Wednesday, December 10, 2003
:: listening to : Makin Aku Cinta
By Kris Dayanti & Anang
:: reading : Reader's Digest - December 2003
Financial planning? When I went back home for the Hari Raya Holidays..my mom and dad will always bombarded me with questions about..NO..NOT ABOUT WHEN ARE U GOING TO GET MARRIED..(though my dad did ask me if I had any boyfriend?) but my financial status...Questions such as;
*So did u get any bonus this year (understood that towards the end of the year this company where im working at will gives at least 2 month of bonus..though..if they would like to gives more..I'm more than willing to accept..haha) next question
*So have u save enough..for your home downpayment? duh?!! I was like..hello..I've just been working for a year and a half..I wanna get my own place yes...but maybe not now..Don't they know that it is hard to put aside some money monthly when u are staying in KL and evberything is money..
*How much do u save every month?
On top of that my mom will start her lecture on how she made it when she earned about half what i'm earning now..and how all of us (her daughters) always complaining that it is hard to save nowdays..money is always scarce..and you know what...though we earn more..then came the story about this guy..a hospital atendant who manage to have a family..car..home..renovations..education for his kids..duhh??? I swear I dunno how he manage it..
Hmm..and lately guess what I've been reading to enriched my knowledge on financial planning..besides my regular collection of Cleo, Eh!, Her World, Impiana etc..is now Personal Money..and this magazine which I can't recall right now but it got to do wit property..and yes it is local.
So here's my plan..after some homework..buying a property is some kinda investment..basically i will go to PWTC this weekend..for home ownership campaign where developers..financier and the prospect home owner meets.. and do more research..I've understand that now we need to have at least ten percent as a downpayment for a new house..which means if I aimed for something about 100k..I should have 10k as a downpayment..then I should have calculated how much I need to save very month..and how to makes the money grows..or how to start the investment that will multiply the money over let say 2 years time..
I will also consider to buy investment like insurance...for retirement funds..or more towards money for the raining days..hah..ha...And I think this is my priority for the time being..
Cut out less on my spending..which means less hanging out in the shopping mall..or my plan will not work..heh..
Well..well..so ambitious...
Tuesday, December 09, 2003
Ok..enuff bout that..so what's pleasant to write in the opening..emm..emm..whatever..im in the office right now..and having my boss to pass by me every half and hour..so gotta be careful..kantoi la pulak karang..hah..ha..
Life is kinda slow..actually it has been like this since Ramadhan..longing to meet my friends..cant wait for the weekends to come..to catch up a thing or two..
However...the most important things is I really wanna spend my time with him..alone...waaaaaaaaa!!! miss him alot..
