Thursday, March 31, 2022

Start taking action!

Masuk kelas free sudah...bila lagi nak start trading?

After attend kelas newbie last week, semakin clear yang sebenarnya aku memang tak tahu apa-apa pasal main saham.

Sekarang tengah berbetah-betah nak spend RM700 atau tidak untuk belajar basics. Then terjumpa pula website PakYa https://pakyahussin.com/modal/ which menjawab persoalan aku.

Berapa aku kena korbankan RM untuk mulakan? Explanation PakYa sangat praktikal dan straight to the point

  1. RM1k - RM2k untuk belajar saja. Tak boleh expect duit akan dapat balik sbb kita memang tengah belajar lagi, belum pandai (Allah dah bagi rezeki kebetulan dapat bonus, apa lagi...Bismillah! Tawakal kepada Allah!)
  2. Bila dah pandai kembangkan duit (untung lebih banyak dari rugi), bolehla target nak kembangkan RM10k dulu. Belajar nak kembangkan duit pun mungkin makan dalam 2-3 tahun (meaning 3 tahun ni aku kena fokus belajar saham supaya by the time retire @ 50, boleh buat income)
  3. % target untung pun tak boleh target tinggi sangat, tak realistik. RM2k jadi RM4k (100%) dalam setahun pun dah kira power (start small)
  4. Lepas tu baru boleh cerita modal besar.
Ya Allah! Permudahkan urusan ku ini Ya Allah! Tunjukkan aku sama ada ini jalannya Ya Allah!



Loan rumah

A few weeks ago, I reviewed the status of my liabilities: housing loan and education loan here. My next action was to go to the bank and find out more on the housing loan. My goal is to shorten the loan tenure.

 Actually I took the leave on 16 Mar to volunteer at my daughter's school to give out coffee breaks to the students when they finish their SPM papers. However, during the 1st week of SPM, some students shown symptoms of COVID 19 and when tested, about 60+ were positive. As a preventive measure, the school decided not to allow outsiders i.e parents/volunteers to enter the school. I was supposed to come in the 2nd week but well, not my rezeki I guess....

Instead, I went to Maybank Serdang to ask about my housing loan. I wanted to ask about what happens when I put down cash to off set against my principal whether it will affect my monthly instalment. The answer is NO. The instalment is as agreed as per contract. It would only change when there's a change in Base Rate (BR). Although I see my instalment has reduced from RM1,300 to RM1,150, it is because the BR rate is now lower. The instalment may stay RM1,150 for the next 4-5 years.

So I asked how can I reduce my monthly instalment. The staff said I can't because it has been pre-agreed. Unless I restructure the loan but that would stretch the tenure longer.

Or I can use my EPF withdrawal to settle the loan when I'm 55.

I used online calculator to estimate the loan


Need to further understand what is BR, BLR and apparently SBR wef Aug 2022. More about it here

Wednesday, March 30, 2022

Berhenti kerja before 50?

Previously I aimed for VSS. However, after understanding the process and why it is done specifically, I don't think I will be able to quit with VSS. 

  1. Usually they offer the scheme for staff age 50 and above, means I have 3 more years to go (if I can stand that long). We are not sure whether the scheme is available by the time I'm 50.
  2. If the company do offer VSS, I might not be able to get it because it will take the position box away too. 

The worst thing to happen if there is a VSS, my application may not be approved by the management. The only way to leave the company is to resign.

So I really need to start my side hustle and look for part time job.


Persediaan menyambut Ramadan 2021

 Ahad ni dah masuk 1 Ramadan. Aku memang look forward Ramadan. Kalau dulu aku look forward sebab, orang lain rilek masa Ramadan so kita pun jadi rilek sikit. Boleh buat kerja dengan aman. 

Selain daripada tu, sekarang aku look forward Ramadan juga sebab target nak dapatkan khatam Quran dalam bulan Ramadan. Currently aku dah baca sampai muka surat 470. Aku dah buat kira-kira, aku kena baca dalam 20 muka surat sehari untuk 7 hari (Ahad 27hb - 3hb Apr). So dapatkan Ramadan start fresh. Sekali aku period la pulak....

Apart from that, aku kena plan menu which I really like. I notice bila bulan pose, kalau masak nasi putih lauk-pauk tak berapa laku. Kena masak special la contoh nasi bertema eg nasi ayam ke, nasi tomato, nasi arab etc. Mee pun boleh. Our staple menu (kalau Ramadan mesti ada dish ni) is murtabak. The key is lain daripada hari-hari biasa. 

