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Archive for October, 2006

Coffee

October 29th, 2006 at 06:14 am


Abt few years ago, I used 2 spends lots $ on cafe like StarB, CoffeeB, SanF, Dome(Not only buyin coffee, bt u wil stil orders some cheesecake & treat frens too).Now i quit tt habit months ago, coz longer workin hours in my new job.

1. Now only go cafe if i got date w/ my frens (no more wanderin alone there)
2. Try choose SB bcoz my HSBC CC got 10% off total bill instead of other CC.
3. Mk homemade coffee & get it all free in my office (I spend 12 hours/day there)
4. Less coffee bt more g.tea - healthy lifestyle

*Total cn save me up go hundred each month w/out quit coffee Smile

End of Oct 06

October 29th, 2006 at 02:24 am

My up2date debts status on Nov 06
==================================
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*


Wasted RM8

October 26th, 2006 at 10:01 pm



*Similar pic tooks from online*

After waitin Grace finsih her Yoga class, v went 4 dinner nearby an open-air hawker centre, called "Ming Tien". Lots delicious foods cn b found here & the price quite reasonable (most of them).

A bowl of potridge & plate of steam chicken (3.5)
A plate of fried Hokkien mee (4.5)
A plate of squid & spinach (8)
A glass of watermelon juice (2.4)
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Total of RM 18.40
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A bit regret ordered tt squid & spinach coz it taste bad & most expensive dishes here. Cnt even finish it, wat a waste.

Lesson: Dont order too much of food until cnt finish & end up wasted (mean waste ur $ too)

I felt lucky

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.

Monthly Expenses 2006

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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Dining at home

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.