28 Dec 06
----------
Car installment - 450*
Parkin + LRT - 18

29 Dec 06
---------
Lunch - 10*
Teddy bear - 35
Nichii - 70
Parkin - 6
Dinner - 10*

30 Dec 06
-----------
Apt Rental - 200*
Mobile Phone - 90
BB cosmetic - 170
Watson - 35
Lunch - 15*
Ace Hardware - 35
Ikea - 50
PetShop - 12
Tesco (dinner) - 40*

31 Dec 06
---------
CC (HSBC - 480)*
(Citibank - 500)*
Gas - 50.10*
Lunch - 10*
BB - 140 (cn get bck)
Dinner ??
Party & Drinks ??

* = Is a must, other tt cn cut or reduce
Total = 2,436++ (My whole month salary, wow~) My wallet left few hundred only, most of $ wil b spend tonite... how 2 survive after tis NY 2007?

I guess jst ned 2 work & stay at home. Dont wanna go out anymore *sigh*

Up-coming xpenses:
Car insurance & Road tax - 1000
Car service - 200
Valentine & bb bday - ????

CC Debts:
Citibank 4k - 500 = 3.5k
HSBC (M) 3.6k + 1.6k - 200 = 5k
HSBC (V) 3.5k - 500 = 3k

#From 10.6k to 11.5k (increase 900 due 2 xmas season)

*Bro stil owes me RM1100*

Tis month spent A LOTS!!! *sigh*

*sample pic
Ytd chat w/ klly on MSN, she got a pair of tutles in her shop 4 a FengSui purpose (biz wasn't tt gd, sigh)But 1 of of d turtles was blinds, hmm... actually it dont hv eyes at all.

Tt's weird, I nv seen a turtle w/out eyes... She said wil return it 2 petshop & get another 1 bck. I asked her gv it 2 me, instead of return bck.

So tml after fetch gf 2 office wil go buy some foods 4 it & get it from Klly. Hvnt think of a name yet, any gd name out there?!

Cn any turtle xpert there gv some advices? Wat's the DO & DON'T feedin a baby turtle?

27 Dec Rountine
----------------
Wakeup at 7:30am
Mk coffee & fried hotdogs as break1st
Workin at 8:30am
Lunch at 2pm+ ($4)
Bck at 8:30pm
Dinner at home - Speghetti w/ mushroom (2 ppl - $12)
Watch soap drama until 12 & sleep

Tml holiday, yeah!!!

Moved 2 my new apt almost 1 month, stil dont hv any sofa in our livin room...Bt out of sudden, my best fren Zeenie called me ytd & wanna gv me her old sofa (instead of throwin away).

She plan buyin a new set of sofa in Feb (b4 CNY) bt the old 1 stil looks new & gd in condition. Some more she tot throwin away was a waste & ned 2 pay 4 the movin cost too. So she decide deliver it 2 my house, tt's mean i got a FREE sofa & no deliver cost as well.

Coz she knew my place still lackin of sofa, keep on persue me accept it as the sofa still looks new & very comfortable..blah blah... hahaha, no reason I reject her, rite?!

Wat a gd xmas gift,TQ... :P It save me few hundred $$ now

Im plannin enroll some courses in next year 2007. I dont wanna be a Level 1 support in d rest of my life. Therefore, I ned 2 learn some skills & obtain a pro cert b4 I cn changed my working environment. Bt I'm puzzled which courses shld I attends?

MCSE 2003: Security Specialist?
CCNA & CCNP?
Oracle 9i?
Linux: Sys Admin?

Any gd advise/suggestion would b appreaciate, thanks~

Bside, I wish 2 apply a personal loan 10k (courses - 5k ; 2 CC debts - 5k) w/ interest rate 8.99% & 12 months period. I dont know izzit a gd move?!

Since I was pay all my last penny every month 2 my debts. I didnt left any xtra $ to enroll above courses.