Kalau sahur pulak, tak payah fancy-fancy. Masak nasi putih dengan lauk saja.

This year 2022 mungkin last Work From Home (kalau lepas ni aku berenti kerja, ok la) so aku kena gunakan Ramadan tahun ni sebaiknya.

Bekalan stock kena ada masa bulan Ramandan:

  1. Ikan bilis
  2. Chilli oil
  3. Serunding

List of dishes for  Ramadan (either previously made or new item)


Dessert/ Pemanis mulut. Kalau tak buat dessert, air kena power


Kena buat extra juga untuk share dengan jiran-jiran




Monday, March 28, 2022

Financial Planning

 Weekend was quite busy. Actually productive! Pagi tu aku ada register free class 'Newbie Saham Mastery Online' by Tuan Nizam Malek. Ok jugak sebab memang betul-betul basic, memang praktikal. Ajar cara baca app dengan screener. Pastu dia ada paid online class for RM700. Available for 6 months, belajar ikut masa sendiri. Rasa macam nak amik, cuma belum buat tindakan

That free class start kul 8.30 - 11.30. Aku rasa content dia betul-betul start kul 9.00. Habis lambat, dalam kul 12.45. Aku kat Mat Ayam Kampung Seksyen 7 masa tu, tengah lunch before amik my daughter Jasmin kat SGS, Seremban. Dia balik for good tapi SPM tak abis lagi sebab dia kena COVID haritu.

So after lunch, pegi amik dia. Sampai around 1.30pm. Lepas angkat barang sume, plan nak singgah rumah my brother kat Jasin. Sampai Jasin dalam pukul 3.30pm and kebetulan family my sis in law ada sekali. Aku rasa bertuah/ rezeki aku dapat jumpa mak and ayah dia sebab dah lama tak jumpa. Umur mereka dah masuk 80an, tak secergas dulu....gitu la manusia. Nanti giliran aku pula....Rupanya dioghang ada buat makan-makan, again rezeki kami dapat merasa air tangan mereka. 

Then bertolak ke Batu Pahat pula around 7.00pm. Sampai Batu Pahat dalam pukul 9.30pm. Borak-borak sampai pukul 12.00. Esoknya mak aku ajak settlekan cukai tanah kat Bangunan Gunasama. Pastu beli Nasi Baryani Mat Shah yg femes kat Batu Pahat. Beratur dalam 1 jam juga la, tapi memang takda rezeki nak dapat kambing. Kitoghang memang dah sampai depan kaunter nak order, alih-alih dioghang kata kambing dah abis....Adeh! So kami beli lauk ayam saja 9 bungkus, yang lauk kambing beli kat orang lain.

Pastu pegi Majlis Daerah dekat Dataran Batu Pahat, dapatkan borang untuk update nama pemilik Taman Makmur daripada nama arwah ayah kepada nama aku. Kena ada supporting document tapi tak bawak, so bawa balik borang tu dulu, hantar kemudian. Balik dah pukul 11.30, makan lunch nasi baryani terus sebab aku nak bertolak dalam pukul 2.00 ptg sebab nak jumpa adik aku lagi satu kat Ayer Hitam.

Why tajuk Financial Planning? Sebab main objective nak bantu adik aku yg Ayer Hitam tu pasal kewangan dia. Dia banyak dah buat silap, memandai-mandai, meminjam-minjam, janji manis, terjebak...semua lah...sepatutnya dengan gaji yang dia dapat tu, bulanan dia selesa tapi...hai, ntah la. Nak marah-marah dah tak guna. So aku insist nak jumpa dia, tolong apa yang boleh. Bukan bagi dia duit untuk selesaikan masalah, aku pun tengah berjimat sebab nak bersara awal. Aku bantu dia kirakan perbelanjaan dia guna Excel. Alhamdulillah, dia suh forward Excel tu untuk discuss dengan wife dia. 

These are the things I want to focus on, not my work anymore....help people, help others, help my children, help myself....

And lastly, bertolak balik dari Ayer Hitam dalam pukul 7.00pm, straight nak gi amik Dina kat Sunway. Sampai Sunway dalam pukul 12.00 tengah malam sebab PLUS jem. Dina lepak kat tempat kawan dia kat Sunway lepas balik dari program kat Perak. Kawan dia tu sama-sama pegi Perak.

