was a pretty stressed out soul getting really angry and upset with myself for the choices I have made in the past. However, somehow I never got angry with myself for too long, because I believe everything happens for a reason. Making poor choices leads to valuable lessons and accumulated reasons, making good choices leads to increased faith and happiness. Therefore, in my opinion, there’s really no such thing as a bad choice. Success or failure, we are all learning along the way. Sometimes, you just take a while longer to get to the destination, but they always say, it is the journey that&nbsp;matters.</p>
<p>Here I am, staring at the vast ocean through the window of my room. Wondering about myself and my choices. Reflecting on my life and the path that I have chosen. My life could have turned out really different, but do I want the difference?<br />
<img class="alignnone size-medium wp-image-432" title="Baan Krating Balcony View" src="http://defragment.me/wp-content/uploads/2010/06/IMG_0626-400x300.jpg" alt="Baan Krating Balcony View" width="400" height="300" /></p>
<p>Sometimes it is really difficult. Seeing peers acquiring assets and attaining career success. I am human after all and sometimes I wish I don’t have to worry about money, I can afford to buy a house and a car, and I can have my parents living off me. Which could be possible if I have chosen&nbsp;differently.</p>
<p>Over the past one year I have met incredible people in different interpretations of the word. Through the hard work I have put in I have had the opportunities to work in a couple of big-name companies. Even if I didn’t want the corporate life, I could have been working in a very successful startup, earning the sort of keep that will not only keep me worry-free financially, I could probably afford to buy almost anything I wanted (I don’t go for luxury goods so that’s not that difficult to&nbsp;fullfil).</p>
<p>I also gave up the opportunities to work with people that I admire. On projects that may not be fulfilling financially at the moment, but definitely potentially&nbsp;life-changing.</p>
<p>I gave all of that&nbsp;up.</p>
<p>To find myself again, so that I can be&nbsp;myself.</p>
<p>I don’t deny I think of all these things wistfully, I think of the car I could have bought, the house I could have saved up for, the smile of my parents if I were to give them that fat red&nbsp;packet.</p>
<p>So when people tell me that I’m ‘lucky’ or ‘cool’ because I am ‘free’ to travel around and enjoy breathtaking views, I don’t really know how to&nbsp;react.</p>
<p>Because most of them will not know all that I have given up to be where I am today. And it is really not easy. I give people the impression that I am simply a ‘heart’ person and I make decisions like these with a snap of my&nbsp;fingers.</p>
<p>Nobody knows the nights of insomnia and all those tears behind my&nbsp;smile.</p>
<p>A friend of mine once told me, there are two ways to change the world. One is to become rich like Bill Gates and start contributing massively to charities, the other is to be like Mother Theresa, giving your whole life to everyone else without expecting anything in&nbsp;return.</p>
<p>I can never be the Bill Gates sort of person, neither can I be Mother Theresa. Who am I&nbsp;kidding?</p>
<p>But I hope and wish that by being true to myself I can somewhat encourage more people to be true to themselves as well. By writing openly about my issues and hurt I can let a few tortured souls realise that they are not alone in how they feel. By being idealistic I hope to remind some people of their ideals&nbsp;again.</p>
<p>They are all lofty wishes, but I hope and wish and I try. I never thought that I could change the world, but I thought that the very least I can do is to be the change I want to see in the&nbsp;world.</p>
<p>Perhaps the act of giving up to be where I am now will never allow me the same opportunities again. Perhaps it will bring me even more opportunities when I am ready. All I know is that I try my best. I believe if I try my best and do what I truly believe in, satisfaction will eventually&nbsp;come.</p>
<p>I believe everyone has a different role in this world. Once in a while there comes a Steve Jobs or a Bill Gates to shake the world. Albert Einstein, Mother Theresa, Gandhi. There are the ones who give up personal time, family, love, just to create a product, a mind-blowing film script, or a book that will influence the minds of&nbsp;society.</p>
