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

Considering that I haven't been updated my blog regularly that I used to do, even though I know that I like writing and composing and I always have trouble to think on what I should write about, so, I decided to write things that matter to me. And today, that matter is buying a new expensive mouse. Previously, I bought a cheap mouse that cost RM12, around USD 3,  and it do not working wonderfully. It hurting my hand as I have to use a lot of strenght whenever I want to click on something and as time passes by, it getting on my nerve. So, today, I decided to buy a new mouse, that cost RM79.90  and with 20% discount, the price has become RM59.90 ( around USD 13.60). Lucky for me. But as I used it for like five minutes, I love it. I guess, this is  what people are  saying, if you want a quality product, you have to pay extra. But, I do not mind to neglect on the quality as long as it bearable and more important thing it is chaep, but if it getting on my nerve, I...

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....

Money matters... that's all I have to share, because I do not know where to start. But, let's look at these posters that I took from Facebook, ...

As my work would not allow me to get increase through over time work, so, I have to do this - be frugal. I have to, as I'm going to be 30 this year, I should have a lot of saving. Currently, I do have a little saving, but as I will have to use for my big expenses, it will   not enough. Moreover, I have to start thinking about future, seriously. I try my hardest not to go to town without any valid reason and refrain myself from buying unnecessary things. Therefore, I was surprised and angry when suddenly my phone charged me with the things that I do not used. It makes me furious and sad. I work hard to save the money, and this phone company could do that to their customer. And since I become phobia, i kept checking my phone charges. I do not want it to happen again. Some people said, that it much easier to earn more than to spend less. Maybe for some people. But as for me now, I'm started to build my passive income now, so, it much wiser for me to keep saving an...

 Recently, I got my salary. And I do my calculation for the things that I need and must pay... and oh oh...it wasn't good at all. It hard to make the end comfortably. With the things I have to pay and things that I have to save and spend, the figure is really frightening. Before this, this matter doesn't really scare me much, but this month, has been different. Maybe because starting this year, I will be starting to be 30, I begin to feel more responsibility and thinking more rationally. Ok, I think the biggest starting point was since last year, I do a lot of big expenses, like helping my parents house decorations and renovations, buying my first house  (yeahhh, I got my first house) and went for trips ... I felt it was so exciting to actually have a trip. It widen my view of the world and it was so fun, engaging and entertaining that I will not mind to go again. But it cost money to go there even though many were saying that our trip is really cheap.Then I als...

In my quest to find how to be rich, to be financially independent, to be able to settel my loans fast, I discover, no magic formula, except that I found this harsh word that is FRUGALITY.  I have to live frugally in order to achieve my financial goals. That's goes my dreams to do so many things if I want to achieve my financial goals. It makes me felt very sad and burden. As much as I wan to do and have so many things, I have to delay it until I really stable. Thinking back, the loans that I have now already burdensome to me, I cannot adding more debts.  Then, the other important matter is discipline. It takes a lot of discipline to achieved my goals. But my questions is, should I sacrifice to the extent of making me feels miserable, as long as I follow this rule? Like example, I have a problem with housemate, so I decided to stay alone, and I know I save money more if I share, but it will make me miserable as my previous experiences has taught me very bitter experiences. ...

Hmmm.... money is really a very sensitive issue, isn't? And it kind frustrating to see when the salary come in, more than half of it go to pay loans... and loans are still there... and then I start counting days when I can finish pay the loans.... When I'm starting liking surfing internet, one of the blog that really inspired me is Amy Bass blog... her freedebtgoal blog. It is good blog. She will post how much she get from her online earning journey  and I think her hard work has been paid off. That's good, isn't? Once, I found it ridiculous to have two jobs in order to earn money, but now, I find it normal and even if that person has more than two jobs I found it normal now. Considering so many pricing hikes nowadays and the need to fulfill so many wishes and desires, having extra jobs is common. I know someone who has more than two jobs. And now i found it ridiculous when people kept complaining having not enough money and yet do nothing about it, but at the s...

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 spe...

