Friday, December 28, 2012

The Fatty Life

So I am now in my 24 weeks of my pregnancy,
Everything is going well so far, alhamdulillah.
But just one thing,
Just one thing....

The gaining weight department
I know I know its normal to gain weight and it is rather abnormal if you dont
But my ass is getting bigger by day
Me no likey

So we resort to some light exercise
Walking during weekend,
Ive been doing some yoga and toning session
But still, all the weight I needed to gain went straight to me ass

"Im so fat, I cant even bend"

But I feel happy when I do some walking, feel very fresh

booTak has been very attentive as well. He rubbed my back in the middle of the night, he made the bed, he make me breakfast in the morning (well not everyday la kan) and all sort of things that you want your husband to do when you are pregnant
Or in the easier way to say it, you just want them to spoil you la

This is me
The fatty me now

But Im loving it

Tuesday, December 11, 2012

Real emergency or self-created emergency?

Credit card. Is it a payment medium or credit facilities?

Often we heard excuses given by people who applied for 2nd or 3rd credit card, "I need it for emergency cases". But have we ever asked ourselves what is the real definition of emergency? Car broke down and requires big repair before salary comes in or Isetan member's sale where every stuff are having 50% discount?

I have a confession to make. I used to hold 4 credit card with pretty good credit limit and it brought me to a dark phase. You see, I am those person who cant hold my back once I see pretty good deals on the internet especially when it comes to travelling. There was a year where I travelled to 4 different countries in 8 month time and I was having a blast. Not so much when I received the statement.

At one time, my accumulated debt stood at RM25k, enough for the country to declare 'bankcrupt' on me should I fail to pay the required amount (i.e 5% of total outstanding per month) for 3 consecutive months. That was the time when my panic button was pushed, not by any other person but my self.

By having that kind of o/s at a time, you end up paying more than what you owe. By not being a transactor, you end up paying 1.85% interest of the outstanding per month making it a total of 6.85% of RM25k: RM1,712 per month. This wont just stop here. By being a revolver obviously you would utilise back your limit once you paid your monthly payment. At one point, I was relying on credit card for my fuel consumption and that was just sad.

You do the math. If you keep paying that much of money with no intention of puting a stop in your utilisation, you'll end up with that kind of payment for the rest of your life. Every month when I pay that amount for something that Ive purchased earlier pissed me off and I have no one else to blame, just myself.

So, I thought it is time for some serious ratification. I was blessed with a handsome amount of bonus on one particular year (i worked in .gov related organization so that kind of bonus was considered good eventhough its peanut for some MNC), so I paid off one by one my card each year. Also, I resulted to converting my cards towards personal loan with fixed amount of payment every month with no room for any more utilisation. I cut my cards into 2 and I feel proud.

It took me 2 years to basically clear off my debt. Of course, I suffered along the journey but now I feel lighter in the credit burden department. I felt like writing this because I feel like sharing the consequences of spending outside your capacity and reliance on the plastic will not do you any good.

I now pay my expenses using my debit card. Thank God for Maybank Visa Debit. The expenses is now directly debited to my account so there is no more excuses of swipe first worry later.

I think you should do the same

Monday, December 10, 2012



What is perseverance?
  • Perseverance is commitment, hard work, patience, endurance.
  • Perseverance is being able to bear difficulties calmly and without complaint.
  • Perseverance is trying again and again.
You show perseverance when you ...
  • Give up your tv time to spend hours studying
  • Try a new sport that is very difficult but you don't give up
  • Have a learning disability but keep studying even when discouraged
  • Come from a home where there is fighting and unhappiness but you still try your best
  • Have missed a week of school but you work hard to catch up
  • Are at the end of a difficult race but you cross the finish line
  • Save money and make sacrifices to buy something
  • Spend hours practicing on your music
  • Study and work hard to raise your grade
  • Try out for something you weren't successful at the first time

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