<p>But there is also the housewife that does her chores and brings up her kids the best way she can, giving up any form of career and ambition. The man that works in a boring 9-5 job faithfully for 30 years just to support his family in the best way he can. The woman who spent 25 years of her life walking around America without a single cent just to prove that compassion&nbsp;exists.</p>
<p>We all have choices. Sometimes these choices may not seem to be worthwhile on the surface. Sometimes nobody will see the value or understand the choices. Sometimes it is difficult to live with our own choices. All the what could have&nbsp;beens.</p>
<p>I think we just do our best. We all have different priorities. The easiest way to make a decision is just to ask yourself whether you will regret this on your&nbsp;deathbed.</p>
<p>Till date, I think I haven’t made any choices that I would regret on my deathbed. But I think I can do better. I want to make choices that I will be happy with on my&nbsp;deathbed.</p>
<p>As I was writing this post, I put a “do not disturb” sign on my hotel door, and a hotel staff quietly puts a change of fresh towels and water quietly on the table at the balcony. This is a simple act that many expect or take for granted. I manage to catch a glimpse and I saw her placing those items with her utmost care quietly, with a small smile on her face. She left without knowing that I was looking, or that I was touched by her simple&nbsp;gesture.</p>
<p>Our choices often create ripples of repercussions without us knowing. Good or bad, you get to&nbsp;choose.</p>
]]></content:encoded>
			<wfw:commentRss>http://defragment.me/thoughts/we-all-have-choices/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Living life without limits</title>
		<link>http://defragment.me/thoughts/living-life-without-limits</link>
		<comments>http://defragment.me/thoughts/living-life-without-limits#comments</comments>
		<pubDate>Sat, 30 Jan 2010 13:08:06 +0000</pubDate>
		<dc:creator>Winnie L.</dc:creator>
				<category><![CDATA[thoughts]]></category>
		<category><![CDATA[astrology]]></category>
		<category><![CDATA[belief]]></category>
		<category><![CDATA[blessing]]></category>
		<category><![CDATA[change]]></category>
		<category><![CDATA[courage]]></category>
		<category><![CDATA[decisions]]></category>
		<category><![CDATA[dreams]]></category>
		<category><![CDATA[expectations]]></category>
		<category><![CDATA[faith]]></category>
		<category><![CDATA[fear]]></category>
		<category><![CDATA[freelance]]></category>
		<category><![CDATA[happiness]]></category>
		<category><![CDATA[life]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[now]]></category>
		<category><![CDATA[purpose]]></category>
		<category><![CDATA[singapore]]></category>
		<category><![CDATA[society]]></category>
		<category><![CDATA[success]]></category>

		<guid isPermaLink="false">http://defragment.me/?p=410</guid>
		<description><![CDATA["Now is the time to integrate with kindred spirits while continuing to leave internal and external limiting factors&#160;behind." Quoted from The Aquarius-Leo Full Moon of January 2010 - Creativity Crystallizing in Forms of Power by Robert&#160;Wilkinson. Astrology works in funny ways (No it is really not the monthly column you read in newspapers). I was [...]]]></description>
			<content:encoded><![CDATA[<blockquote><p>"Now is the time to integrate with kindred spirits while continuing to leave internal and external limiting factors&nbsp;behind."</p></blockquote>
<p>Quoted from <a href="http://www.aquariuspapers.com/astrology/2010/01/the-aquarius-leo-full-moon-of-january-2010---creativity-crystallizing-in-forms-of-power.html">The Aquarius-Leo Full Moon of January 2010 - Creativity Crystallizing in Forms of Power</a> by Robert&nbsp;Wilkinson.</p>
<p>Astrology works in funny ways (No it is really not the monthly column you read in newspapers). I was just having this whole thought process about the limiting beliefs I have in my life for the past few days, and this article cropped up in my feed. Regardless of whether the astrological transits influenced me or not, I thought the above quote aptly summed up what I feel now, and will probably be the theme for my&nbsp;2010.</p>
<h3>Moving&nbsp;forward</h3>
<p>I wanted to write my customary New Year's resolutions post quite a while ago, but I did not really have any specific resolutions. Not because there wasn't anything to improve on, quite the opposite actually. I think I am on the brink of a crucial transition phase in my life, and mere words will not be enough to express how I&nbsp;feel.</p>
<p>The great fear of moving backwards always seem to stop me from moving forward. I cannot help but feeling that the best solution is not to move, stay in limbo, until I know the best way to move forward. But there's no "best way to move forward".  How do we determine what is the "best"? By basing on experiences of&nbsp;others?</p>
