Money diaries: Dec 2017

Its only end of the year but I eat like its end of the world. December was relaxing and fun, got free tickets to a good party, and all the perks in between.

However, it's stressful to spend on the car. RM2,300 goes to car repair, insurance payment with a 10% discount online and road tax payment. Then, being a little generous comes with a cost. RM870 goes to giving.

Bought nothing on 11.11 or 12.12 online sale. I did, then I return the whole purchase. I will only keep what I want. But I shopped retail and bought 5 pieces of high street fashion at RM320. So much for keeping things minimal.

I cancelled broadband and a membership site subscription in December, this will help me spend RM2000 less next year. I now surf by using UMI30 plan (RM30 for 7.5gb) and free WIFI. It feels impossible, to live with a cheapo college student plan. I wanted to sign up for the grown up plan, the package upgrade, the phone bundle plan, the unlimited surfing - anything that WOWs. But if I pay RM150, that will be RM1800 a year, RM9,000 for five years. Once I ignore the advantage of a grown up plan, spending RM30 works fine.

2017 is full of overwhelming emotional ups and down. I am not in the best version of me but I made it through safe and sound. The greatest joy of the year is experiencing God and hearing Him in my life. Wherever I go now, I see that as an opportunity to be part of a community.

Dec results
Life without facials
Scrub + mask works well thus far. Adding sunblock into the routine.

Stay healthy and fit
I did less than what I committed, 7 minutes a day feels like forever. Jumping jack and wall sit is my favorite.

Chasing the numbers
My tax bracket might gone up this year, so I decided to fund the Private Retirement Scheme, for the tax refund. RM3,000 gone. Good news? USD to weaken over MRY this year, up to RM3.00 (analyst says, not me). 


Popular Posts