vision

yay! got my white panda back!!! spend RM120 just to have it well again. RM80 for reformatting, RM40 for backing up. zzz it's not easy to feed an apple. some more, an apple that has been bitten by someone zzzz

pastor preached on "Our Vision" on last sunday.

we can have a church's vision, a personal's and etc. as for personal, it can be long term or short term.

and the thing is, without vision, things go nought. and we'll perish. lol

and when i just finished my shower just now, i've fixed my vision. a short term one of course. and that's to quadruple my savings when i'm 25. LOL!!!!

i used to be quite keen on investing.

when Forex started to be a hit, that was 2008 back then. i have not much savings, i cant do anything about it.

and today, i can at least "ngee hee hee" around and plan on either dump those money as fixed deposit or invest it.

i love travel around. but i wanna go travel in the sense that i dont want to limit the usage of my money and i'd be more delighted if i'm using my own money to travel around =)

i have one piggy bank at home. when that so-called piggy is full, it'll eventually go to a bank's account. and i've restrained myself from withdrawing even a cent from that account.

and that so-called piggy only fed on 20cents and 50cents. strictly no 10cents, unless i have RM1 of 10cents. haha!

i have another account, with the debit card, i can shop around even if i dont have much cash on hand sometimes, but after i've spend money using that account, i must deposit the same amount that i've spend no matter how.

those are some ways that how i save money.

the very last account that i have is for uni's expenditure. and some online transactions. and somehow i can buy few lots of shares with the amount of money XD this stupid account only earns me RM3.sth or sometimes Rm2.sth monthly. which is about less than RM40 a year, which is, much much MUCH lesser than the dividend given by EPF.

mum always urges me to save money through EPF account as the dividend is very high. with just RM1k plus, i can get back about RM90sth for that particular year without depositing a cent beside that RM1k plus. lol the dividend is high, but people can only withdraw it for certain purposes until we're 55 years old, which i might not be able to be that old.

i wanna earn fast cash but safely. so i've made up my mind to do investment.

seeing that the inflation rate of our country is nearly 3% or so as compared to last year, which is, RM6k now only has the value of around RM5820 back then. so i know that i couldnt just save and save and save or work and work and work without doing anything. investment is the only way.

who knows, i might go into investment field instead of engineering when i grad. lol

first class is nth, being able to increase the number of digits before the decimal points is sth.

i have a vision - to quadruple my total savings when i'm 25.

i dont wan to be like others, still having few thousands even when they're almost 30. i'm scared. LOL