Current must do list!
December 5th, 2007 by icikawaiMy new mantra…
1. Monthly $$$ input into my ASB - make a mental note…deduct straight from salary. Must find out how once I register to my new hospital.
2. Must not take anymore money out of ASB!!! No matter how emergency it may seem
3. Aim for the stuff, save, then buy. No buy now, pay later (but I knew that…hehehe, I’ve always done that.)
4. Future plans - Unit trust funds!!! argh, when am I going to start? my baby is coming up in February. Hmm, must ask hubby to invest in Takaful Malaysia for Education plan + health rider. Yup yup, his responsibility <grin>.
5. Make a blog about my achievements and future goals. I lost my little notebook about my achievement so far. Maybe it’s at Mama’s house, all my books are there. Ni nak refer book for my ortho posting pun susah, sebab takde tempat dah kat rumah ni nak letak my stuff yang bertimbun tu. Sigh, oh well, just live with it.
I’ve finished with sewing for my baby. Most of the stuff I need right after newborn dah siap. Certain stuff I will only buy after delivery. So far, according to budget, I’ve spent RM700 for baby, RM300 below my initial budget. Yay! Me smart hueheuheueh. Thank God datang dari family besar. Big stuff like car seat, bassinet and cot sumer dapat dari elder sisters. Maternity blouse pun beli 2 je, coz my sis in law bagi yang lama. woohoo…well some ppl can say I’m a big saver, some people can say I’m stingy. Who cares.
Since dah habis hobby sewing barut and bedung and bibs (why do all start with a B?), I’m surfing on how to save more money for the future. My future and baby’s future. Dah download banyak excel worksheet on retirement plan, personal budgeting.
See, if I want to retire by age of 45 (let say laa), that’s 18 years more, and if I save about RM6000 a year in ASB(that’s RM500 a month), by that 18 years, I already have RM200,000 in ASB. haaa! nice kan? Arwah Abah kata susah2 dahulu, senang2 kemudian.
Hmmm, macam mana nak handle money for building my house in next 2 years ek? kalau naik gaji pun, maybe naik RM 200 jek. Nasib baik government officer boleh dapat 4% interest jek. Hmmm, tak per tak per (self assurance kih kih kih), bila the time comes, I can make adjustments to payments to ASB and home loan.
Sometimes I wonder where my hubby comes into picture. Yeah…I wonder…