<p>I've always believed, from a young tender age, that the best way to live life is to live it spontaneously. Yet how many of us can truly be spontaneous? Not worry about bills? Even if we don't care about our own survival, what about our loved ones and whether we would be able to afford medical care for them if&nbsp;necessary?</p>
<h3>Bad news can be catalysts for&nbsp;growth</h3>
<p>A while ago I had some news which threatened my financial stability. All the plans that I've made for this coming year either has to be shelved, or I have to find some miraculous way of pulling it all together. Perhaps if it was in the past, I would have been crippled by the news. Devastated, and think that nothing in my life goes according to plan. The reality is, even the best laid plans can be thwarted. A dip in the economy, a war in some country, a natural disaster, tons of things can happen. We can only try our&nbsp;best.</p>
<p>I could have continued moping about my situation, which I did, for a short while – I think sometimes we have to reach the bottom in order to rise up. Problems can be solved by money are not problems. I sound frivolous by saying this, but look at little Charmaine, whose banner I put up on the right sidebar of this blog. We can garner all the donations for her expensive treatments, but her life is still in the hands of fate. We can only hope and pray for the best. Money cannot solve her problem, neither can money really solve Haiti's problems. Can money bring peace and stability to a nation? But that doesn't mean we stop giving or trying, because trying our best is better than not trying at all, isn't&nbsp;it?</p>
<h3>We all have&nbsp;choices</h3>
<p>Some of us are trying their best to deny this, but we all have choices. I used to hold a deterministic view of life, I believed that everything was pre-destined and we don't have a choice if we're destined to suffer. Somehow I was blessed because a series of events changed my views. I can choose to mope, or I can choose to be hopeful. If <a href="http://www.lifewithoutlimbs.org/about-nick-vujicic.php">someone without limbs can lead such an inspiring life</a>, why the rest of us who can walk, talk and eat, feel so&nbsp;aggrieved?</p>
<p>I have realised it is all about being able to exert control over your mind. Most of us allow the mind to rule us, to tell us we have to be richer, to do better, to be slimmer, whatever. I am blessed to know a few people who are not bounded by the restrictions of the mind or society, and these people are truly exceptional. They take risks, live life to the max, and are truly happy. You don't even need to know them to know they are happy. They exude happiness from their very&nbsp;core.</p>
<h3>Wiring &amp;&nbsp;beliefs</h3>
<p>Being raised in a materialistic society in Singapore, (and it didn't help having a very critical mother), add my natural melancholic self to the equation, I seem to be wired to believe that I was destined to fail. I worry about anything and everything, and I worry what will happen in 50 years time. I worry about the future and problems that doesn't even exist. I think of the worst case scenario in every situation. It can be a good trait. It is always good to be prepared for the worst consequences, but not when you actually believe that the worst consequences are likely to happen all the time. Sometimes I think I actually will my problems into existence. Isn't this what they call a self-fulfilling&nbsp;prophecy?</p>
<p>So when I received the news that could threaten my financial stability, I went through the entire process of 'shit, I am never going to make&nbsp;it'.</p>
<p>This time, a switched flipped in my mind. If there's a 50/50 chance of failure and success, why do I seem to think that failure is the higher possibility? Why do I subscribe to the notion that I was not capable of rising up to the new occasion, that my situation will improve&nbsp;instead?</p>
<p>As I allowed myself to conjure hundreds of solutions to my problem, I realised that a solution was not impossible. It was just how much I was willing to do it. A difficult solution does not mean&nbsp;impossible.</p>
<h3>Removing&nbsp;limits</h3>
<p>Now, I am in the process of removing all my limiting beliefs. Whatever that held me back in the past. It is not easy, and some mornings I still wake up with slight panic attacks over what I am going to do about my problem, some nights I still get dreams of being late for exams. I seem to dream a lot of the past and it gives an accurate picture of my whole psyche. I am still wired to the past, still haunted by it. In reality my life is getting better every day but there is still this part of me that thinks that this is all too good to be true, and that it will end soon. I am like ending my own happiness even before even any sign of trouble. I am already planning for&nbsp;doomsday.</p>
