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

I'm 30 this age... it so unlike me to tell the world my age... heheheheh, but why should I shame with my age? It just a number. So, about 30, what about it that special? Many my friends are already married and have children of their own. My time hasn't come yet. So, what I do now is to focus on my current situation - to improve me. Life is about so many things, but the thing that I pursue, is calmness. Calm about that I believe in my religion, I have family that I love, a stable career, friends, and more. The list could go on. I am thankful, so I want to focus on what I have, instead of focusing on the things that I do not have and the things that concern me, that if I do not tackle it now, it will become  a big burden to me in the future, and that is paying off my loans. I read somewhere that if I focus on that thing, that thing will coming back to me. Like I am focus on loans, so I will be getting more loans. So, I focus to earn more money and I can pay off my loans....

Debt, the word that really haunted me currently and how I really hate the word. Me myself, after getting a degree and without yet securing a job has already has a debt to pay. Isn’t it nice if there is no debt? More over with interest that sometimes will increase more than the one I borrow, debt really make me having headache. There are many website that offer services to help people like me to reduce debt, but to find the good one is difficult. The one that is free and of course good is a criterion for a person who is already has a debt loans mounted and there are so many possibilities that I will make more loans in the future, thus I need to know how I can reduce my loan. Debt loans is really getting on my nerve, but somebody told me that life in today world is like this, you will have a debt and loans. Unless you from a very rich background where you can afford to buy everything cash, then it will be a different story. If you are looking to consolidate your debts an...

I pursue my degree with education loan, and today I received a reminder that I need to pay it and what I do not understand is how the interest is calculated. And it become more funny when there is monthly administrative charge been imposed every month. So isn’t the total will be like more, I mean terribly high? But again, how can bank and all the financial institutions survive without interest and the so call administrative charge? But is it had to be really high? I once worked at bank call centre, and I had many conversations with customers about the card credit problems and it wasn’t pretty at all. But who can resist the temptation of having card credit and can buy what you like online and offline easily. But then at later date it will bring trouble. Right now I do not have credit card, only debit card, but my brother said, credit card is needed especially on emergency times. Is it true? There is a malay proverb, prepare the umbrella before it’s raining. But how can I? in m...