Its not end of the world if you are driving somebody else car. (the bank’s car)
You pay 2 rent a car & after you hv fully paid d loan, then you can call it yours!
Life is not bad after all if you know how 2 allocate certain amount of your income for certain commitment in your life for example -car loan.
Most people will be paying their loans & monthly bills as soon as they got their paycheck.
What should be done is that one must, I said "must" pay themselves first, before doing any payment 2 other people, i.e (banks, grocery stores, newspaper man, petrol station, phone bills, etc)
As soon as you got your paycheck/salary/income, save 10-15% of your salary/income & don’t ever touch that money.
And then you pay your bills, fixed expenses and the rest you may spend, etc.
Usually, when I got my income, I will make payments to all my bills, monthly expenses
and so on, and see what is left for my saving. You know what? finally, I found out there is
nothing much or perhaps nothing for my saving! now, I know where I stand.
That's why I don't know where all my money goes at the end of the month!
Hey, that's some tips about money managements!
Thats my opinion and I read it somewhere to do it the correct way!
First is to Save and then you can Spend.
and I did!
24 March 2008
23 March 2008
Debt Free Living
I managed to convince myself that everyone can’t live without getting into debts some how or rather..
Hey everyone listen! I m in debts! My first debt with Car Loan!
Then, comes the credit card, that I don’t even apply…
But life must go on! We can’t live without debts. We have to get into debts and then get out of it!
I thought that I would be in total control of my life, I meant total, absolute control...until I got out of control.
It begins from taking my car loan.
Hey everyone listen! I m in debts! My first debt with Car Loan!
Then, comes the credit card, that I don’t even apply…
But life must go on! We can’t live without debts. We have to get into debts and then get out of it!
I thought that I would be in total control of my life, I meant total, absolute control...until I got out of control.
It begins from taking my car loan.
19 March 2008
I couldn't believe it
Seeing is Believing!
We normally work late in the bank.
One day, I finished my work early than usual, and the time was abt 6.05pm,
I walked towards my car, parked at the back of my office, holding my car key in my hand.
From a distance, I looked at where my car was parked...& I couldn’t believe my eyes…
I opened my eyes even bigger n looked again… but my car is not there.
I knew, I parked my car beside a blue nissan sentra this morning but where is it?
The blue nissan sentra still there but where’s mine!!! I knew my car is gone…
My white 1983 Toyota Corolla DX 1.3cc has been stolen.
The big wheelers, 17 inch sport rims, & new paint work, car - is no more mine !!!
There are no eye witnesses on my stolen toyota.
I then, bought a white Daihatsu Charade 1.0cc. 1981 model.
And this time I put handle lock…on the steering, even though it’s an old car.
I don’t want to loose this one, this time! like what happened to my Toyota. HaH !
I thought that i would be able 2 maintain driving second hand cars all my life.
I thought of living in a debt free life. but I couldn't.
I think a car is more of a liability than of an asset! it depreciate in value over time.
Thats the reason i don't want to buy a new car. finally, as the car got worse & I faced many problem with that car, I bought a new car.
We normally work late in the bank.
One day, I finished my work early than usual, and the time was abt 6.05pm,
I walked towards my car, parked at the back of my office, holding my car key in my hand.
From a distance, I looked at where my car was parked...& I couldn’t believe my eyes…
I opened my eyes even bigger n looked again… but my car is not there.
I knew, I parked my car beside a blue nissan sentra this morning but where is it?
The blue nissan sentra still there but where’s mine!!! I knew my car is gone…
My white 1983 Toyota Corolla DX 1.3cc has been stolen.
The big wheelers, 17 inch sport rims, & new paint work, car - is no more mine !!!
There are no eye witnesses on my stolen toyota.
I then, bought a white Daihatsu Charade 1.0cc. 1981 model.
And this time I put handle lock…on the steering, even though it’s an old car.
I don’t want to loose this one, this time! like what happened to my Toyota. HaH !
I thought that i would be able 2 maintain driving second hand cars all my life.
I thought of living in a debt free life. but I couldn't.
I think a car is more of a liability than of an asset! it depreciate in value over time.
Thats the reason i don't want to buy a new car. finally, as the car got worse & I faced many problem with that car, I bought a new car.
15 March 2008
Cafe with WiFi
Today, I m in a cafe, 13 states cafe, serving many types of coffee from 13 different states.Its a nice place to hang out.
I love this place and it has wifi too!
