Is this it?

I continued to write on Dayre out of habit, and enjoyed reading others’ posts as usual. Though it is true that people update way less than before.

But no! This is too much to just shut down without saying anything…

I hope it’s not goodbye yet 😒

I still have so much I want to share and write about….

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Tax Savings

Since entering the private sector as a dentist, I am actually considered a self-employed.

Bye bye to all the CPF contributions, annual leave entitlements and MC or medical benefits. Holidays become way too expensive and ‘costly’ more than ever because they mean lots of expenses without any income during that period of time. Also, consider the opportunity cost.

No work? No money lor.

That being said, I am a firm believer of work-life balance (or maybe just sheer laziness) and I take plenty of off days and blocks of leave for holidays.

You work hard so that you can stop and smell the flowers, yeah?

When we were young, April is all about coming up with tricks and pranks for your friends so you can shout “HEY APRIL’S FOOL!!!!” in their faces.

Now, it spells T-A-X loud and clear, especially for me and all the self-employed peeps out there who have to file our own tax with the Auto-Inclusion Scheme (AIS) mehhhh

So while mugging and understanding all the details in depth, I shall share withΒ  you guys in bite sizes, because why not?

Tax Savings / Reliefs & Rebates

Total personal tax relief capped at $80,000Β 

[ For Daddy & Mummy ]

  • Qualifying Child Relief (QCR)Β / Handicapped Child Relief (HCR)

$4,000 max, per child / $7,500 max per child

Can be / to be shared with your spouse on the agreed apportionment.

  • Parenthood Tax Rebate (PTR)

$5,000 for 1st child, $10,000 for 2nd child, $20,000 for 3rd and subsequent child.

Can be / to be shared with your spouse on the agreed apportionment.

 

[ For Mummy ]

  • Working Mother’s Child Relief (WMCR)Β 

Amount (% of mother’s earned income)

15% for 1st child, 20% for 2nd child, 25% for 3rd and subsequent child.

Total cap for QCR + WMCR = $50,000 per child.

  • Foreign Maid Levy Relief

Amount = 2x amount of foreign maid levy paid for one foreign maid last year against your earned income

  • Grandparent Caregiver Relief (GCR)Β 

Only for working mothers

If your parent, parent-in-law, grandparent or grandparent-in-law (who does not carry on any trade, business, profession, vocation or employment) lives in Singapore and cares for your child; and

No one else is claiming for GCR on the same caregiver

 

[ For anyone ]

  • Parent Relief / Handicapped Parent ReliefΒ 

$9,000 (Parent) or $14,000 (Handicapped parent) – dependant staying with you

$5,500 (Parent) or $10,000 (Handicapped parent) – dependant not staying with you

You can claim the tax relief for only up to 2 dependants.

Can be shared if more than one individual is looking after the same dependant.

  • Spouse ReliefΒ 

Up to $2,000 for your spouse if his/her annual income did not exceed $4,000 in the previous year.

  • Course Fees ReliefΒ 

Up to $5,500 per year

For courses, seminars or conference that led you to an approved academic, professional or vocational qualification / relevant to your current profession

  • Contribution to Supplementary Retirement Scheme (SRS)

Up to $15,300 per year

SRS: A voluntary savings programme that encourages you to save on taxes and make investments to grow your retirement savings, over and above your CPF contributions.

*There will be a 5% penalty if you withdraw from your SRS before 62 years of age.

  • DonationsΒ 

250% of total amount of donations to any approved Institution of a Public Character

  • Voluntary Contribution (VC) to MedisaveΒ 

Up to CPF annual limit of $37,740 to your Medisave account.

  • Top up Special or Retirement Account for yourself or/and your familyΒ 

Max $7,000 for yourself, and $7,000 for family members

Top ups for family members: member must not have annual income of more than $4,000 in the preceding year.

Does not apply if the top up is carried out by transferring funds from your own CPF account.

