Restructuring

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Late 2012, I started looking into restructuring my life financially by getting rid of unwanted things and reorganised for saving.

I refinanced my houses. !0 years ago Islamic loan was expensive. Now the rates are competitive. Even with the lawyer fees and stamp duty and also new housing insurance, I still save a lot and extra cash.

I sold my 17 years old car and bought a scooter for my wife to retain my car registration number. Old car started giving problem and put aside all sentimental element, you have to go.

I cancelled my Astro. I opt for cheaper alternative.

I tried to cancel my credit card but unsuccessful after they waived all renewal fees.

All because, I aim to be financially free when I reached 50.

financialfreedom

 

Sitcom Addict – The Big Bang Theory

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I am addicted to television sitcoms (situational comedies). My all time favourite is Friends. I used to like English and Hindi movies and drama. But now everything seems too long for me. Time is too precious to waste.

Now I opt for Sitcoms. Without advertisement they are just 20 minutes long. I sometimes have 20 minutes to waste.

I downloaded all of them from internet to watch. Saved in thumbdrive, plugged in TV and watched whenever convenient to me.

Now I love The Big Bang Theory which currently in season 6 in the US. It is a story about nerds. The other one is How I met Your Mother which currently in season 8 in the US.

 

Remington Hair Clipper

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I was searching the whole Alor Setar for a decent hair clipper but what I found were cheap china-made clippers or imitation Wahl products. In Tesco they are selling Phillips clipper which costs nearly RM200.

Imitation Wahl  and no-brand product from China won’t last long and the cutting is not smooth and it stuck while cutting thick hair.

When I look in lelong.com.my, most of them are selling china brands and claimed-original Wahl products which I do not trust.

At last I browsed ebay.com, I found a lot of sellers form US and UK were selling well known brands and I bought the top of the line Remington clipper from UK. It just cost less than RM150 including shipping.

To my surprise, the shipping just cost £0.99 and it only took 7 days from UK to Malaysia. How UK Royal Mail did that? For comparison, shipping from US to Malaysia using USPS takes around 10 days and costs 10 times more.