I m right here waiting, pardon me, right here writting, my blog, as you can see... i m busy! : )
And my friend is here with me. she is on the internet too!
And my friend is here with me. she is on the internet too!
I wasn't aware of this Cafe in this new Shopping Mall until my friend called me for a drink with him in this Nice Cafe.
I have been going to this Cafe bringing friends to drink coffee.
Its really a nice place to Hang Out for Coffee Chat!
14 March 2008
Unforgetable Incident
Once upon a time, many years back... I can still remember this moment of my life.
That afternoon, after my lunch break, as usual, I went back to my office. Riding my bike.
I was taking a corner after the traffic lights, near to my office building, I fell !
Maybe because of the uneven road condition,there is a small bumb on the road.
Then, there was this express bus behind me, heading fast toward me. I didn't look back, I run aside as soon as I fell of my bike. The bus hit my bike!!! and brought my bike to a distance of about 12 feet.
My bike went under the bus. I was really lucky that I was not stuck under the bike when I fell.
The next day, I sat at one of the warung near to my workplace and a reporter asked the warung owner about yesterday's express bus and bike accident and asked about the condition of the guy on the bike.
I was there and I told him that I was that guy on that bike! The reporter was suprised to
see me there!
He thought that that guy must be in the hospital with his leg up or probably even worst!!!
There I was sitting having my drink in the warung, talking to them. I was really lucky.
I don't know what makes me jump up and run across when my bike fell.
I guess its just instinct! or just my feelings!
At times, we do act according to feelings.
Maybe we don't named it feelings but rather more like, our "sixth sense"?
That afternoon, after my lunch break, as usual, I went back to my office. Riding my bike.
I was taking a corner after the traffic lights, near to my office building, I fell !
Maybe because of the uneven road condition,there is a small bumb on the road.
Then, there was this express bus behind me, heading fast toward me. I didn't look back, I run aside as soon as I fell of my bike. The bus hit my bike!!! and brought my bike to a distance of about 12 feet.
My bike went under the bus. I was really lucky that I was not stuck under the bike when I fell.
The next day, I sat at one of the warung near to my workplace and a reporter asked the warung owner about yesterday's express bus and bike accident and asked about the condition of the guy on the bike.
I was there and I told him that I was that guy on that bike! The reporter was suprised to
see me there!
He thought that that guy must be in the hospital with his leg up or probably even worst!!!
There I was sitting having my drink in the warung, talking to them. I was really lucky.
I don't know what makes me jump up and run across when my bike fell.
I guess its just instinct! or just my feelings!
At times, we do act according to feelings.
Maybe we don't named it feelings but rather more like, our "sixth sense"?
10 March 2008
Working Life
My Working Life Journey :
1st Job - Financial Institution : Credit Department
I spend most of my time in the office, spent most of my time there. Therefore, my office is my 1st home. I only go home 2 sleep. Work n Sleep, Work n Sleep, day in n day out. It’s a secured job, no doubt about it. But time to socialize seems to be a little difficult for me.
2nd Job - Telecommunication Company : Administration/Accounts
After 2 years in F.I. and I left, reason is to go into business and I begun by helping n at the same time, learning from my dad. But getting into business is not as easy as it sounds. Usually i got up early, getting ready for work, rushing for punch clocks. Now, i woke up late, start work whenever we wanted to, take a longer break time. but we work till late night, we work hard. not that easy. anyhow, i followed him almost a year & business wasn't really picking up & it wasn't a good year at that time. so i started to look for a job again. I went to my 2nd job in one of the leading Telecommunication Company at that time and i was there for a year plus in accounts department. while I was working, physically I m at my desk, but my mind was wandering into starting a business.
3rd Job - Hotel Industry : Bartender
I joined a new hotel as a bartender, started training during the contruction of the hotel. Bartender is one of many other positions in the hotel and to me, it is the most interesting position I have ever been so far. although i m not a drinker, seriously, but I have enjoyed and gone through nice experience being a bartender. We learned from our seniors on the mixture of ingredients for cocktail drinks n mocktail drinks. different drink is prepared differently n different glasses is used. Eventhough, I have never experience being in the beverage line, as we go along, we take up other skills like, juggling wine bottles, glasses even orange fruits, and we xchange skills among ourselves. We learn about cigars and wines. Some bartenders resigned and some new bartender came in. And I learn from many of them n we keep on learning and sharing our beverage knowledge and skills. Its surprising to see what the new comers can contribute to our beverage department. thats what we normally do to keep on improving. I enjoyed being a bartender. I missed those days.