  • Life Insurance ReliefΒ 

Only if your total CPF / Medisave contribution in the preceding year is less than $5,000

Amount to claim: (lower of)

The different between $5,000 and your CPF contribution; or

up to 7% of insured value of your own / your wife;s life, or amount of insurance premiums paid.

 

[ For landlords ]

  • Tax deductions for expenses incurred solely for producing the rental income

Can opt to claim actual rental expenses, or choose to claim an amount of deemed rental expenses calculated based on 15% of the gross rent

Allowable rental expenses: property tax, fire insurance, repairs, maintenance, costs of securing tenant, costs of supervision or management fees, furniture and fittings, Internet charges/expenses and utility expenses

  • Tax deductions of mortgage interest expense

 

(Credits to The Sunday Times, 18 March 2018)

WH’s Bachelorette Party

5 more days to my darling’s big day and we brought her out for a simple bachelorette’s party!

So her husband-to-be suggested many ideas to me; hiring a Magic Mike was one of it. Hahahaha but I think the bride will kill us if we really do that…

Perfume Workshop

So after some brainstorming, we decided on this!

https://www.jetaime-singapore.com/bridal-shower-singapore.html

Beautiful BTB sash lovingly handmade by Pengku’s sister, WY. So lovely!

So first we had to do a quiz on “How Well do you Know the Bride”

Real test of friendship hahahaha of course her sister won but yay I was the second πŸ˜‰

We had to complete a Personality Quiz to find out what “scent” we are. So apparently I was 50% floral, 20% oriental, 10% fresh and 10% citrus.

Each of us had a chest of scents and was told to go through ALL OF THEM and pick out those we fancied.

I wanted to faint a little at some of them, while I puked a little at others. Okay la but the rest seem to be enjoying themselves!

So you drop those scents you like into your own perfume bottle and TADAH your own personalized scent is created!

All of them loved their scents. Except me. Haha I think the reason is that I was not serious about my scent-picking at all. So end up like ???

At least the bottle looks pretty.

Yes I love the bride a little more than you can imagine. We met in JC and became best of friends, despite being in different classes and CCA. We simply clicked and understood each other.

She is always the sweetest. I always told Mr Fu if I were a boy, I will have a huge crush on Pengzy.

Oh why is she called Pengzy? Idk HAHAHA it just evolved over the years from Penq which is what her other friends called her 🐧

Went over to Prive at CHIJMES for dinner.

It is a really lovely place to just chill and take pictures, isn’t it?

Finally settled down for some food.

Cannot wait for the big day this coming weekend ❀

Why tohfusoba?

Hello everyone!

Very touched by the love and the follows πŸ˜‰ been busy with work today and havent got time to go through and follow you guys back!

So, why tohfusoba?

I think those who know me and my husband will know why “toh-fu” hehe im a “toh” married to a “fu”

When I used to work in a restaurant as a part-timer, I rmb having this “tofu soba” that was delicious!

A little lame huh? Haha.

But the true meaning is that things simple and bland, like tofu and soba, can come together as a dish so delightful and yummy!

And so is life.

Everyday’s little mundane details can add up to a beautiful and fulfilling life.

Migration // Wordpress

Haha still havent managed to complete my transfer!! Urgh.

Looks like I have to try again today haha

tohfusoba.wordpress.com

So I've (sort of) hopped over to #wordpress too! Haha under the positive influence of a kind soul hehe who encouraged me to migrate πŸ€“

Username: shiyuntoh

Stellar @shiyunnn

I also created another account for Stellar because I really quite like their very aesthetically pleasant layout?

But I find it harder to post leh like need to have nice pictures? Similar to IG la haha I'll see how?

Hola to me there if you are on Stellar too!

Staying here for now

But I feel weird posting my selfies or talking in my singlish nonsense on WP or Stellar?

It's really nothing close to Dayre la…

IG @shiyunnn_

One thing for sure I'm quite active on IG stories la so probably stay with me there and I'll update over there?

