[#MoneyGoal] How To Save MYR10K?

Two years ago, I set my goal on certain things especially on my financial status. Today, I am glad to have achieved my goal, slightly delayed but I am still happy about it.

I aimed to earn certain figures per month and to invest RM10K in fixed deposit. I am so grateful that I had successfully hit both my goals. I believe I could have saved more than this but I have decided to spend some money for personal satisfaction and family.

 I have yet to achieve my financial freedom but I am on my way.

HOW DO I ACHIEVE IT?

  1. Saving Is My First Target

Somehow from childhood I have cultivated a strong habit for saving. I don’t waste things. I have attached a strong negative emotion on wastage in all possible ways. I believe that anything can be reusable with little bit of creativity.

When I moved to KL for survival, I ended up with two Maybank accounts because the Company I worked for want me to have an account locally. They have done a great help with this. So, I used one to channel my incomes and another to deposit savings.

The first transaction after the salary deposited is goes straight to saving. I make sure I associated a strong positive feeling on this. I trained my mind as such that if I started off with spending its forever will be spending. It’s worked well for me.

  1. Concise Spending Is the Key

I think my family members and my close friends knows that I am very calculative when comes to money. When I have decided to scarify this for someone, then the person should know that I have undisputed love for them. Other than that, it’s always $$$$ that I count.

I am very concise when comes to spending. I am a smart consumer. Of course, once I was a lousy smart consumer. I tend to waste a lot of precious time thinking being smart. I tell you what, walking the same shops for multiple times and day aiming to find the best for the money is not smart at all. Time is more precious than anything else in the world. So, don’t lose it.

I learned to drop my habit of buying cheap products and picked up an attitude to spend money for branded items yet value for the money. I found myself comfortable with high self confidence. I am a happy girl now and I have no regrets for spending money for valuable branded items.

  1. Emotional Control

Ok. I am an emotional person, that’s for sure. But, when comes to purchasing I don’t throw emotions into it. I always examine the necessary the each purchase. I’ll make it’s in priority list; If it’s not I’ll hold it for the next time.

I think we spend most of the money to unnecessary products only because we have attached too much of emotional to it. This could be hardest thing to practise at beginning but worthy to practice.

I would suggest to starts slowly until you master it. Wish you all the best.

  1. Scarification Is Not To Be Missed.

Of course, gaining comes with a lot of scarification. It’s not easy without scarification; and scarification itself is not easy.

There is an advice by money experts “The money we are earning from basic incoming is not ours to spend”. I’m not asking to you to stop spending but do that little scarification of one/two shirt instead of bulk purchase, plan your purchases monthly instead of emotional purchase or develop your creativity to reuse the things.

  1. Have That Analysing Mindset

I think as a person and human being analysing is a basic requirement we must own. Even though analysing anything and everything doesn’t bring much benefits but it’s better to analysis anything to do with money.  The truth is money is not easy to earn but so easy to spend. Marketers are coming with all kind of creative ideas to manipulate your emotion and mind to trigger that purchase. We are easily brain-washed with all that attractive cosmetic, fashion, style, hair products and etc … etc … ads. We are without doubt being manipulated.  Don’t you think so? So, learn to make your own decision.

I WISH YOU ALL THE BEST. KEEP WORKING ON YOUR MONEY GOAL.

tatta, (bubbye)

#tamaka

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#SelenaGomez #Lupus #KidneyFailure #afriend #Inspiration

Have you guys heard it?

Selena Kidney

This is the most saddened, surprise yet inspiring news for this September month.

Selena found she has a sick called lupus back in 2014. Seriously, I got to know of this word only through her. “Lupus” it’s an autoimmune disease where your body immune system turns against your body parts and tissues which it’s supposed to protect. At worse, it can affect your bone density, heart, liver, pancreas, and brain.

That’s what happened to this famous super cool pop singer #SelenaGomez. So, she had to go through a kidney transplant. Another super cool fact is that one of her friend named “Francia Raisa” is generous to donate her kidney for her. I mean I have no words to say. Would I do that for my friend? I’m totally doubtful on myself. “Francia Raisa” you have my utmost respect.

Just before she had the surgery, she released her new album song Fetish. Watch it here My question now is; she had all the money in the world to take a break to get rest or even to quit her career to live her own life. Why the hell, she need to work (I mean so) hard to release an album before the surgery? Oh!!… COME ON!!…

Right after the surgery, she announced her new collaboration with “PUMA”. Do I have a word to describe how she had inspired me with her act? No, I don’t have.

Puma

I mean have she had the surgery? It’s so invisible.

