Car Loan
========
Left 6 yrs 6 months

P.Loan
=======
8.8K - 4K = 4.4K

CC Debts
=========
Citi $4,500-$350 = $4150
HSBC (M) $5,300-300 = 5K
HSBC (V) $4,000-$700 = 3.3k
------------------------
$13,800 - $1,350 = $12,450
------------------------

UT (PAIF)
=========
1k+40% = $1,400+

EF
===
$200

After broke-up w/ my gf, i didnt bloggin on tis until now. Bt start from tis week, I'll try mk it as a habit 2 make a post at least once/week.

Wat's the majority changed now... I brought a house (condo) w/ helps of my parent, i manage 2 pay the 10% d/p & loan from 90% Citibank (period was 30 yr - bt 4 sure I'll try my best 2 cut into 20 yr).

My salary cnt afford me a house rite now, bt it only start 2 payin bck after 3 years (at the mean time, I jst ned 2 pay interest). Sound stupid, bt I got my reason too.

1. Coz I'll changed my job soon, mean got increament on my pay.

2. Property after 3 yr wil bcome xpensive than now, I cnt find any nice location & house which cn below $200k.

3. My parent willin 2 borrow me the d/p. As long as I can pay them bck monthly (no interest :P)

4. Always ought 2 hv my own home sweet home. I planned 2 get it when I reach 30. So, buyin now & after completed wil b a perfect timing.

5. If I dont spend my $ in2 some proper way, I'll jst waste it like tt. So, it was actually a kind of "forcing" me 2 puttin all my $ in2 a worthy way.


Now, I hope everything wil b fine. Gettin a better job, earn more & njoy my life. I lost a beloved gf, bt I got bck gangs of buddies. I travel a lots, w/in a year I been 2 5 islands (Redang, Lang Tengah, Perhentian, Bali...) Next month wil go Bangkok too.

Start njoy my life alone, keep on moving ahead...

*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!!!

(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~

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~ *

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.