πŸ’• love how I'm connecting with some of the fellow Dayreans on IG IM hahaha

Of new beginnings

Hello everyone!

Not sure if anyone will follow me from Dayre here but I know I have the beloved JJB! πŸ’• thank you for encouraging me to migrate here haha

Actually WP is not bad huh! We dont need to square photos or see badly cropped photos anymore πŸ˜‰

I will continue to share about my life, ootds and fotds, dayrebeauty etc here! also gonna start my dayrehome journey really soon πŸ€—

Drkaylatoh.wordpress.com

I created a separate site for my work (dental related information etc) but hasnt gotten down to writing yet!

I wanna continue my self-declared mission of more dental education and improving the understanding of my occupation πŸ€“

Can follow me there too if you wanna continue to read my dental related posts!

I’m gonna start the Dayre Exporter soon!

So maybe guys you wanna turn off the notification if not I may spam you? Hahaha

Not that it’s gonna happen soon though I’m still in the queue like 10682 LOL

My Skincare Routine

Hello everyone! Hope you had a great cny weekend πŸ€— I feel extremely well rested haha so, very contented and thankful πŸ™πŸ»

Today I wanna finally get down to writing about my skincare routine since many of you asked and also IG IM-ed me πŸ€“

#dayrebeauty #letstalkskincare

Morning Routine β˜€οΈ

Usually when I wake up, I wash my face without any facial wash / facial foam.

My skin type is dry, with the occasional break out in the T-zone, especially when the time of the month is about to arrive.

My main issues are dull skin that is dry and dull, with uneven skin tone and large pores. Freckles are really all over my face. I blame it on my young and reckless self who loves the sun a little too much.

And of course, super dark eye circles HAHA 🐼

RE:ERTH MULTI-TARGETED ELIXIR

This is effectively an all-in-one serum, as the name suggests.

You know how sometimes a single brand of serum can have different types like whitening / moisturizing / soothing etc. I used to buy one of each (YES I WAS CRAZY) but now as I grow up🀢🏼I learnt a simple truth…

Less is more!

The full benefits of this serum

Well, my freckles are super crazy so I don't expect it to disappear right away but I do see a slight fading effect. But I definitely feel that my skin feels brighter and more radiant recently!

#reerth #reerthreviews

RE:ERTH HYDRATING GEL MOISTURIZER

After applying the serum, I go in straight with this moisturizer.

GOSH I LOVE THE SMELL ❀ it gives me the spa feeling akin to lighting candles / aroma diffuser / having a massage when I apply this haha especially when the bottle gives me a pleasantly luxe feeling πŸ€—πŸ˜

I also like that it is not sticky or oily like other moisturizers. For my dry skin, I go in with 2 pumps and it will quench its thirst.

After that, eye cream!

I got this at a Lazada promotion and found myself really liking it πŸ™‚ it is light and cooling, so it really makes the eye area feel good.

And definitely sunblock!

As I mentioned, my freckles are insane. Show you in awhile haha

I found this sunblock in Paris and got it at a sale at 5 euros? A steal right πŸ˜‰

Not sure how well it really 'blocks' the sun but I like that it is not sticky!

I REALLY HATE THINGS THAT ARE STICKY OR OVERLY HEAVY!!

Comfortable in your own skin

This was taken awhile ago, probably mid Jan?

Already felt like the skin is getting better because if not I dont think I'll let this photo exist until now πŸ˜…

But still, skin is patchy with lots of freckles and redness and looking predominantly dull.

Always looking forward to my skin being all glowy one day!

All these #fotd are all no filter πŸ˜‰

Since then, I started to go without foundation!

I used to use my foundation every single day without fail, because I hated the freckles and the uneven skin tone.

