Now that I think about it, I have been spending too much on my life with lots of unwanted spendings.

PS: Below is more of a serious note from the blogger. Proceed if you want to read about his serious personal life.

Well, not to say that I should not pamper myself at times to get stuffs that are interesting and fun to get but I think it is time to get into some serious planning into my daily finance and budget.

Those days I have been eating out and spending because of colleagues going out to eat at some fancy restaurant.

Ever since I came into a new environment I have now learned how to go back to how I used to when I was in college, I saved. So here is my long term plan.

Lunch RM3

Now imagine having RM3 lunch for 5 days per week, that would be RM15 and RM45 per month.

Now setting aside that, let’s say I do drive, RM200 – RM300 per month since now I take LRT to work.

New updates – Monthly Budget

Amazingly, counting the cost, that is how much I use in a month. All due to the commitments costing a bomb. I think maybe it is time for me to look at some of the commitments and try to device a plan to help myself to save more money in the coming future.

Some people said, you do not know the future, so why bother saving for something uncertain. Well, enjoy while you can but also learn to be a person.

Learning to be a person does not meant that you have to enjoy, feelings but there is also the practical aspect in all that. I shall try to minimize spending on stuffs that does not really benefit me much, for example my games on Magic the Gathering cards, mamak sessions (along with the MTG sessions) and also maybe some other things like having McDonald’s/KFC because your colleague wanted to go there.

Call me kiamsiap but I am not like those who earn big bucks. I shall also cut on my travel plans already. The travel is what took most of my revenue and cash I owned previous years.

I shall be on the reserved end. Sorry guys if I have to decline any invites from this day forward. I need to plan for my future.

Popularity: 1% [?]

In this time and space, before then, there was bicycle, then the car / automobile came about which gave convenience to many people. It was easy to travel from a location to another location unlike when those days, people used to walk from one place to another. Guess what?

Daniel chose to WALK instead of to drive.

Yes… I walked from one end to another end which takes about 30 minutes from one place to another place. Walking back and forth will require at least 50 to 70 minutes depending on how fast one walks. No it is not for some walkathon training or keep fit schedule. It is all due to because of a valid reason which I will tell you towards the end.

But why walk in the hot sun?

For a reason known to me, walking is good for health. It was lunch time and I have decided to walk from Asia Jaya LRT station towards Diver’s Den at Jalan Universiti (Unitversity Road). That is like 2.1km which, according to Google Map would take about 30 minutes from one end to another.

Diver’s Den? Why do I go there?

Reason is simple. I want to go enquire about the dive package and the free and easy package directly from the center instead of making a call.

Then, Why Not Drive?

Good question. This is the part where people will start judging oneself. If I tell you that I used to walk from KLCC towards Lot 10. Then from there I walked towards Central Market (Pasar Seni), what would your responses be? CRAZY!!!! How can one walk so far? Bus charges only 80 cents and why did I not take the bus? It is simply because I prefer walking and wanted to save. I did not have a car back then.

Though this time I have a car parked here in Asia Jaya LRT and I still walk towards my destination. Why did I do that? It is not that I wanted to save on fuel or tire wear. I wanted to save on my free parking space.

If I were to drive out, when I come back, my free parking space would be taken over by some other kiamsiap guy/girl. So I walk as long I think that it is not far and I have the time for it. WAHAHAHAHAHA!!

How crazy can one get?

Captured Using HTC Hero in Bali

*BANGS WALL* LONG PIAK

Popularity: 1% [?]

Sesame Chicken sounds yummy. It’s really yummy.

Ops… this is not what I was supposed to talk to. Though it is related somehow. WAIT!!!!! What do I meant by it is related? What has Credit Card got to do with Sesame Chicken? What about Roast Lamb? What about Barbequed Chicken? bla bla bla…

Grandpa Story Begins

Well, let me tell you something what it all has to do with a credit card. First and foremost, getting a credit card is very easy nowadays in our time. Unlike our parents and their parents time where only a selected few have their own credit cards. A credit card is now not considered a liability. It is more like a tool or a convenience when one does not have enough cash or in need to pay something high in value but afraid to bring loads of $$$ in cash terms.

So what does that got to do with Sesame Chicken? Of course, we eat, sleep, work, eat, sleep almost everyday of our life. Sometimes we do it too routine, we forgot how to enjoy life. That is why to me, I enjoy having a good sesame chicken dish with friends. Now there are many dishes along the way (beer…. ahemz… whisky… ahemz) , but what about when the bill is called? Of course, everything could be solved with just a credit card. Imagine a bill totaling USD300 (RM900) and no way am I going to pay those in cash. So a credit card is indeed a convenience.

Now there is a downside for this.

The downside of mismanaging your credit

Everyone knows having a credit card also has it’s downside. This problem happens when one spend lavishly and spent it on things they desire and not on things needed. Well, desire is one thing but over spending on too many ‘desired’ stuffs will definitely affect our credit management. Yes, when we spend more than we earn, we will definitely have problems resolving all the debts incurred from the credit card spending. I am definitely talking about credit cards and if you need to know credit report, you can always try something like any site where they will give you a free credit score report in order to gauge your credit level.

Of course, if you know you have credit score, you could always do like the above. Haha.. which in a way it hardly works, it is a comic for what it is.

Now what would you do if you have low credit score then? What should you do? How would you manage? Now would you like to listen to my advice?

Solution to a Low Credit Score

Sadly, not many people in Malaysia is really concerned about this. Those days, our parents save and save in order to survive and to ensure that we have a better life than them. Due to that, most children take for granted and spend like kings and queens. Well, indeed unlike those times, now we can spend more than how it was but also without proper planning, one is going to get a bad credit score for themselves.

