FINANCIAL MUSE FEB 2017

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…

Stop Complaining, Start Compounding

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…

TALK: ON THINGS INVOLVES MONEY

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…

How will your 30s financial look like?

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…

Money diaries: Beyond all measures

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…

Money Diaries: Nov 2017

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…

Blue Ocean Shift In My Spending 1

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…