I started to embrace my own skin heh heh but secretly also because it's getting better 😊

Some of my friends also started noticing that I have freckles haha

THEY WERE ALWAYS THERE!! Just hidden by me and my foundation πŸ€“

Husband loves it though; he always says that I look cute with it AND I USED TO HATE IT WHEN HE SAYS THAT. But now I'm like "OKAY I DONT MIND BEING CUTE" πŸ˜‚

This was me yesterday, without foundation again!

I love it actually… saves time when i do my makeup, and also when removing makeup!

Not sure if it's psychological also but I feel like it is a good cycle!

Less makeup >> better skin >> even less makeup >> even better skin!

Night time Routine πŸŒ™

BANILA CO. CLEAN IT ZERO

I will remove my make up with first this,

Or this.

SHU UEMURA BLANC CHROMA CLEANSING OIL

tbh, this is really a little too expensive so I will not repurchase it! tried my friend's laneige cleansing oil and felt that it works the same?

Occasionally I will double cleanse with this foam cleanser that I got from Paris!

Gives a good clean if I dont have make up on and wants to clean my face!

Occasionally when I feel like I can use a little more cleansing, I will use this Son & Park Beauty Water!

It is supposed to be an all-in-one toner / cleansing water that can act like a make up remover or skin refresher.

This is not as awesome as the reviews etc made it out to be leh.. not sure whats so special about it πŸ€·πŸ»β€β™€οΈ but i just dont wanna waste it

I will go back to my 2 Re:erth babies after all the cleansing πŸ€—

One of my happiest moments of the day usually… makes me really happy to apply them because they just look so pretty and the twist caps are just so cool 😍

Sometimes when I'm not lazy, I will try to use this because I bought it in Paris after seeing the word "lashes" in the description HAHA

But no leh i dont feel like it does anything?

Also when I'm not lazy, I will use this eye sleeping mask from laneige!

Smells really good 😊

Now this…. damn expensive HAHA

I only use it when I see wrinkles or feel like the skin really needs some SOS hahaha

( I DONT THINK THIS IS HOW IT WORKS THOUGH HAHA )

I use this every other night! πŸ™‚

This is my one step I have been doing for the past 3-4 years haha

Used to be the only beauty product I bothered to slap on my face πŸ˜…

Mask Routine

Just got this in Dec last year after seeing so many good reviews…

Hmm cant say I have seen a lot of improvements because I havent used it much. Just too tired or lazy at night sometimes?

But the skin does feel very soft after using it and also the day after!

My favourite face mask!

It's Skin Glow Cream Mask 😍 I think it's not cheap in the stores but I always get it at DFS / Shilla at the airports…

LOVE THIS.

I use this about 1-2x a week when I have time and remember it hahaha

As you all will realize, a lot of steps are only "occasional" HAHHA cause I'm really forgetful / lazy

Aiya life just got too many things to remember la I really take my skin for granted sometimes

Re:erth ✨

I was intrigued by this brand after discovering that it is actually local! Even more so when I realized the founders are actually around my age HAHA πŸ‘πŸ»πŸ‘πŸ» I thought it was amazing and really a feat to have established a local skincare brand in SG.

I also love what they advocate in their brand: MINDFULNESS.

I think what they mean is to simplify things.

Skincare should be an easy and enjoyable affair!

It makes me realize that it is not that important to have a flawless complexion or have zero pores / freckles.

It is loving my own skin, enjoying each step of pouring quality natural ingredients onto it.

The smell, the aesthetic of the products really make me stop and enjoy the process πŸ’•

These 2 really make my life so much easier (and also better)

When I'm done with my current ones, I will probably go for the full set of products – cleanser, toner, eye cream, serum and moisturizer.

So that I dont need spend too much time thinking what to buy, which type to use for the different types of products etc

I really trust their natural ingredients!