9 things achieved within the weekend. That was a lot!

Saturday, March 26, 2022

More about my whys

 Last post yang aku tulis "What if aku still tak happy"  was about aku merajuk sebenarnya. Something happened and I was angry and got sad. Geram pastu sedih. Tu yang berbayang, nanti bila aku berhenti kerja, camna aku nak melepaskan geram aku? Aku kena ingat moment-moment ni supaya aku tak menyesal bila aku berhenti kerja nanti.

Tak menyesal tinggalkan dunia pekerjaan?

Kalau aku deep dive betul-betul, sebenarnya aku ni bukan tak nak kerja.  Aku rasa aku dah tahu game company aku, I know I'm not going anywhere...so why should I stay? Plus aku rasa kiamat dah dekat, aku fikir Allah turunkan situasi COVID 19 ni bersebab, untuk aku fikir balik kehidupan aku. Sebab aku takut aku tergolong dalam kalangan orang yang bila tanda-tanda kiamat dah ada pun masih ingat hal-hal dunia. Aku bayangkan kalau aku tak sedar, aku terus buat macam biasa, pegi keje, aim nak beli itu beli ini....dok perati orang lain buat apa, envy tak tentu pasal dan lupa pasal bekalan akhirat. Takut bila baca cerita-cerita ambang hari kiamat...akan ada orang yang tak sedar! Nauzubillah!

Side hustle

Aku still lagi tak jumpa my side hustle. Haritu dah update Linkedin sikit, belum letak gambar lagi. Aku ada buat calculation jugak on income from dividends. Consolidate all my investment, tengok berapa boleh dapat from dividends. Kalau ikutkan aku kena bertahan hingga aku umur 50 untuk kumpul EPF supaya dividen EPF boleh bagi aku dalam RM3,000 sebulan

Since husband tak expect aku dok goyang kaki saja, aku boleh la buat kerja-keja 'rencam', at least boleh dapat RM1,000 RM2,000 ribu ke as a start. RM500 pun dah cukup baik....haha! Ni yang tak dapat-dapat ni. Aku kena start while I'm working full time. Haritu ingat nak focus kat trading kan. Sekarang ni nak try cari kerja part time la, kerja yang senang-senang. Data entry pun takpa la...

My visual about my life when I quit. The difference 

I control my time

Pagi macam biasa, mengaji, buat breakfast, exercise after 7 am, tak la ada time limit sebab kalo keje dah kena prep nak masuk opis (tak kisah la WFH ke WFO) pukul 9.00. 

Clean the house in small chunks

Dalam schedule aku akan ada allocation untuk house cleaning about 1 hour. Lap habuk, tackle space yang jarang tackle. Harini buat bilik, esok buat toilet, lusa buat porch. Ini memang kelebihan orang duduk rumah. Usually kalo aku bekerja, either aku amik cleaner atau nak lebih puas hati, buat sendiri. Sebab dah biasa tak attend tiap-tiap hari, aku akan buat hari Sabtu dari pagi sampai tengahari dalam 7 jam kot (separuh hari).

Work on my income

Within that 5 'working' days, I still need to work to generate income especially if I want to travel. To be updated. 

Focus on the children

Aku kena ambil berat pasal pelajaran anak-anak. Bagi mereka motivasi, semangat, face challenges etc. Kena ambik tahu homework dah siap ke belum, volunteer kat sekolah dioghang, This activity will be in the afternoon sebab pagi dah mengemas, exercise, memasak, update blog, buat kerja 2-3 jam

Other

Other than that, leisure la. Buat life plan, check investment, gardening maybe, attend to porch yg selama ni aku tak sempat tengok, socialize with neighbours, phone mak, Semua ni aku tak sempat pikir sebelum ni sebab kerja makin lama makin ntah macam-macam. Kekadang baru nak tersedar 'Eh! Dah lama tak call mak!'


Sunday, March 20, 2022

What if aku still tak happy?

 Another thoughts came to mind. What if I'm still not happy if I quit my job? That would be the worst thing could happen. Dah la takda duit, tak happy pulak tu. At least now, if I feel a bit off, I could do some retail therapy.

What do I expect to change if I quit my job?

What if I'm still not happy?

Am I really not happy now while working?

Maybe I need some accomplishment to keep me going? A hobby? An achievement?