Inspirational Monday

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I want to create a life where the choice of making decision lies in my hands. Whether having street food or savouring a meal at LadurΓ©e Paris Champs-ElysΓ©es. Whether it's cycling to work or go grocery shopping in a fancy sports car. Whether it's strolling at the park nearby or paying a visit to the Natural History Museum in London. Enjoy life and make decisions not based on affordability but solely a choice I choose to make. Giving myself financial freedom so that I could be present where life truly is. Not dollar and cents. F price tags.

Update: I've been diving into new areas out of my profession, increasing my net worth and finding someone to share life goals, aspirations and laughter with. Crawling through the final leg of February like a goofball because it's coursework week. Dealing with studies and backlog of blogwork. Also craving for a chocolate doughnut. How are you doing so far?

Fight strong. Stay humble.

Inspirational Monday


FEBRUARY 2017 marks the 27th month I've been in the corporate field as an internal auditor. In most cases, we deal with top management the most and people up there have fought for life, went through hardship and view things differently from a broader perspective. There is a saying: You are the average of 5 person you spend time with. Honestly true af. One thing I've learned from the baby boomers, was the importance of going an extra mile in all our endeavors.

Perform beyond expectations. If you only do what you're meant to do, darling, that's when you get a stagnant paycheck. In order to be successful in life, be observant, proactive and have the willingness to do more, think more, have a holistic perspective and go beyond the call of duty. Mum keeps reminding me, what is there for you to lose? Probably nothing. Being a 90s kid, we know the Big 30 is coming our way. Time to pass on the baton to the millennials. 

We haven't been catching on sufficient snooze for the past 2 weeks. Now where's my pillow.

5 WAYS TO SAVE MONEY

. ZALORA slingbacks .
[use 'ZBAPQLL' for extra 15% off]

.01 CUT DOWN ON GOING OUT
Yumcha a.k.a. Drinks Session
Shopping
Movie Night

.02 GO LOW MAINTENANCE
Haircut ['Bangs' can be cute but visiting the salon every 2 weeks can be a hassle]
Haircolour [Haircolour that requires bleaching can be fun. But touching up roots can be costly]
Hair Removal [Waxing? Why not opt for laser hair removal. Cost saving in the long run]

.03 INVEST IN GOOD SKINCARE AND STICK TO IT
Monthly facial visits might not cost a lot in a glance but add that up to your skincare budget and compare that amount to your housing/car installment, it can be substantial.  Make laser/aesthetic treatment a 'TREAT' but not an essential. Better off converting additional beauty treatments into shares or other investment medium.

.04 MEASURE THEN BUY
Know how much you consume and actually NEED. I suggest buying products on a replenishment basis only. By the end of the year, you'll see how much cash you've saved. Through travelling and being constantly on the go, I've learnt that I need very little to get through life. 5 tubs of body lotion and 7 bottles of moisturizer is unnecessary. I keep brow pencil and lip products to the bare minimum and only use the few that I truly love. Beauty products can be costly and would expire averagely in 12 months' time.
Purchasing too many of the same products will end up being thrown away. 

What I use:
- Oskia Cleansing Gel (100ML) - 4 months [RM140 x 3 = RM 520]
- Pixi Glowtonic (250ML) - 4-5 months [RM85 x 3 = RM 255]
- Aesop Parsley Seed Serum (100ML) - 4 months [RM220 x 3 = RM 660]
- Khiels Midnight Recovery Concentrate (30ML) - 4 months [RM220 x 3 = RM660]
- Skinfood Black Sugar Mask (100ML) - 6 months [RM35 x 2 = RM70]
- Laura Mercier Primer (50ML) - 6 months [RM180 x 2 = RM360]
- Laura Mercier Foundation(30ML) - 8-9 months [RM 230]
- Shampoo (30ML) - 3 weeks
- Shower Gel (100ML) - 5 months
- Body Lotion (100ML) - 3 months

The bulk of my regime costs approximately RM3000 annually. This excludes haircut, quarterly facial sessions and occasional gel manicure. 
Strongly recommend to stick to a beauty budget. There is no one to blame when you couldn't afford to pay your bills or an annual getaway.

.05 COST PER WEAR/USE
I've always emphasized that its wiser to spend $1000 on a pair shoes/trousers that you wear 3 days a week than a $100 dress you'll wear only once.
Find a balancing point between the price tag and the frequency of wear/use. Create a habit of looking at the product first before the price tag.
Rationalize a purchase based on whether you think you need it, and not by the price tag.
Don't buy something just because it's on sale or because you think you MIGHT need it. Trust me, you don't.

 

 
ONLY BUY SOMETHING YOU CAN AFFORD
DON'T BUY ANYTHING ON CREDIT
AND LAST MOST IMPORTANTLY
NEVER GO IN DEBT.
 

 

BE MENTALLY, PHYSICALLY AND FINANCIALLY STRONG. Enjoy being a woman but also bear in mind that we have power over our own finances. Put money into education funds, travel, investments, retirement and even building your first bucket of gold. If not now, then when? Through phases as a teenager and now as a woman,  I've always been savvy.  Majorly cut down on monthly haircuts, facials and shopping therapy. Anywhoo, I still treat myself when along the way. Its the joy of buying things I love and treating myself well, but only spending within limits after planting seeds for my own future.