If you're keen, go check out their (beautiful) website at reerth.com, or their IG @/re.erth 😊

There's 15% discount for first-timers, so go discover it yourself #supportlocal

🍊初二🍊

Hello everybody, HAPPY CHU ER YO~

Starting the day slightly later today at 10am but I had about 15 minutes to get ready HAHAHAHA

Not bad la hor 15 minutes can do this πŸ˜‰

#fotd

❀️

Today's details:
#Colourpop Yes Please Palette
#KatVonD Everlasting Liquid Lipstick in Lolita II

#dayrebeauty #letstalkmakeup

😘

I really love short hair laaaaa

This year we took turns to drive heh today is Mr Fu's turn YAY SO I CAN PLAY WITH SNOW CAM ^^

The filters are amazing luh HAHA

Hello

😌

Traffic light breaks

OMG AH YI SPRING ROLLS

WE WAITED ONE YEAR FOR THIS GOOD STUFF TOOOOO

Cute garden spotted

Love this new pair of earrings!

But it's really quite heavy hahahaha i can feel the weight on my lobes

DTF with 老公 because the craving for chicken soup IS REAL

Went home to doll up my mummy haha funny how roles get reversed as the years go by

Photo taking 101 by my little bro:

Do not tilt your body such that your fat arm faces the cam straight on; and you should not press your arm against yourself with your husband squashing the fats out of it

This is the correct angle πŸ˜‰

Where my body is reduced to half its size by being blocked and the arm is way out of sight

(And the husband's arm can shine for all I care)

Mr Fu takes amazing pictures now too πŸ˜‰ so proud of him.

This is the said "little" brother hehehe who is not so little anymore πŸ’•

Check out that highlight glow on my cheeks 😎

And totally distract you from the fact that I was tiptoeing my ass off in this pic WHATTHEHECK MY DIDI IS DAMN TALL NO JOKE

While waiting for everyone to evacuate the house, I just indulge in some me-loving

Becca's shimmering skin perfector highlighter is still my favorite ever ❀

In Champagne Pop!

With Mummy, whose hair is a little messy here hahaha

A series of my #ootd photos haha

After my many piteous attempts to take a nice photo, I have developed a series of "actions" to take pictures lol

1. Pretend to look for things on the floor.

2. Check if your pants got food stains from your lunch.

3. Hold part of your clothes. In this case I'm holding my jumpsuit as if I really needed the toilet πŸ˜…

4. Close your eyes and feel the wind.

5. Just stare at the person who is helping you to take like "ARE YOU DONE"

πŸ‘«

❀️

Haha shit didi and papa got cropped

ι™€ε€•πŸŠπŸŠεˆδΈ€

Happy CNY to everyone! 🍊🍊 Have a huat huat year ahead and may everyone prosper!

Last night's sumptuous reunion dinner!

🐟

Homemade Ngoh Hiang!!

Super yummy soup with abalone and all the goodies, tastes so good!

#dayrefatties #dayrefoodies #cny #reuniondinner

🐢: WHEN CAN I EAT TOO

WE WERE BOTH DAMN EXCITED TO EAT ALL THE HAOLIAO THEY LOOKED TOO AMAZING

Missing Dylan and Chloe! Wish they were there with us too ❀

Homemade Popiah

😍

more ngoh hiang yumz

🐢: I ALSO WANT

.

Hehe simple floral arrangement by yours truly! Tulip and freesia

Azalea!

εΌ€ι₯­ε•¦οΌ

Hopefully next year with Chloe and Dylan back, it will be even more vibrant and 熱鬧 πŸ’•

Hello we miss you!

(Uncle 很 stressed in the corner)

εˆδΈ€

Woke up this morning to this awesome pile of goodness ❀❀❀

waited one year to eat it again hehe

Another close up for it. It is awesome homemade nian gao by my MIL, fried with love (and lots of oil hahaha) and yam

All ready for CHU YI!

Of course, 少不了my #fotd πŸ˜›

Started our 1st stop at 9.30am to POPO'S HOUSE!