So how was mine solved? I invested. I saved. I practically hardly go out, not to mention I do not smoke (saves a lot compared to those who smokes), I only drink when it’s an occasion (unlike those who goes clubbing and drinking parties), does online shopping (saves petrol, saves car and engine wearing out, saves from washing the car, saves the hassle of choosing items and fighting with the crowd in a queue). Ridiculous for some of you, well it should be. Though that is my way of handling it.

Why not you tell me how you do yours? How do you handle your savings from your work/parents?

Popularity: 1% [?]

For the first time I am trying to pick up seriously on my Japanese. Well, in order to be able to continue learning and to be able to learn more languages and when the time is right, I might even pick up other languages in order to equip myself in the Japanese working industry.

Also to watch Japanese drama in their own languages.

This are the exercises that I am doing now. Unlike when I first started, now everything is in hiragana and katakana, which I took some time to get used to.

今日は日本語の試験です。大変大変難しい。。

今は日本語を勉強するんです。。。ぜんぜんわかりませんね。。

１）　このじしょは　いみを　しらべる　「のに」　つかいます。
２）　でんきを　けす　「のを」　わすれてしまいました。
３）　にほんから　ともだちが　きた　「ので」　KL を　あんあいします。
４）　日本語を　べんきょうする　「のは」　たのしいです。
５）　私は　おんがくを　きく　「のが」　すきです。

EX)　「ぜったいに ・　かならず　・　よく」 わすれないで　ください。

１）　まいにちえ　「すこしずつ ・　たまに　・　ちょうど」 あたらしい　ことばを　おぼえています。
２）　このつくえは　じょうずですから　「いつも　・　もうすぐ　・　いつまでも」 すかえると　おまいます。
３）　「このごろ ・　さっき　・　このあいだ」 からだの　ちょうしが　わるいですから　くすいを　のんでいます。
４）　すみません。　おかねを　かして　いただけませんか。　「しかし　・　それでは　・　じつは」 けさ　さいふを　おとしてしまったんです。
５）　「しっかり　・　まんいち ・　やっと」 つかいかたが　わからないばあいは　れんらくしてください。

EX)　３じに　KLCC　で　「あい」　ましょう。

１）　そとは　くらくて　いまにも　あめが　「ふり」　そうです。
２）　のみものが　たりませんから　ちょっと　ジュースを　「かって」　きます。
３）　にほんごで　てがみを　かいたんですが、　まちがいを　「なおして」　いただけませんか。
４）　２ねんまえ　しゃなのひとを　「しょうきいして」　くださいました。
５）　A: 　にほんおおちゃです。　どうぞ　「めしあがって」　ください。
B:　はい、　「いただきます」。
６）　このせつめいしょは　カタカナの　ことばが　おおいですから　「わかり」　にくいです。
７）　てんきよほうに　よると　あしたは　つよいかぜが　「ふく」　そうです。
８）　かちょうに　「ほめられ」　て　うれしかったです。
９）　きのう　おさけを　「のみ」　すきで　あたまが　いたいです。
１０）　きんえんは　たばこを　「すうな」　という　いみです。
１１）　にほんの　だいがくに　「はいる」　ために　いっしょうけんめい　べんきょうしています。
１２）　へんじが　ありませんから　だれも　「いない」　ようです。
１３）　A:　れいぞうこを　とどけて　もらいたいんですが。
B:　じゃ　すぐ　かかりのものに　「はいたつさせます」。
１４）　けさ　ペンキを　「ぬった」　ばかりですから　まだ　かわいていません。
１５）　さっき　たなかさん　から　てんわが　ありました。　かいぎの　しりょうを　FAX　で　「おくって」　くれ　と　いっていました。
１６）　A:　かぎは　みつかりましたか。
B:　いいえ、　いま　「さかしている」　ところです。
１７）　しろいシヤシは　「よごれ」　やすいですから、　かいません。
１８）　A:　もういちど　おなまえを　「おっしゃって」　くださうませんか。
B:　たなかと　「もうします」。

EX)　きのうは　あつかった です。

１）　しごとが　いそがしく て　どこも　いけません。
２）　こうつうじこ で　ひとが　しにました。
３）　パーテイーは　いつが　いい か　かんがえてください。
４）　かぞくの ために　いっしょうけんめい　はたらきます。
５）　このかばんは　かるくて　りょこう に　べんりです。
６）　そのはなしは　ほんとうかどう か　わかりません。
７）　このズボンは　なが すきですから　みじかくしてください。
８）　きかいのちょうしが　わるい ばあいは　私に　しらせてください。
９）　明日は　ひまな ので　うちで　そうじしたり　せんたくしたり　します。
１０）　なにを　たべているんですか。　とても　おいし そうですね。　わたしも　たべたいです。

１）　あなたが　日本語の　先生だったら　学生に　なにを　させませうか。　Please give your answers.
２）　にほんへ　いったら　なにを　してみたいですか。

Popularity: 1% [?]

Somehow somewhere, I was browsing through YouTube and this song hit me so suddenly.

Well, I know I am weird in my posting. I wonder who sang this song and I just found out it was Anthony Neely (倪安東) and the title of this song is Sorry That I Loved You.

I think I am EMO-ing. Strange. Weird. Maybe I will never understand anymore. No more momoe for me to see already. I really miss those times. I find that I am not persistent enough. I give up too soon.

I guess that is why I am me.

Popularity: 1% [?]