Income / Expenses 2012

Let see now. Roughly I am able to know how much my monthly money flow from this chart I just created. Yeah. I really have nothing to do now apart doing this sort of random stuff.

Income

As you can see from my current Income chart, most of my income came from my fixed income. My business sales and loan are my variable income. So for now I need to increase my business sales to about 5% to compensate with the stock purchases. I am still studying other aspect to increase my income from time to time. Other than that, I am having quite a stable income.

Expenses

When it come to the Expenditure chart. There still few room for improvement. Since my parents will be receiving a 50% from my basic salary, the rate of ~31% will be a fixed expenditure. As for loan, this year there will not be any increment or reduction. 

The investment are fix at 2%. However, additional 99% increment of one time investment is being finalized by the end of this month. The credit card usage and payment are mainly due to backdated spending and progressively being cut down to as minimum as possible. I am expecting to reduce the credit card usage this year to 10% by the end of 2012. 

The donations will be increase to 7% proportionate with the reduction of credit card. 

Saving are included under self and will be maintain at 10% for this year. Apart from that, miscellaneous expenses will be recorded under self such as repairs, petrol, and personal expenses. 

Dropbox

Sharing is caring. 

So what other way to do it by doing it via online file sharing. I know we have a lot of option but I find that with Dropbox you could do it as your very own back up (just like iCloud) or you sharing with your fellow friend. 

It's easy and it even run on the background so you don't have to wait while doing other things. The plus side of Dropbox is every time your friend registered from you you will get additional 500MB for FREE. 

That's cool right? So register now. Better yet register from me so I can get FREE space too. 

 http://db.tt/LhqWJwrd

Mommy Dearest

By now I'm sure some of you know that I'm actually a mommy boy. Yup. I admit that myself too. I love my mom obviously.

You see I talked to my mom almost everyday. Well basically just giving her updates on things that going in my life. I lived on my own. Yeah she been nagging me to come back home and stay with her but I am not used to living in 'rural' area. Haha. She is most welcome to come and stay with me if she wish. But knowing her, she won't.

It's very common for us to fight from time to time. It's not that I hate her or anything. It's just a very constructive exchange of ideas. Plus regardless of our argument, when she too lazy to argue she just continue watching the tv and ignore me.

Oh ya. I am also her personal secretary. Basically I did everything for her. My brother not so much. She know I am more reliable compare to my brother. Plus knowing me, I am kind of a perfectionist. So I know when to get things done accordingly.

My mom loves to travel. It's like a sign contract with her to plan for places to go every 2 months. Sometimes I can't cope up with it since I'm mostly busy with my work. Leave hard to get these days.

So don't be jealous of me ok. I'm sure most of you too are mummy boy.

Happy Birthday Mom!

Limited Access Online

I've notice that some artist impose a restriction to people or even block especially when it come to music video. I really don't understand the need for them to block for viewing. How else do they expect to know about the song. People want to know if it's good or bad before deciding to buy the album. I mean come on.

I love artist such Adele who really don't care or afraid of people downloading her song. You see when people see how good the music are, they wouldn't mind buying the album. Without any restriction or blocking I am able to fully enjoy the music online. Heck they even put out the whole DVD album for viewing. In turn, fan like me will buy the music even though I could just download it. So artist shouldn't be afraid of letting people know about their music. If its good, it's good. People respect that.

Yay! To Adele and others who openly share their music.

and

Boo! To those artist who block or impose restrictions to viewers. Your lost not mine.

Spend All The Money

As I promise myself few years back, I no longer take account of my spending. I told myself that everytime I travel I would use the Business Class seat unless its a foreign airlines and I did.

Plus, I am spoilt with the luxury, I can't really stay at normal hotel room nowadays. It's should be greater than a Deluxe room and if I'm not happy with the interior I will change it to a Suite.

Life to short. So I'm enjoying it while I can.

Show Your Wealth

Some of you might find this to be disturbing. Some might even feel irritate to the idea. As for my opinion, I do believe telling people how rich you are does beneficial to both party. Still there are pros and cons for the action.

It's not to brag or being snobbish. It just to tell people how much you have achieve in your life. Like example for business man, they are require for them to show how rich they are. Why? The reason being is simple. When people see your asset, they will be more confident doing business with you. Have you seen any rich man driving a Kancil car and said he earn millions. No right? People will start questioning him if he is telling the truth or he just trying to cheat your money.

Some how I can say its not our culture for the need to show you wealth to others. Some people find it to be intimidated by such action. I believe also jealousy from other will come after. You see, to me I'm happy to see other people rich. It makes me wonder, how can I be just like him/her. Yes you can say rich people don't share their knowledge but with some who does, make full use of such informations given.

DON'T get jealous. DON'T get angry. Nothing in this world is easy. Money doesn't produce from trees. So instead of hurting those who achieve well in their life, try to be like them. I hate when people complaints that rich people like showing off. No. They are not. They are simply enjoying their life from their hard earn money. They work for it, so they have every right to enjoy it. Well, exception given to those who really deserve a slap on the face for being snobbish.

My target in life is to be millionaires and I have been trying my best to reach my target. Nothing is easy but nothing is impossible as well. I have a friend who had nothing. He was poor as he lost his job. However, he never give up. Yes, I helped him even though he never asked for anything. He worked hard. Looking for any job he can grab. Started from below and now just short of a year working he is a manager in his company. All because he never give up and work hard to make money.

Money is never enough. But oppotunity are abundant. You just need to know how to get it. If you are lost, don't feel shy to ask for help (not ask for money but ask for knowledge). Surely people will glad to help you achieve your target.

Nonetheless, always be careful with your surrounding. We can never know how safe we are. Strangers mind aren't easy to predict. So you must always know what you are doing.

Life Update 2

Exam is coming up in two weeks time. I should be studying by now but still I don't have the will to open any books to read. Maybe April 1st would be a good time to start. Just giving myself a break for a day or two this time.

I realized that I managed to archived some of the new year resolution already. I was happy with such achievement. After all I created a whole bunch of target just to keep myself going. Personally it's a good way for people who is as lazy as I am to make myself useful.

I do love giving donation. My problem was it did not recognize by the government the last time I did as they said the orphanage and school did not apply for the tax rebate from the IRS. So instead of just helping me to fix the mistake, the IRS charged me RM300 as compound saying I falsify my tax. It's just made me sad and I cancel all my auto-debit donations to all charity. I decided to just give directly to the homes things they can use instead of money now. It's sad that when you try to help other, you got fine for it.

My sales at the moment already reached RM4700 and it just two months since I started doing the business. Although the profit is not that much, I am just happy that I could reach my target beyond my expectations. So I am preoccupied mostly trying to broaden my scope of products. See how the market are.

I need a break. A proper break. I wish someone would help me planned all my holiday for me and I just relax enjoying it. I'm a planner so I am still the best at doing all the planning. I did gave my friend a try to plan for our trip and I had to take over once we were lost. Yeah! I purposely go with the plan until I see it's critical before I jumped in. I'm just very detail when it come to planning. No matter how lazy i say I am, I would still end up making the proper plan for my trip.

Maybe I have OCD?

Maybe I am a perfectionist?

To be continue.....