Make up details:
– Dior Forever Perfect Foundation
– Kat Von D Saints & Sinners Palette
– Stila Stay All Day Eyeliner (my HG)
– Fenty Beauty Killawatt Highlighter
– Zoeva Coral Blush Palette
– Colourpop Lippie Stix in Bossy

#dayrebeauty #letstalkmakeup #katvond #colourpop #fentybeauty

Here's an unfiltered version heh

POPO's 年糕 😍😍😍

This one is like 3 layers; sweet potato + nian gao + yam OMG DA BOMB

πŸ’‘

Day 1 outfit from #theclosetlover!!

With Mummy πŸ‘©β€β€οΈβ€πŸ‘©

With mummy and papa πŸ‘¨β€πŸ‘©β€πŸ‘§

❀️

With my mama who is looking younger and younger each year 😍😍

The Polo Brothers HAHA

πŸ’•

πŸ‘«

Back home to have A BIG FEAST!!!!

Popo's ORH NEEEEEE

Didnt manage to take photo of the other HAOLIAO because everyone's like 🀀

And then…. changed a dress because it became way too tight after the feast πŸ˜‚πŸ˜‚πŸ˜‚

This dress from #lovebonito!

Way more comfortable haha er but mobility a little affected by the arm sleeves

πŸ€—

New bag, new heels, new dress πŸ’•

Shoes very cute hor, the pompom hehe. And the bag, no words needed ❀

HELLO

❀️

Superb lighting in ah yi's toilet HAHA

With the girl who made me wait soooo long hahaha

Still love you la my baby cousin

😍

Hiding behind the husband

Home again but cant get enough of the make up hehe on point leh I LIKE

Our bonsai!!! εΌ€θŠ±δΊ† 😍

Steamboat dinner yumzz

NONSTOP FEASTING

$50 beef and $30 pork πŸ‘πŸ»

This is my δΉ– daughter in law hairstyle, carefully tucked behind the ears.

Nah this is nonsense hehe IM THE MOST 幸福 DAUGHTER IN LAW REALLY

Yay the flowers have bloomed!

Then had visitors over until I….
crashed heh heh

Really old already my battery πŸ“‰

GOOD NIGHT EVERYBODY

My Vday 😍

Happy Valentine's Day to all you lovelies!! πŸ’•πŸ’•

🐢: Show me some love today, human!

#dayrepets #emmasupramaniamfu

🐢: THAT'S MORE LIKE IT ❀

Hehe we crawled out of bed at 630am even though we are on leave!

And yes, no more work until "明年" for me hehehe #ζ”Άε·₯δΊ†! πŸ€—

Super eventful morning:
– Breakfast round 1 at Chong Pang
– Bah Soon Pah ❀️
– Breakfast round 2 PRATA
– Gardening!

Bought some Azalea for CNY 😍🌸

And theseeeeee HAHA HOW FESTIVE

For those who are interested!

My favourite nursery hehe but I think you really need to drive to get there.

Stumbled upon this while packing up my room! I think it was part of my bday gift ☺️

Yay lets grow some kangkong and spinach!

So cuteeee

Baby #1

Baby #2

Baby #3

Then we got ready to go out!!!

❀️

NG AH SIO BKT!!!

LOVE IT SO PEPPERY!!!

#dayrefatties #dayrefoodies

Old hen for our favourite cold brew!!

Then we went to check out Lamitak for our new home (!) OMG SO EXCITING

Just when we are about to start our #dayrehomes #dayrehome haha dayre gonna stop liao πŸ˜…

SO PRETTY RIGHT

I feel like settee is a good idea!

😍

Then I brought Mr Fu to the Float Club for his vday present 🌚

BUT HE COULDNT TAKE IT HAHA HE WAVED THE WHITE FLAG AND CAME OUT

ζˆ‘ηš„ε―ζ€œθ™«

HAHAHA

🌊

The place is really chill~~

There's amenities there to bathe, dry your hair etc so I got ready and prep for our vday dinner ☺️