In pursuing my tertiary education, I went for PTPTN, the same way as fellow Malaysians. All in my mind that time was FREE MONEY. If you’re about to go through the same process, IT’S NOT FREE MONEY. You have to pay for it…. or maybe not. And this is how.
I was skeptical about the way my parents handled their finance, especially when we were living dapat gaji, makan gaji, repeat back then. In hindsight, I just realised that my parents did give me valuable money lessons along the way.
I’m that kind of person who is very hopeful whenever the new year comes. Oh you know the cliche new year, new me vibes. And now that 2021 is around the corner, I’m quite excited to reset and prepare for the new year.
Back in April when we were all still stuck at home, I shared here my personal financial strategies during this pandemic. And I think it’s only right to do a follow-up on that plan considering that our daily COVID-19 cases in Malaysia are now back to triple figures.
As a beginner blogger, I have fears and self doubt to the point that I would just stop blogging for some time. What are those fears? How to tackle these?
This is my financial plan to deal with the ongoing COVID-19 pandemic and the bleak prospect of a global recession. Survival mode is on!
It has been a great month! As in I wasn’t tempted that bad to buy things. Instead I found my perspective changed. My financial motivation improved.
I’m on my first month of a no buy year! And I almost failed. Few times. There are so many temptations. Haaa another 11 months to go, help!
So I knew when I reviewed my 2019 spending that I have to take control of my financial life. I barely have savings and yet going through my spending, I realised I’ve made many unnecessary purchases that came from pure impulse buying. This has to change. So here I am, embarking on a full NO BUY YEAR journey!
I’ve no idea where my money goes. Even after following the prime financial advice of budgeting each month for few long months, I still ended up broke and going beyond my budget. Exhausted and defeated – in June 2019, I decided to go into the root of it all. I forgo budgeting to track my finances, both my income and expenses. I wanted to see what actually happen to my ringgit each month, so for the past 7 months, I’ve been living as usual with my regular income and spending without much restrictions on myself. Here’s the result.