How old is she? What!!! Just 25? Where the hell, she got this much of inspiration from? Where she finds her motivation to put that work equal to her life?

If I were Selena, would I have done the same? I don’t think so.

She showed me how serious we should consider our work is.

She showed me how committed we should be to our work.

Nothing gets to higher other than your commitment to the work.

tatta, (bubbye)

#tamaka

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[Street Life] Pasar Seni #KualaLumpur

I never thought being early at street and witness the daily life can teach me life changing lessons. From ordinary people to a beggar, it requires consistent hard work to survive. The street lives I had witnessed had inspired me to work harder. The daily hustle of ordinary people reminds me how laid back I am. So far, it’s been a great motivation for my life. Thus, I have created these series, hoping it will inspire you too.

All pictures shared here are mostly captured on early morning to best reflect the hustles. All snaps are taken within Malaysia unless stated otherwise.

The sweeper who is working hard on weekend for that low salary because he has family to feed. 

The feeling of ignored on our country when we are struggling to secure a job while foreigners are easily starting up a business.

The hardship of surviving of ignored and abandoned people in the city. Life is not fair for everyone. Surviving is the most things in life.


This young couple are around their 70’s wondering around city holding hand. What a great message for a great marriage life.

This is More than Gender Discrimination

Embed from Getty Images

 

“Oh, it is a woman driver”.

Wait, what does that means?  Why women are stamped as poor driver? How the driving skill associates with gender? Are you saying we do not have worse man driver? How such perception is formulated?

Let’s put aside the gender discrimination. This is more than that. Are you brainless or you do not own one?

One shouldn’t be addressed as incompetence just because she follows the common traffic rules. There is nothing wrong in putting an indicator while changing lane even though the road is clear.

There is nothing wrong in driving slow if she can’t find any reason to add pressure to that poor accelerator. The difference from pressing and not pressing the accelerator is not the skill but the need for it.

The misbehaved on the road linked to their own attitude. This is nothing to do with their gender.

I have seen man rushing for no reason. I have also witnessed man honking to elderly couple for taking their time to cross the road. This is personality. This is an attitude.

Skills are genderless. We have men chef, we have lady pilot. One should be shallow minded to discriminate this based on gender.

#AvoidGenderDiscrimination

#UseBrain

Tatta, (Bubbye)

#tamaka

Note: The opinion is purely mine.

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My Eight Years Journey Come to An END

It’s my last day. My eight years journey has ended officially. My second home is no longer belongs to me.

That is how I felt on my last day at my ex-company on 8 February 2017. This Company had guided and protected me for past eight years. It had seen me laughing, arguing, shouting, crying and grieving. It had seen the worse of me.

This Company had protected me at all times and refused to let me go. It taught me to be bold and brave. It gave me an angle to cling unto to develop my career. It formed me to who I am today.

I could not imagine where I would have end up, if she failed to hold me tight on my stuff times.

I have met all kind of people here. Luckily, I managed to find few close friends that I can always count on. To celebrate our friendship, SunRaj & Nasi Lemak Bumbung had officially become our “spot” to hang around.

On my farewell, this young Malay lady told me that she wanted to be like me. These words made me to believe that I have done some right things in my eight years journey. It is a wonderful feeling to get to know that I have inspired someone.

These few of my colleagues were so inspiring on their own way. I have no heart to leave them behind. To get rid of this guilty feeling, I bought some token of appreciation to all of them on my last day.

In return, they had a farewell party for me. They made me to give speech which I rarely do. I could not hold my tears and I don’t know why.

They made me shock with their feedbacks on me. They perceive me as “garang” fierce, rowdy, rough, scary and Durian.

Yes, you heard it right, “Durian” which means “hard outside, soft inside”.

I kept telling myself “These are bunch of kids and they are kidding me”.

The best part is the gifts. I got best gift ever.

PIANO –My heart jumped out when I saw it on my table on early morning.

Water Resistant Pens –Do they steal my wish list?

Faber Castle 8 PITT Artist Pens – This is damn invaluable.

Bluetooth Earphone – Damn, how do they know I hate wires?

Ferraro Roche – I love you guys. I really do.

A Vinayaga Statue – A pack of blessings.

Thank you so much guys. You made my day.

P.s I wore my favourite turtle neck “POne” t-shirt on my last day as a sign of appreciation. I am hired for “Pone” and I left as “Pone”. You will stay forever in my heart “Pone”

I chose to share snaps that best reflect the emotions we had on that day.

Tatta, (Bubbye)

#tamaka