Current must do list!

My new mantra...

1. Monthly $$$ input into my ASB - make a mental note...deduct straight from salary. Must find out how once I register to my new hospital.

2. Must not take anymore money out of ASB!!! No matter how emergency it may seem

3. Aim for the stuff, save, then buy. No buy now, pay later (but I knew that...hehehe, I've always done that.)

4. Future plans - Unit trust funds!!! argh, when am I going to start? my baby is coming up in February. Hmm, must ask hubby to invest in Takaful Malaysia for Education plan + health rider. Yup yup, his responsibility <grin>.

5. Make a blog about my achievements and future goals. I lost my little notebook about my achievement so far. Maybe it's at Mama's house, all my books are there. Ni nak refer book for my ortho posting pun susah, sebab takde tempat dah kat rumah ni nak letak my stuff yang bertimbun tu. Sigh, oh well, just live with it.

I've finished with sewing for my baby. Most of the stuff I need right after newborn dah siap. Certain stuff I will only buy after delivery. So far, according to budget, I've spent RM700 for baby, RM300 below my initial budget. Yay! Me smart hueheuheueh. Thank God datang dari family besar. Big stuff like car seat, bassinet and cot sumer dapat dari elder sisters. Maternity blouse pun beli 2 je, coz my sis in law bagi yang lama. woohoo...well some ppl can say I'm a big saver, some people can say I'm stingy. Who cares.

Since dah habis hobby sewing barut and bedung and bibs (why do all start with a B?), I'm surfing on how to save more money for the future. My future and baby's future. Dah download banyak excel worksheet on retirement plan, personal budgeting.

See, if I want to retire by age of 45 (let say laa), that's 18 years more, and if I save about RM6000 a year in ASB(that's RM500 a month), by that 18 years, I already have RM200,000 in ASB. haaa! nice kan? Arwah Abah kata susah2 dahulu, senang2 kemudian.

Hmmm, macam mana nak handle money for building my house in next 2 years ek? kalau naik gaji pun, maybe naik RM 200 jek. Nasib baik government officer boleh dapat 4% interest jek. Hmmm, tak per tak per (self assurance kih kih kih), bila the time comes, I can make adjustments to payments to ASB and home loan.

Sometimes I wonder where my hubby comes into picture. Yeah...I wonder...

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COMMENT:
AUTHOR: Ici
DATE: 12/05/2007 11:31:29 AM
Haaa...dah set up a new blog called 'Shoot for the moon...'

still banyak nak edit. need the motivation :)
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COMMENT:
AUTHOR: Kawthar
DATE: 12/05/2007 05:55:38 PM
Sis dear, banyak nak fikirkan bila dah start ada baby ni... and 'where my hubby comes into picture'... that sounds familiar :) Still, we need to have goals.. somebody has too.. I also just started unit trust, so kalau nak nama agent, just let me know. I like her because she helps you a bit on your financial planning as well and keep updating so that you know what's your position 6 months from now, 1 year from now, etc.

Same with education insurance fund. Baru je got one for Ammar. Amin dah ada. Pakai Prudential (takaful plan). When it comes to financial matter, mmg memeningkan but focus on the long-term and usaha. InsyaAllah berjaya.

hmmm... bilalah nak jumpa ici ni...
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COMMENT:
AUTHOR: Ici
DATE: 12/06/2007 02:10:13 AM
Hmmm, weekend ahad ni ici ajak Rusydan balik rumah Mama. Sabtu dia ada sumthing. Jom jumpa jom!

Kawan ici pun kata Prudential takaful bagus. Well, Takaful malaysia pon okay jugak, but not as strong as Pru.

Yang Unit trust pulak, tengah tengok2 Public Ittikal. Dulu kek man pun mentioned it, but I need the money for the wedding. But now I think I can start :). I have a name of an agent, along with my frens.

Will see u soon :))))