4th Job - Hotel Industry : Night Auditor/Accounts
I join another Hotel as a Night Auditor. Another interesting job and a more challenging one. Working from 11pm till 7am, doing report to the GM.
5th Job - Hotel Industry : Finance/Accounts
I went back to the previous hotel where I was once a Bartender back then. But now in the Finance/Accounts Dept.
6th Job - Back to Financial and Banking Industry : Credit Department
...until today. I don't know how long can I hang on to this. It has been 7 years so far,
since I left d hotel industry. I started in Banking Line and now back to the same industry.
This time around is very much different from the last time.
The culture of banking has changed n it will be a drastic change in the near future.
1st Job - Financial Institution : Credit Department
I spend most of my time in the office, spent most of my time there. Therefore, my office is my 1st home. I only go home 2 sleep. Work n Sleep, Work n Sleep, day in n day out. It’s a secured job, no doubt about it. But time to socialize seems to be a little difficult for me.
2nd Job - Telecommunication Company : Administration/Accounts
After 2 years in F.I. and I left, reason is to go into business and I begun by helping n at the same time, learning from my dad. But getting into business is not as easy as it sounds. Usually i got up early, getting ready for work, rushing for punch clocks. Now, i woke up late, start work whenever we wanted to, take a longer break time. but we work till late night, we work hard. not that easy. anyhow, i followed him almost a year & business wasn't really picking up & it wasn't a good year at that time. so i started to look for a job again. I went to my 2nd job in one of the leading Telecommunication Company at that time and i was there for a year plus in accounts department. while I was working, physically I m at my desk, but my mind was wandering into starting a business.
3rd Job - Hotel Industry : Bartender
I joined a new hotel as a bartender, started training during the contruction of the hotel. Bartender is one of many other positions in the hotel and to me, it is the most interesting position I have ever been so far. although i m not a drinker, seriously, but I have enjoyed and gone through nice experience being a bartender. We learned from our seniors on the mixture of ingredients for cocktail drinks n mocktail drinks. different drink is prepared differently n different glasses is used. Eventhough, I have never experience being in the beverage line, as we go along, we take up other skills like, juggling wine bottles, glasses even orange fruits, and we xchange skills among ourselves. We learn about cigars and wines. Some bartenders resigned and some new bartender came in. And I learn from many of them n we keep on learning and sharing our beverage knowledge and skills. Its surprising to see what the new comers can contribute to our beverage department. thats what we normally do to keep on improving. I enjoyed being a bartender. I missed those days.
4th Job - Hotel Industry : Night Auditor/Accounts
I join another Hotel as a Night Auditor. Another interesting job and a more challenging one. Working from 11pm till 7am, doing report to the GM.
5th Job - Hotel Industry : Finance/Accounts
I went back to the previous hotel where I was once a Bartender back then. But now in the Finance/Accounts Dept.
6th Job - Back to Financial and Banking Industry : Credit Department
...until today. I don't know how long can I hang on to this. It has been 7 years so far,
since I left d hotel industry. I started in Banking Line and now back to the same industry.
This time around is very much different from the last time.
The culture of banking has changed n it will be a drastic change in the near future.
06 March 2008
Finally, I started blogging
Just after my dinner on MARCH 1st, as I sat in front of my PC, wondering how am
I gonna start my blog, and another childhood friend of mine called me on my mobile.
I have heard many people talking about blogging. I told him that I was just about to start
a blog. I wanted 2 start but can’t figure out how to go about it. Finally, this is the time!!!
I must start writting today, no matter what! If it takes until midnight, I have to write
something! so... here I m.
I have survived so far, writting a few already n I hope there is some more coming in. Me
and my childhood friend (he is in KL) still keeps in touch & updating one another on
current events.
He is simple and a humble guy. I agreed with him totally about property investment.
It will definitely increase our income by increasing our assets, according to Robert Kiyosaki.
Talking about Robert Kiyosaki, have u played the game called,
"Getting Out of the Rat Race?"
Its a wonderful game.
I gonna start my blog, and another childhood friend of mine called me on my mobile.
I have heard many people talking about blogging. I told him that I was just about to start
a blog. I wanted 2 start but can’t figure out how to go about it. Finally, this is the time!!!
I must start writting today, no matter what! If it takes until midnight, I have to write
something! so... here I m.
I have survived so far, writting a few already n I hope there is some more coming in. Me
and my childhood friend (he is in KL) still keeps in touch & updating one another on
current events.