<p>Nobody is threatening my happiness except myself. I cannot change external circumstances but I can learn how to cope with it positively. I wouldn't be in my 3rd year of my solo career now if I didn't choose to let go my fears. I would never have imagined having the life I have now when I was still working long hours under employment. Back then, I only wanted my life to improve slightly, to stop working nightmarish hours and I was even prepared to suffer and earn less money in exchange for having a life back. Now, I am almost living the life I have always dreamed of, I still have to work long hours and suffer the stress every now and then, but I have the freedom (to travel, to sleep in, to choose clients, etc), and that is most important to&nbsp;me.</p>
<p>Instead of fretting over the possible problems in the future, I rather spend my energy being the architect of my ideals. I want to dream of an improved life, not plan for the worse. Because even if unfortunate incidents do happen, there's usually nothing much you can do. Probably the very most, is to be properly insured and have some emergency funds. Even the deepest emergency fund you have in the world will not help much if life really decides to throw you a&nbsp;curveball.</p>
<h3>Grateful for the&nbsp;unexpected</h3>
<p>Now, looking back at the news I'd received, I am amazingly grateful for it. Like truly. I was in some form of a comfort zone and I needed it to push me out of it. If this did not happen, I would not have been spurred on to be creative about the ways I can change my lifestyle. Something that I thought that required a financial miracle is turning out to be seemingly possible – all because the situation called for extreme solutions, and one of the solutions do not seem so extreme after all...In fact, based on the current situation it is quite do-able within my means, and who is to say my means will not improve? At the very least, it is worth trying and hoping&nbsp;for.</p>
<p>If this did not happen, I would not even contemplate this particular solution (sorry for being ambiguous but it is too early to write about it), because my own limiting beliefs thought it was&nbsp;impossible.</p>
<h3>Just&nbsp;trust</h3>
<p>Some time last year, I was in a very bad shape and I let go. I let go of my worries, my fears, and any attachment to any outcomes. I told myself to trust the Universe and see what happens. It was very scary, but looking back now, whatever followed up actually turned out much, much, better than I could ever have imagined or&nbsp;expected.</p>
<p>This time, and for the rest of my life, I want to do the same. Just trust. Implicitly. As long as I can eat, talk and walk, whatever that comes along is a bonus and a&nbsp;blessing.</p>
<p>It will not be easy, but I really do want to stop being so affected by my past, whether is it memories, phobias,&nbsp;conditionings.</p>
<p>I want to re-wire&nbsp;myself.</p>
<p>I want to live my life without my self-imposed or society's&nbsp;limits.</p>
<blockquote><p>"Nobody in life gets exactly what they thought they would get. But if you work really hard and are kind, amazing things will happen." – Conan&nbsp;O'Brien</p></blockquote>
]]></content:encoded>
			<wfw:commentRss>http://defragment.me/thoughts/living-life-without-limits/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Daddies (&amp; Mummies) Don’t Let Your Babies Grow Up To Be Strangers</title>
		<link>http://defragment.me/discovered/daddies-mummies-don%e2%80%99t-let-your-babies-grow-up-to-be-strangers</link>
		<comments>http://defragment.me/discovered/daddies-mummies-don%e2%80%99t-let-your-babies-grow-up-to-be-strangers#comments</comments>
		<pubDate>Mon, 07 Dec 2009 15:43:06 +0000</pubDate>
		<dc:creator>Winnie L.</dc:creator>
				<category><![CDATA[discovered]]></category>
		<category><![CDATA[children]]></category>
		<category><![CDATA[decisions]]></category>
		<category><![CDATA[love]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[parents]]></category>
		<category><![CDATA[singapore]]></category>
		<category><![CDATA[society]]></category>

		<guid isPermaLink="false">http://defragment.me/?p=403</guid>
		<description><![CDATA[Reading this article touched a raw nerve in me as in my case, my mom was the one who was a stranger to me in my childhood in the name of providing material&#160;comfort. All I wanted was a mother. Not some fancy life or toys (which I didn't have&#160;anyway). It never ceased to amuse (not [...]]]></description>
