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.



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