About Money and My Target….

The Basis of Financial Planning is knowing your goals…. Hmmm, that seems very hard to me, as my goals are too many and with my current job and pay, I wonder whether it is achievable

Hmm, but then I found a few golden rules about personal finance, and that are

1. 1. Pay Yourself First

2. 2. Live Within Your Means

When I first saw ‘pay yourself first’, means that you rewarding yourself after the work you do that makes you get that money. Hmmm…. Turn out it was totally wrong. Pay yourself First, means, you keep aside at least 10% of your money for your salary. Keep it as saving. For me to save 10% is already a great achievement and for those who able to save more... wow.

Once I heard this lady able to save a lot of her salary so that by age 50, she has a million in her bank account. Wow, and that lady is same age as me.

Live within your means, means no exaggerating in your spending and be prudent on your spending. I read and come across this tip, if you want to buy something, make sure you are going to use that thing within the next three days, and if not, just skip it. It because you are bound to come again at that shopping place.

Hmm, considering my current situation, I should really follow this rule, but at times temptations are too hard to resist.

Solution then will be…. Find more money and equipped myself with sound financial knowledge. Actually these are what I am currently working now. I do want to do something great in myself and at the same time, helping other people too. But I won’t be able to do if I do not have good plan and executed it goodly.

Now, I have to learn to focus, and stop procrastinanting and exercising more so my body and mind will be in great shape. All The Best.

Comments

What People Don’t Understand About Those Struggling with Low Self-Esteem

Living with low self-esteem isn’t just a fleeting feeling of inadequacy—it’s a deep-rooted struggle that colors how someone sees themselves, others, and the world around them. For those who don’t experience it, it can be hard to understand the invisible challenges faced by people grappling with low self-esteem. These struggles go far beyond occasional self-doubt and affect every facet of life, from relationships to careers and personal well-being. 1. The Constant Inner Critic People with low self-esteem often live with a relentless inner critic. This voice magnifies every flaw, criticizes every decision, and makes even small mistakes feel monumental. To outsiders, this might look like perfectionism or overthinking, but it’s more than that. It’s a battle against self-doubt that can paralyze decision-making and sap joy from achievements. For example, a compliment might feel insincere or undeserved because their inner critic is quick to dismiss it. “They’re just being polite,” th...

Unlocking Happiness: Lessons from Don’t Be Sad

It is from this book, which I really recommend people to read. Get The book from here Title: Unlocking Happiness: Lessons from Don’t Be Sad In a world where life’s challenges can often feel overwhelming, Dr. Aaidh ibn Abdullah al-Qarni’s Don’t Be Sad stands as a timeless guide to overcoming sadness and embracing peace. This remarkable book combines profound wisdom with actionable advice, providing readers with tools to navigate difficulties with faith, gratitude, and resilience. Here, we explore the core themes and lessons from Don’t Be Sad —a book that has transformed countless lives and continues to inspire those seeking solace in tough times. 1. Finding Relief in Hardship One of the most uplifting messages in Don’t Be Sad is derived from the Quranic verse: “Verily, with hardship, there is relief.” This simple yet profound statement reminds us that no matter how heavy our burdens may feel, relief is always near. Dr. Al-Qarni emphasizes patience and trust in Go...

Living with Low Self-Esteem: How It Affects Life Even at 42

I am 42 this year, and I recently discovered something that my friend warned me about years ago. At the time, I didn’t think much of it, but now, I realize how right they were. They told me, “If you don’t work on your self-esteem while you’re young, it will affect your life later on.” Well, here I am, 42, living proof of how true that statement is. I’m someone who has struggled with low self-esteem for most of my life, and it still lingers, affecting me in ways that I never imagined when I was younger. It’s not just an abstract feeling that you can ignore—it shows up in the small, everyday moments and, unfortunately, in some of the bigger ones too. The Daily Struggles of Low Self-Esteem You might think low self-esteem is just about lacking confidence in social settings, but it’s deeper than that. It can impact your decisions, your relationships, and how you see your own worth. For me, this manifests in several ways: Overthinking : I replay conversations in my head, wonderin...

Just a ranting about life, minimalism, gardening, kitchen, food, deco

Search This Blog