The #crazyness in me Striving harder to save Saving is a mixture of art, science, perseverance and purpose. Art – finding the right mix to stay on budget and acceptable living standard Science – cost calculation while shopping – makes you smarter Perseverance – saying no to things that don’t matter even when it’s tempting…
We hear a lot of complains – on incompetency, corruptions, bad policies, unbelievable public statements as a whole of this nation. While these may have ground of truth, it’s very dangerous to let our hearts filled with such ungrateful and resentment. And we rarely think ourselves as the main reason we are at this state…
I am writing my next ‘finance literature award piece‘, wishing I could finish that by this year end. I have trouble completing my work. So please bear with me with some short views for now. Most ridiculous encounter? A friend of mine remorse about her spending habits so I said maybe she could start tracking her…
Last month, my 30s friend caught in a snatch thief situation. It was a mishaps turned into stressful situation. Despite having dual professional income with no kids ( Estimated household income RM10,000) , she couldn’t fork out a hundred ringgit to replace her cards. That’s USD25. One thing I notice is they buy a lot…
There is no doubt that driving a new car is a happy event in our life (if you aren’t happy you could give it to me) – until the 13th month where the car celebrates 1 year old and we still paying the same high installment from day 1. Cars in Malaysia are rather affordable…
This week’s post comes early as we are I am having a long holiday. I have read much about personal finance online that I automatically group them into the different school of thoughts and say to myself – you don’t need the next financial advice. So here what I learned about us. I may sound bias towards certain…
Another week, another numbers obsession. When I thought I couldn’t do better in penny-pinching, life offers something quite magical. And absurd when I rethink about it. Last week, I set a new record of value driven action. I do not know how else to describe it. It’s not exactly additional income and it’s not an lifestyle…
Is November gone already? It feels decidedly month 11th. I’ve stressed over all the presentations, assessment and project and when I could breathe the November air, it’s already December! And the month spending is relatively low. I already exceed this figure for December as of today (it’s Christmas). Is being busy is key to spending…
I am a sucker with it comes to budgeting in detail. The 5 minutes of figure plucking excitement nearly always ends in frustration to see that the actual figures do not go as plan. Since I am one of those who is afraid to overspent, do I really need a budget? “If you fail to…
Think about the last time you score a financial win. What was the key that made the win possible? Was it a sale, a clearance? A downgrade of your standard? Or your perspective shifted? For the longest time, I had to choose between a cup of RM13 artisan coffee or an RM2.5 tin coffee. Survey…