He is simple and a humble guy. I agreed with him totally about property investment.
It will definitely increase our income by increasing our assets, according to Robert Kiyosaki.
Talking about Robert Kiyosaki, have u played the game called,
"Getting Out of the Rat Race?"
Its a wonderful game.
05 March 2008
Schooling Life
When we were young, we do what youngsters normally do. Go to school to study and
play games in the evenings.
I wanted a new shirt just like my friends, I got it. I wanted to have a new bicycle,
I got it. I wanted to go for computer games in the internet cafe, I got it.
I told my dad I m following my classmates for movie in cinema and go for some snacks,
he will give me some money to spend.
When our school uniform gets dirty after evening school activities, our mums will get
it washed and clean. Nothing worries me.
Everything that i need are well taken care, like my other friends.
Everything was provided 4 me & my younger bro.
Life for me at tht time was care free... drifting aimlessly. clueless abt life, no direction,
no goal at all...I don't know why I studied so hard for.
The only reason i know to study hard, is to pass the exams, thats it.
I played badminton every week in school hall. I was active in Red Crescent Society, a uniform body in high school. I have been to many competitions and organised state's events combining with a few other schools. I became a commander for a marching platun.
And we almost burn down the school during our Red Crescent Campfire Night.
I have seen what it takes to have that leadership qualities in leading and managing a team,
right here in a small society in school.
Anyway, those were the days, when we were young and care free!
What I did during my School Break, while I was waiting for school exam result?
I went to work in a Fast Food Restaurant, to occupy my time earning some pocket money
rather than sitting down at home doing nothing.
Gain some work experience too.
While waiting for the Final Exam Result, What did I do?
I became a temporary waiter in a 5-star hotel, And with the money that I earned,
(not that much), I took up driving lesson.
play games in the evenings.
I wanted a new shirt just like my friends, I got it. I wanted to have a new bicycle,
I got it. I wanted to go for computer games in the internet cafe, I got it.
I told my dad I m following my classmates for movie in cinema and go for some snacks,
he will give me some money to spend.
When our school uniform gets dirty after evening school activities, our mums will get
it washed and clean. Nothing worries me.
Everything that i need are well taken care, like my other friends.
Everything was provided 4 me & my younger bro.
Life for me at tht time was care free... drifting aimlessly. clueless abt life, no direction,
no goal at all...I don't know why I studied so hard for.
The only reason i know to study hard, is to pass the exams, thats it.
I played badminton every week in school hall. I was active in Red Crescent Society, a uniform body in high school. I have been to many competitions and organised state's events combining with a few other schools. I became a commander for a marching platun.
And we almost burn down the school during our Red Crescent Campfire Night.
I have seen what it takes to have that leadership qualities in leading and managing a team,
right here in a small society in school.
Anyway, those were the days, when we were young and care free!
What I did during my School Break, while I was waiting for school exam result?
I went to work in a Fast Food Restaurant, to occupy my time earning some pocket money
rather than sitting down at home doing nothing.
Gain some work experience too.
While waiting for the Final Exam Result, What did I do?
I became a temporary waiter in a 5-star hotel, And with the money that I earned,
(not that much), I took up driving lesson.
01 March 2008
Childhood days
There were these 2 close childhood friends that we used to play together in my old neighbourhood.
One of them has this passion which is also my passion... passion for cars.
He has this miniature model cars collection displayed in their living room mirror cabinet, which we put them back after playing... porche 911, lamborgini countach, ferrari, knight rider kitt, f1 car, mini copper, to name a few... he also has the toy models collection of the movie - starwars... darth vader, yoda, r2d2, stormtrooper, the spaceship, etc...
My brother and I used to go to his house, which is just in front of ours, almost everyday of the week.
We watch lots of TV programmes those days.
Now, we named it an idiot box. (TV) because it makes us lazy, stuck on the nice sofa and never exercise or doing productive activities.
One of them has this passion which is also my passion... passion for cars.
He has this miniature model cars collection displayed in their living room mirror cabinet, which we put them back after playing... porche 911, lamborgini countach, ferrari, knight rider kitt, f1 car, mini copper, to name a few... he also has the toy models collection of the movie - starwars... darth vader, yoda, r2d2, stormtrooper, the spaceship, etc...
My brother and I used to go to his house, which is just in front of ours, almost everyday of the week.
We watch lots of TV programmes those days.
Now, we named it an idiot box. (TV) because it makes us lazy, stuck on the nice sofa and never exercise or doing productive activities.
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