Sunday, 25 March 2012

how to save money?

I have been trying so hard in saving money ever since I stepped into the working field half year ago. Some of you might ask, only half year what, what for to plan and save money in such an early stage?

I tell you, start now or regret later.

It's not that I "kiasu" or "kiasi" but I have to admit that I am actually that kind of person that would feel insecure when I have no money on hand. I can't imagine my life with maggie mee for N continuous days at the end of the month! no way!

As a fresh graduate with degree (without any experience), the salary I got is very limited, it does not allow me to spend like nobody else business. I have to plan wisely everytime after getting my salary(which is a very sad case).
So I do seriously and actually think of many ways to save money.

Here are the ways I am using to save money:

1. First, divide your monthly income into two or three portions(ok la since I have no money to invest yet, I divided it into two portions, one to save and one to use).
Forced yourself to save a fixed amount every month, either to bank or to some kind of unit trusts.
Remember, spend = income - saving, not saving = income - spend, easy peasy.

2. Set your own piggy bank at home and feed it everyday!

I used to have one piggy bank when I was a kid. I can't remember how it looks like but whenever I have leftover from my pocket money(which is ten cents or twenty cents mostly, you know la ten years ago 20 cents could buy a bowl of mee), I will throw it into my piggy bank.
Day by day, I actually able to save few hundreds which is a lot for a primary school kid.

And now I have one at home too. Item below was actually a cookie jar, I DIY-ed it to become my small little piggy bank without wasting extra money to buy it(another way of saving money).
I started it since 3 weeks ago and I promise myself to feed it everyday. I guess the amount now is able to serve a fine dining already.
Can't wait to reach the day that I can take it and save into the bank, hehe

3. Stop your impulse buying. I know right, who doesn't love shopping? but please rethink before you spend. Do you really need it? will it actually affect you if you do not own it? If the answer is no, please re-consider again before you pay for it.
 I was once an impulse buyer, I love to buy clothes, accessories or whichever that falls into my eyes. But at the end of the day, it will either be putting aside or I never really remembered the existence of it! haha.

4. Set a target. For example, I will save xxx amount of money to buy a car. When you reach the amount, just use it to buy a car. Believe me, you will feel very motivated by then.

Remember, save it or regret later, that's all.

Monday, 19 March 2012





Saturday, 17 March 2012

It is a shit

My hair is a piece of shit now.
The perm I did two months ago does not seem to be softer as time goes by.
I have a really messy look now, 
so don't be wondered if you see me tied up my hair 24/7.

Above was my hairstyle during this Chinese New Year,
I used to hate it and can't wait to have a new look,
but now, I miss it so much.
because my hairstyle now is much worsen than this:(

oh gosh, I am getting frustrated on my hair issue,
maybe I should just go for bald one day, 
so that I have no issue on it, hehe.

Enough of hair issue,
I got my iphone recently(like finally after 5 years of N73),
I was so excited,
and the first thing I did was to download games(what a typical宅女:D).

above is the game I am playing now.
is anyone else in here playing draw something?
you are outdated if you are not playing, HAHAHA

anyway, please add me @ leafyan if you are one of those who are playing,
thank you :p

**I shall start to take many many photo,
so that I can just bullshit on what I want in my blog:)

Monday, 5 March 2012

A dream soon-to-be true

Been procrastinating ever since I stepped into this job. A job that used up most of my time and what I've left for myself is nothing, not to mention about my favourite hobbies, blogging and travelling.

I was once a very optimistic happy-little-girl towards the working field, but after working for approximately half a year, slowly I realized that works and acts as an adult is never an easy task.

It's not that I like to stay in my own comfort zone and don't take up the challenges, its just that, most of the time, things turns out to be different way you desired and this can be very upset to me.
Anyhow I am still learning to adapt and I hope I can faster cope with the upcoming job tasks.

And seriously, after working as an accountant, I realized that I am actually craving for more and more knowledge as I found out that what I know and what can be applied in job is just too little!
First time ever in life I feel like taking up the book and read without being forced by elders, what a miracle lol.

Back to topic, the reason why I said I am procrastinating is because I have been putting aside my dream since decades ago.
As I mentioned in my previous blog, setting up a business is always what I wanted since young. I love how doing business and dealing with clients bring the happiness to me. I was once involved in the online business and the result was pretty good too.
But as far as I wanted to continue it, it did affect my studies and so I gave up in the end.

Now I have ended my degree and I feel like starting it all over again. But my laziness always stopped me from doing it. Its so used to be one of my passion but nowadays I never failed to find different kinds of excuses in covering up my laziness, how come? I don't like:(

I swear to myself, no matter what, I am going to make it happen again, lets say, in half a year time? I hope so:)