Do you know the important of saving? I do, but I do not exactly practiced it, until recently.  Maybe I do not realized how really important for me to do saving. This is the table that I got from reading Azizi Ali’s book  ‘ Millionaires are from a different planet’. The table shows how you can have a million ringgit assuming of 9% annual return every year. Age Monthly Savings (RM) Interest (%) Total Earnings (RM) 20 340 9 1 million 30 892 9 1 million 40 2,643 9 1 million 50 13,258 9 1 million But I’m 27 now… and I do not think I save that much amount of money every month. I’m 27, so the money I need to save is around 700 per month?.... wow, then I have to live frugally if I want to. That means, selling my car, and change to a more affordable car, finding a housemate, earn extra money, like doing tuition, writing, and maybe helps my father at the farm so he can give me some money....

This week has been a very challenging week for me as a few unhappy things happen to me. First, I’ve been inflicted with a disease, well, its not that bad, but finally it require a minor surgery and second, my car’s back mirror broken without reason. Wahhhh, what a day. At first, I thought to use my insurance policy to pay for my back car mirror’s, but I found out that I do not include mirror in my policy claimed, and if i still want to use my insurance policy, i will be losing my NCB, ohhh, and it getting worse as it need to go throuh so many things, like need to lodge a police report and it need to wait  a few days before the car can be fix. Ohhhh, how can I wait for that because I need my car everyday. So i opt to pay for my own. This is the picture. Wonder how it can happen considering nothing hit my car, and it at 9.30 am, morning, it’s not hot. Second, i’ve got this medical condition and it wasn't pretty. One visit to a private clinic has already cost money, and imagine y...

This is part two of money beliefs 31. It's all in days work. 32. Save for rainy days (my favourite) 33. Give the devil his due. 34. A penny saved is a penny earned 35. You can't take it with you. 36. Don't look a gift horse in the mouth. 37. They earned their money the hard way. 38. Make an honourbale living. 39. Don't bite the hands that fees you. 40. Don't spend it all in one go. 41. Don't spend more than you make. 42. What will I do with all this money? 43. Finders keepers, loser weepers. 44. Don't be penny wise, dollar foolish. 45. You have to spend money to make money. 46. No pain no gain. 47. Nothing ventured, nothing gain. 48. One mans loss another man's gain. 49. You can't get blood from a stone. 50. You can't get something for nothing. 51. You get what you pay for. 52. Whoever loves money never has money. 53. I was never good at numbers. 54. Pay as you go. 55. Pay the piper his due. 56. Business before pleasure. 57. It is easier for a ca...

Everybody has their own money beliefs, and I found this from an ebook that I currently read. So, which one is yours? Which money beliefs is the correct one? This is the part one of 30 money beliefs that we can easily found and heard from people. So, which is your money belief? 1. Money doesn't grow on trees. 2. Do you think I'm made of money? 3. If you have money, you make money. 4. The rich get richer, the poor get poorer. 5. A fool and and his money are soon parted. 6. Money is the root of all evil. 7. Rich people are greedy. 8. Money burns a hole in your pocket. 9. Money is hard to come by. 10. Money is no object. 11. Money is power. 12. Money isn't everything. 13. Money talks. 14. Put your money where your mouth is. 15. Follow the money. 16. Time is money. 17. Poverty is no sin. 18. Money makes money 19. Let the buyer beware. 20. Money doesn't buy you happiness. 21. Beggars can't be choosers. 22. If wishes were dollars, we all would be rich. 23. The further you ...

Money, something that always keep going on my mind, and sometimes I make my life led by it. Even though I know, that money is not everything in this life Waste your money and you’re only out of money, but waste your time and you’ve lost a part of your life. Michael Leboeuf The rule is not to talk about money with people who have much more or much less than you. Katherine Whitehorn Never work just for money or for power. They won’t save your soul or help you sleep at night. Marian Wright Edelman You have reached the pinnacle of success as soon as you become uninterested in money, compliments, or publicity. Thomas Wolfe If you want to feel rich, just count the things you have that money can’t buy Unknown source Time is more valuable than money. You can get more money, but you cannot get more time. Jim Rohn Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one. Benjamin Franklin Money is only a tool. It will take yo...

