Money Money Money

>> Monday, December 31, 2012

It's 2:13A.M as I started writing this post. Ok, I mean typing this entry. I took a day off tomorrow, that's the reason why I'm still staying up this late. Lucky Xiyad, he doesn't have to go to the nursery tomorrow. But I don't think he hates it though. He loves being surrounded by friends. The last time I peeked from the outside of the window, he was sitting innocently with his krik krik face, looking at the other kids playing around him. That moment when I saw him, my heart instinctively prayed that the other kids would not bully him. He can't defend himself yet. In fact, he doesn't really know what are others doing to him or what is he doing towards others.

Hmmm~~~ wanna share a concern of mine which has been bothering me lately. It's financial-related thing which everyone of us surely has. And I know, "like you are the only one with financial problem" might be the case. But I'm just pouring it out to make it easier to be bear with..well in a way..

1. As most of you had known that I recently bought my 2nd last dream item that I've been targeting the day I bought a camera. A tele-lense or a zoom lense in a more lament term. Well, I usually buy gadgets and camera related stuff by using easy payment method coz I know if I wait for having it cash, that would take years of saving and by the time my saving finally enough, there would surely be something else coming as obstacles.  Cut story short, my usual CIMB EZ payment service was actually ended last July. I didn't know, so I had to find another way to settle the 7K swipe. Arghhh~~~

After researching here and there for options, I took the best one which is to apply for a new maybank credit card, make a balance transfer and take their current 0% interest 12month-installment. Now, my plan to pay it around RM300 a month for  3 years has become RM600 a month. Arr~~ There goes RM300 from my monthly saving allocation

2. My vios, Daphne is having faulty drive shaft. I think so. There would be crackling sound everytime you make a corner or make a twist of the steering. And I think it's kinda serious because sometimes it's crackle even for a slight twist. Hmm...$ $ $ $ $ $ $ $ $ $ $

3. My friend started a topic about PCB tax deduction and shared to me that his salary doesn't include one for his new company coz his HR would do it the next financial year. And I really do know that mine has a deduction every month. But when I checked the amount last Friday, the amount was the old salary amount in my old company. I think my HR just took the same amount before deducting the actual one in the next financial year. So this past 5 months, I've been getting RM300 more than I supposed to. And when I calculated my year-end tax, I have to pay around 3K (after all the deductions I could think of) because of that incorrect PCB deduction. Huwaaaa~~~~ $ $ $ $ $ $ $ $.

That means, my so-called saving that sometimes I even missed, is just a portion of that PCB to be paid for the tax. I don't actually have any saving!!!  Huwaaa!!!

4. My PC has been OFF for almost a week. I do think the issue goes to the motherboard. I've tested the RAM, even bought a new hardisk, a fresh windows installation and now the Windows is not loading, and if I tried to boot from CD-ROM, it cant even finish loading the resource from the DVD-ROM. The SATA ports seems to be the issue. But I've tried all the ports to no avail.

Again... $ $ $ $ $ $ $ $ $ $ $!!!

And apart of all of these, I still have my responsibility to the family. Xiyad took his chicken pox vaccine yesterday, cost me RM85. Well that's after I asked the hospital to bill every pennies that I could claim to my medical card. Then somehow, we bought a a carpet..ayooo...But thanks a lot lot lot to my wife Cembam coz she was paying 2/3 from the price. Bonus kan~~~

My plan to hunt for Musang King..I think I let it slide lah..Huhuhuhu~~~



17 comments:

sri noraima othman December 31, 2012 at 5:14 AM  

kalau pikir pasal duit mmg tak habis kan...utk 2013 ni dah kne start buat financial planning...

insyaallah semoge ko sentiasa di bukakan pintu rezeki dari NYA. :)

zonaku December 31, 2012 at 7:35 AM  

amiinnn.... doa aima untuk kita semua juga....

Drama Queen December 31, 2012 at 11:40 AM  

Dear Mok <---ewah kemain aku kans...

Sabar la Mok. Kalau soal duit, forever takkan selesai. Semakin banyak dapat, semakin tinggi keinginan dan semakin tinggi komitmen.

Sabar k. Insyaallah... akan ada jalan dan laluan dari Allah.

Bila ko stress fikir pasal $$ ni, cuba ko pandang wajah xiyad dan cembam waktu mereka tidur.
Disitu ada ketenangan yg ko akan rasa "it's ok... this is my responsible"

Xiyad will be very proud to know one day yg ayah dia selalu berkorban utk family. Percayalah..semua yg ko beli tu.. dari lense smpai ke carpet tu.. is for all of u (not for urself). jgn la rasa sempit k...

kemain mengalahkan prof muhaya aku nye komen. LOL.

Hemy,  December 31, 2012 at 12:28 PM  

Tulah...ikhlas je la kuar duit mencurah2 ke ladang gandum ni. Bila dtg serentak tu yg terus ijau muka nk
Mikior tu..

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