October 29th, 2006 at 06:14 am
Posted in
Saving
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2 Comments »
October 29th, 2006 at 02:24 am
My up2date debts status on Nov 06
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CC Debts:
Citibank 4.8k - 800 = 4k
BT 1.4k - 300 = 1.1k
HSBC (M) 3.9k - 200 = 3.7k
HSBC (V) 3.3k - 200 = 3.1k
#From 13.4k to 11.9k (pay interest 110)
*Bro stil owes me RM4330*
Posted in
Debt Status Updates
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1 Comments »
October 26th, 2006 at 10:01 pm
Posted in
Wat a Waste
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2 Comments »
October 25th, 2006 at 04:35 pm
Altot I got CC debts & car loan bt I dont hv study loan, mortage... Tt's y I felt how lucky am I compare w/ other ppl who facing bankrupcy, tons of family's expenses & lots.
Im optimistic person, healthy & young, got a steady job & blieve my future wil b better than now.
Im glad wat I was now, CC debts was my fault. I admitted & cnt blame any1, tt's y i tried so hard 2 paybck now. Slowly bt no too late, i guess.
A car was my useful transportation tools, Im car pool w/ my gf. Which cn fully utilise my car w/out waste park at home. v drove so frequently, no matter weekdays / weekend. (either 2 office / shoppin mall, even outstation sometimes)
Cnt save a penny now, as long as i settle all my CC debts. Hopefully wil b done w/in 1 year.
Then wil start invest more in Mutual Funds for long term goals, eg. travelling, apartment & retirement. Will aside 1 a/c as emergency use.
Now Im using Maybank as my paycheck comin in & out ; PB as my future saving a/c. I got holdin a fund too, wil top-up monthly after I getting out of debts.
Posted in
Uncategorized
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4 Comments »
October 25th, 2006 at 04:09 pm
Car loan -RM450 (Still left 7 years)
Gas -RM300 (Wil b higher soon)
Daily Expenses-RM200
Medic Insurans-RM200
Grocery -RM100 (Cn reduce slightly)
TMnet -RM 88 (Stil left 10 months contract)
Phone -RM 30
Toll & Parking-RM 25
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RM1383
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Posted in
A Must Expenses
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0 Comments »
October 25th, 2006 at 03:54 pm
I stayed w/ my family, so I always cn dine at home anytime. Tt's save me a lots coz dinin outside wasn't tt cheap nowsaday. Esp if i went out w/ my gf, v luv eat Japanese Buffet / sth fancy. Tis cost me around RM50-100+.
Since stil waitin my paycheck out in tis weekend, v both decided cook at home. I got all the supplies in my mom's frigde :P V jst ned 2 prepare & cook only.
Bt v wil purchase groceries at least once in a month bcoz v only ned 2 cook during weekend or "Mom away from home" period.
Posted in
No Spend Day
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0 Comments »