My 2/3 paycheck was gone 4 CC debts (i pay 15%, instead of min 5%) & monthly Car installment. If I tk tis personal loan, situation wont change much, jst wil save half of the interest on my CC. (P.Loan 8.99% ; CC 18%)

My Q was shld I tk a personal loan 2 paybck some of my CC debts & enroll some course 4 a better future? Which I cn start immediately bt higher risk...

Or I shld pay bck my debts asap then only save 4 the course fee? It wil tk abt 9 months + 3 months later then only I cn start study, a bit too late... coz TIME = $$

(Similar design)It cost abt RM1xx (Opss... my gf wil know by now) Altot it wasn't a luxury gift, bt i really hope she wil like it. As u guys all know tt women wil crazy abt any 'shinin' object, hehehe~

Xmas was jst around d corner, everybody was bz deco their home, buyin gifts, plannin where 2 go... Altot I stayed in Asia, bt everybody here was so xcited abt Xmas

I was wonder, wat kind of present tt u all plan 2 gv 2 ur partner? I mean some1 special 2 u, u cnt jst simply buy sth & gv away, rite?!

Luxury gift? Useful stuff? Fancy dinner for 2? Or a simply DIY xmas gift/card? Which 1 was ur fav? I hope I cn cook myself & DIY sth special 4 my gf, bt unfortunately my cookin & design skills wasn't qualify enuf, haha...

Any1 got any gd idea? Cn share some? Would appreciate all advice / suggestion... TQ!

*No 2 mention, my gf was an romantic pisces woman,bt Im ego Leo kind of ppl

Last week was a bz week 4 me & gf. V finally decided wanna move out from my family & rent an Apt nearby office. It was a new apt, everything was jst furnished & only 60% of space got rent out/occupied.

Some xtra xpenses occurs, like rental,gas,water & electricity bills. So far no phone line/internet service yet. V dont plan install it too, as v cn mk call usin cellphone & surfin durin office hours.

Whole apt consider quite big 4 both of us, stil left 2 empty room. Wil plan rent out soon, bt jst wonder when only Since tis was my 1st time movin away from home, nothin much in our apt. V bring some cloths, queen size bed, cabinets, table, chairs, kitchen utilities & lots of cushions/pillows :P

No TV,Hi-Fi, Air-con, water heater, refrig, microven, not even sofa...so, our electricity bill wil b very little. I was thinkin 2 top-up those facility 1-by-1, since I dont wanna pay by monthly installment. I hope my decision was right, coz when movin-in here aledi cost us some $:

Rental x 2 months
W&E deposits
Moving transportation xpenses
Contract & Agreement fee
Some basic utilities

Bt v r happy so far, finally got our own home sweet home. Altot there wil b xtra xpenses monthly, bt if plan carefully I think I cn manage

Now wil try rent out those empty rooms 2 relief some of the cost.
Try find a 2nd-hand TV & water heater.
V done most of our laundry once a week in my parent place.
Since v stayed in 14th flr, quite cozy & cold durin nite, not ned 2 install air-con at all. Fan was more than enuf

So far v cook durin my offday & Tesco was really nearby. V brought some meat & vege, spend abt 1 hour less & our dinner was done. 3 dishes + 1 soup + rice = 2 ppl only spent RM10+. Most of the time less than RM10 too bcoz v cnt finish all too... haha.

Wil consider buy a small refrig next month, if my xmas gift 4 gf & daily xpenses nt xceed my budget. So far our entertainment at home was watchin movie/soap drama in my laptop / listen radio / reading. Looks quite pity, ha!

Dont worry, jst half month movin-in, stil left plenty of time 4 us 2 add-in tis & tt. Im sure slowly our home wil bcome really a home sweet home :P

CC Debts:
Citibank 4k - 500 = 3.5k
HSBC (M) 3.9k - 300 = 3.6k
HSBC (V) 3.9k - 400 = 3.5k

#From 11.9k to 10.6k
*Bro stil owes me RM1200*