Despite my busy schedule in a different time zone that the rest, I'm squeezing in some reading on stock investments to help me manage our portfolio. I'm almost done with my second book and planning to go to the bookstore to shop for a few more. I would also be enrolling to attend seminars on this topic to arm myself to be a better investor.

This year, we are aggressively working on saving and investing despite the numerous expenses. First, we redirected Hermione's Trust Fund to Sunlife which gives us better yield as compare to the bank. I'm not a fan of Educational Plan, we opted to save and invest our kids college funds than get an educplan.

We are fortunate that we are not paying for Hermione's schooling now and its being shouldered by hubby's company which is giving us the opportunity to save for her college. Last August, we decided to redirect the college fund that we save so far to Sunlife. We will do the same for Katniss. 

2 weeks ago, we met with an Relationship Manager from Zurich and signed in new investments which will give us interest rates more than what the bank is giving us. This week we met another RM from the same company to get an insurance this time. We felt that its high time we have one, as we are getting older and our kids are still young and we want them to live comfortably if anything ever happens to us.

Life is unsure.

But we can ensure that our love ones will be taken care of with proper planning. 

This is something we wanted to do for a long time but with the limited resources that we have before, its hard to prepare for the future when all you have is for the present needs. I remember getting an insurance policy when I was younger, but I cannot pay the premium that's why I had to stop and the policy was forfeited leaving me with nothing. So I told myself, the next time I will get an insurance policy I will make sure I can commit into it, be in bad and good times. 

Now that we have other sources of income other than hubby's job, I think its the best time to protect our little girls by getting insurance. This way, they will still be able to go to school and have the best life that we can give even if we are not around. 

But I do hope, we will not be able to use the insurance and see them grow and be the ladies that we imagined them to be.

My days are getting shorter, Katniss - my little one, is on "vampire" mode, mostly sleeping during daylight and up with tons of energy at night. 

We would usually sleep around 2AM or 3AM, the thing is, I haven't been able to take my usual afternoon nap since Hermione started her Aikido classes which is twice a week and from 4-5PM. I feel I'm missing a lot in life, having to wake up mid-day.

I still have not completed the layout of Katniss Christening album and haven't started the layout for their birthday album, good thing the voucher I bought from Photobook can be extended. I've also been wanting to put up the Christmas decorations,  I hope I can do that this weekend. Good thing that my brother-in-law is here to help me out with baby sittinga and house chores or else the house would be a total mess.

I have a lot of things I'm planning to do, but I don't have the time and energy for it. I even stopped baking for a while, been forced to buy a chocolate muffin  when I crave for one from Starbucks which cost QR10 which I can do for way much lesser.

On the other hand, I'm glad that we were able to switch Hermione from Karate to Aikido, she also has Gymnastics during Thursday and chose French Song for her ECA. She likes learning French. And I'm glad she loves it. She is doing very well in school except from being a real chatterbox.

Apart from the erratic sleeping patterns, Katniss is generally well, she had her 1 year vaccine 2 weeks ago. Her teeth are coming out, and she looks cuter than ever. God how I adore her.