Money Diaries: Oct 2018

by - October 31, 2018


This month is like the last autumn of Bariloche for me -the last beautiful sunset and not knowing if a new glimpse of sunshine would come. I feel the latte factor, the peer pressure to live the lifestyle, and for a brief moment - lost the desire to fight for life. But this is also where my life pace completely change. I spent a total of RM5,648.35 while the Dow goes up and down.

Some local PF news to me:
1. The housing is indeed a buyer's market now
2. You can earn RM300 for playing 120 hours of videos on your phone
3. Low-cost robot investment launched in Malaysia.
 

October is a spending month. Then again, every month is a spending month since I am back to KL. Bummer. I travelled and bought a gadget. Apart from travelling, top spending this month includes a new iPhone for RM775 and two bottles of beauty products for RM603. Both to support people that I know (And sacrificed the tax rebate - speaking about not being responsible for other's financial mistake).

Went shopping for electronics with my sister-in-law. Why does anyone need a TV? They need a TV - a 50" TV. I haven't even watched Netflix for two months. Who watches TV anymore? Am I the odd one out or they are?

Financial aside, I can’t help but cry a little this month. The time when you see someone like the person meant to be, and you are not the option, ever. Well, I could grief over it or pick myself up. And I am that kind of person who will book a business class ticket to watch the Grand Prix (Cuma, tak ada duit - later k). P/s: I did not spend to make myself happy. For me, money buys comfort and blings but does not contribute to my happiness.

Over the weekend, I  kick-start a side project, did a part-time for 3 hours for RM250 and learnt to play a song on the piano. What doesn’t break you make you stronger?

Reads of the month: Principles: Life and Work by Ray Dalio | Dance, Stand, Run by Jess Connolly | I stand at the door and knock by Corrie Ten Boom

Nov Goals

Update on the budget: There are some missing expenses figures in the actual Oct as I track differently from the table. But just to compare if my budget was spot on.

Item
Budget Oct  
Actual Oct
Budget Nov
Giving
??
RM390

??
Transport
Toll + Parking: RM25/day
RM950
RM632.60
RM800
Food
Average
RM1500
RM805.88
(Two dinner party for friends)
RM1200
(oats for breakfast)
Travel
RM1480
RM1244
RM1000 (4 weekends away)
Friend wedding gift
RM150
RM100
-
Clothes (only if I sold something)
Nil
RM198 (for 5 pieces)
Sold old things for RM240
RM200
(found a great place to buy stuff)
Fund PRS (For next 3 months)
RM1000
RM1000
PB Mutual, my past investment has gone negative :o
On hold
Mobile 
RM50
RM30 top-up
RM23 
Other wants & needs
RM300
RM1736  iPhone, beauty products etc
RM1400
for furniture
Rent and utilities


RM600
Side project

RM517

Total
RM 5430 ++
RM5648.35
RM5623+
Dividend

RM970


Moving out I am moving nearer into KL centre from Klang Valley.  So I need furniture if I don’t want to sleep on the floor. I will DIY the IKEA way: buy a chest drawer, a chair and a rack. Accessorise with a mirror, curtain and a bookshelf. Ferry the bed and table from home. Fresh flowers daily. I know a lot of the people who don’t like IKEA furniture because it doesn’t last but I just want the easy way out with designer-like-furniture instead of hunting up and down. Total estimated cost: RM1400. 

Why do I choose to pay rent? Presumably, I will save a minimum of 30 minutes’ travel time a day, that would be 15 hours a month. The cost of RM600 for 15 hours with gym and swimming pool facilities - in my view, is an excellent price to upgrade the living standard, host cell group and throw pool parties. 

Travel Apart from moving and catching up at work, I will have 4 weekends away in November. It's not a life crisis or soul searching, it just so happens that people make those arrangements and I said yes to all. I may need to slow down.  

Dividend November will come with a generous slip from IGBREIT. I've invested quite heavily on that mall, and I am happy to see the place with more exciting offerings. There's Marybrown at LG of The Gardens selling two ice cream cone for RM1.80. Yes, it's not worth for you to make a trip for some cheaper ice-cream but people fall for things like this. Thank you for spending money in a mall.

For we are chosen, beloved and dearly loved. 



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