People need money. Like me too., of course I need money, I’m a people. Who doesn’t? well, I’ve heard that money cannot buy you happiness, but money makes the world goes around. Money cannot buy you happiness, but it fulfill many of your desires, and thus it makes you happy. Well, but it doesn’t mean that money is everything, but somehow money is very very very important. But money cannot give you EVERYTHING you want like peacefulness and pure happiness. But how can money not be my priority when at the age near 26, I just managed to hold a good job, yet face many difficulties and desires and hope to be fulfill? Hope and desires that can only be fulfill with money and it become more hurt for me as at this age I already have debt. My education loan, my car and people’s loan especially my parents. When I said to my friends about my spending habit where I choose only the cheapest and I always have doubt to buy, he said I’m a stingy person and I should not do that. He says money can always b...

For me, the main reason I start blogging is because I want to earn money. I learn that there are so many ways to earn through blogging, but turn out it wasn’t easy at all. Even though the earning that I hope is not yet achievable, but I learn other thing in the process. My friend now has become an author, and at the back of the book it stated “ write whatever you know”,. At first I was skeptical, and now I know why. It as a way for me to be able to express my opinions, and at the same time to gain knowledge. It is not easy at all to maintain a good blog without a good knowledge. Through blogging, I learn many things beside how to earn money through internet. I learn to be patient, persistent and hard work pays. I learn I cannot give up easily and I learn that there is always ways to any problems that you face. Yes, I meant it, problems. My main problem? Money. I know, money is not everything and money cannot buy me a happiness, but money can get the things that I want. ...

Have you ever felt like you want to scream that you seem to be at the end of the road? I have and in fact I am now. Well, what matter that so serious that could make me so stress now? It’s none other than the increasing price, almost all the necessary things, the price has gone up. I am scared. Really scared. What I earn now will not possibly enough to make me survive a month, so how should I lead my life? I rarely hardly going out for fun and hardly shopping for cloth, and now I have extra bill to pay, then what should I do? But, that is life. Whether you like it or not, there will be time in anybody life that we will face situation that we hate it. My mom told me that I gained nothing out of complaining. It only make my heart more sick than it already has. Law of attraction reminder : You cannot focusing on the things that you do not like, because then you will attract more of it. In my case, the lack of money make me feel miserable and hurt. Speaking about Law of Attraction, one of ...

In malay, money is call as ‘duit’ pronounced it as “du-it”. I know a lot of people say money will not make you happy but the thing is without money, life will be miserable. Here I am at the age of not yet 25, has been burdened with the money problem. I hate it. My father is a farmer, but never in my life have I felt difficult. Well, of course my life is not luxury, but I never face a situation where I cannot eat because of money. My father train us to live as it is, and always be thankful to what I had. And for that I am very thankful. I remember, when I was in university, when my friends are busy with cloth and make up, I do not feel the necessity to have that kind of stuff. At the age where I just get away from parents, all those things never influence me. ( maybe a bit, but I always see myself as ugly, so that’s no need for that) I do not mind wear the same cloth as long as it still can be wear and I will continue to do so, until I enter a society world, a world of occupation. ...

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...

Is it related? For me, yes, but not entirely true. That’s depend on personality, conditions, age, responsibility, and other factors as well. See this · Taylor ’s scientific management (1911) Workers are motivated mainly by money Suggested piece-rate system · Maslow’s theory (1943) People are motivated by hierarchy of needs, which includes money · Herzberg (1959) Money either dissatisfies or is neutral in its effect But from this blog ~ Money does not create motivation. But it can produce movement. ~ Money and motivation are not linked. If people don’t like the work they do there must be a reason. They may be doing it because they don’t have a choice; because they have to food on their table. ~ The reality is that most people work because they need to feed their family and pay the rent and one has to respect that. Loving your work, finding purpose in what you do, is a real privilege. One cannot role do...

Money is very important matter. Even the world is run by it. The richer get respect, recognition and appraisal from many people. The poor? It’s the contrary version from the richer of course. It is important to have money, if not, I will not able to buy computer at this time and typing because I need money to buy computer. From wikipedia, money is any token or other object that functions as a medium of exchange that is socially and legally accepted in payment for goods and services and in settlement of debts . Money also serves as a standard of value for measuring the relative worth of different goods and services and as a store of value. Money also represents freedom, security, happiness, and other things. Conversely, the lack of money may represent restriction, insecurity, and unhappiness and it worse if you in debt, it put you in constraint situation. It become worse if your debt is running for your life. The way you perceive money will shape how you will react to it. ...