			<content:encoded><![CDATA[<p>Reading <a href="http://www.jonathanfields.com/blog/daddies-babies-strangers/">this article</a> touched a raw nerve in me as in my case, my mom was the one who was a stranger to me in my childhood in the name of providing material&nbsp;comfort.</p>
<p>All I wanted was a mother. Not some fancy life or toys (which I didn't have&nbsp;anyway).</p>
<p>It never ceased to amuse (not very amusing when I was younger) when she would complain that her daughter is not as close to her as compared (in typical Singaporean fashion) to her relatives and&nbsp;friends.</p>
<p>I cannot help but feel disturbed when people want to have kids because 'or else nobody will take care of me when I am old'. Very few people understand how psychologically screwed up a kid can get without parental love and&nbsp;support.</p>
<p>Kids do not magically turn into responsible, loving adults by themselves, people. You need to nurture&nbsp;them.</p>
<p class="sidenote">p.s. I have a good relationship with my mom now, but you have no idea how much pain and tears it took the both of us. It could have very well turned the other way. (One of my wishes when I was a teen was to legally disown my mother when I turned 21) But we would never be as close as one of those parent-child whose bonds had been forged during early childhood since&nbsp;birth.</p>
]]></content:encoded>
			<wfw:commentRss>http://defragment.me/discovered/daddies-mummies-don%e2%80%99t-let-your-babies-grow-up-to-be-strangers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>He gave his company away to charity</title>
		<link>http://defragment.me/discovered/he-gave-his-company-away-to-charity</link>
		<comments>http://defragment.me/discovered/he-gave-his-company-away-to-charity#comments</comments>
		<pubDate>Sun, 06 Dec 2009 04:48:37 +0000</pubDate>
		<dc:creator>Winnie L.</dc:creator>
				<category><![CDATA[discovered]]></category>
		<category><![CDATA[causes]]></category>
		<category><![CDATA[freedom]]></category>
		<category><![CDATA[giving]]></category>
		<category><![CDATA[happiness]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://defragment.me/?p=402</guid>
		<description><![CDATA[Derek Sivers explains why he chose to give away his company to&#160;charity. But the less I own, the happier I am. The lack of possessions gives me the priceless freedom to live anywhere&#160;anytime.]]></description>
			<content:encoded><![CDATA[<p>Derek Sivers explains why he chose to <a href="http://sivers.org/trust">give away his company to&nbsp;charity</a>.</p>
<blockquote><p>But the less I own, the happier I am. The lack of possessions gives me the priceless freedom to live anywhere&nbsp;anytime.</p></blockquote>
]]></content:encoded>
			<wfw:commentRss>http://defragment.me/discovered/he-gave-his-company-away-to-charity/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I live without cash – and I manage just fine</title>
		<link>http://defragment.me/discovered/i-live-without-cash-%e2%80%93-and-i-manage-just-fine</link>
		<comments>http://defragment.me/discovered/i-live-without-cash-%e2%80%93-and-i-manage-just-fine#comments</comments>
		<pubDate>Fri, 30 Oct 2009 10:55:06 +0000</pubDate>
		<dc:creator>Winnie L.</dc:creator>
				<category><![CDATA[discovered]]></category>
		<category><![CDATA[change]]></category>
		<category><![CDATA[environment]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://defragment.me/?p=395</guid>
		<description><![CDATA[Mark Boyle got inspired by Gandhi "to be the change you want to see in the world" and decided to pursue a lifestyle living without&#160;cash. Quoted: "If we grew our own food, we wouldn't waste a third of it as we do today. If we made our own tables and chairs, we wouldn't throw them [...]]]></description>
			<content:encoded><![CDATA[<p>Mark Boyle got inspired by Gandhi "to be the change you want to see in the world" and decided to <a href="http://www.guardian.co.uk/environment/green-living-blog/2009/oct/28/live-without-money">pursue a lifestyle living without&nbsp;cash</a>.</p>
<p>Quoted:</p>
<blockquote><p>"If we grew our own food, we wouldn't waste a third of it as we do today. If we made our own tables and chairs, we wouldn't throw them out the moment we changed the interior decor. If we had to clean our own drinking water, we probably wouldn't contaminate&nbsp;it."</p></blockquote>
<p>Well&nbsp;said.</p>
]]></content:encoded>
			<wfw:commentRss>http://defragment.me/discovered/i-live-without-cash-%e2%80%93-and-i-manage-just-fine/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
