Ifeel100's Personal Finance Blog

PRSF - 13.8%
PITIKAL - 14.24%
PDSF - 12.73%

(4 Months+)

PAIK - 5.97%

(3 months)

Not bad rite?!

So long didnt dining outside, 2day me & Grace decide go 2 1 of the Thai Restaurant (Jst Thai) in Ikano Power Ctr.

Due 2 the weather in our area was quite cloudy & shower recently, it would b nice if v cn hv some Hot & Spicy foods, like TomYam soup or steamboat 4 our dinner

Main course: Tomyam soup & chicken herbal soup
Side order: Fried spicy spinach (Kangkung belacan)
Drinks: Plain water x 2

Total: RM30.02 (Included Gov tax 5% & Srv charge 10% bt waived coz my HSBC CC got 10% discount)

*I saw a couple orders & ate a tons of foods, no wonder her body size was .... I didnt lie, she ordered a fried fish, some sort of vege, fried rice, coffee blended, fruit juice, cuppacino, plain water ... tis doesn't included her husband's dishes too... I would say 2 person ate 6 type of main course & beverages. Bt they didnt waste any food / left over, not bad huh~ *

Jst reliased tt my driving license was xpired 3 months!!! Gosh~ Thank God no JPJ / policeman "blocked" my way... jst lucky enuf 2 passed so many blockspot w/out stopping me & check my license. (I think abt 20+ w/in past 3 months period) :P


Quickly renew it after working 2day morning b4 anything bad happens.

RM30/year (going 2 renew 3 years)= RM90

Accidentally hit my car on Sat, thank god it was only a minor accident & nobody was in serious injuired. Jst ned 2 replace sidecover & paint it bck.

A small piece of metal - RM100
Paint - RM100

1. Engine Oil
2. Oil Filter
3. Air Filter

*Wipers & Spark Plugs (labour FOC)

Total: around RM 130+

Morning - Eat a complete break1st b4 went 2 work (bread/potridge/mee + fresh juice)

Noon - Bring instant noodles/soup/biscuit 2 office as lunch

Afternoon - Drinks coffee,tea & eat fruit

Evening - Cook urself at home (Rice + soup + vege + meat & egg)

Save cost & keep-fit too!

My company always offer latest movie ticket 4 employee w/ as little as RM5 per ticket during 2nd Sat each month on GSC cinema.

Grace get her Ikea CC discount on Cathay cinema every Thurday (RM6).

Total save 50% off normal price, which is RM11 per person. No bad, v r a huge movie fans. DVD & VCD at home cnt sastify our needs

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

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*

*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)

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.

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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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.