A Race for Time Management and Financial Planning

Aunt’s House @ Bachok. Sending off my cousin to UiTM Chendering.

Good time management and financial planning is essential for when you have big events coming up in your life. You can’t do with just one because financial planning alone is not enough and vice versa. When you plan your money, you plan your time as well. It’s almost the same as making investments with banks. You choose a certain period of time, you keep your money there and reap the benefits.

People who have never been to Kelantan may say all the bad things they’ve heard about this state – dirty, poor, etc etc but there has been much development around since the past few years. I could barely recognise my own place anymore after spending much time someplace else. New highways, new flyovers, new buildings, new towns, high-rise condos, shopping malls and many others keep sprouting one after another that the GPS data needs to be updated all the time.

This state is chock full of people. During school holidays, traffic defeats those of big cities. Driving from Federal Highway into Bangsar after office hours is more bearable than driving into Pasir Mas from my house on a normal weekday during school holidays. This is why it is very important to plan things ahead of time. If you’re slow, you lose out on so many good deals.

The Race Against Time: Since Kelantanese return to their hometown during long holidays, tourists need to book accommodations way ahead of time if they plan to visit the state for shopping at Rantau Panjang, Wakaf Che Yeh or even Pasar Besar Siti Khadijah. If you’re coming here for big events such as weddings, you will have to book at least one month before your projected day of arrival. I am currently facing this problem of finding accommodation for visiting relatives. We made a big mistake of not forming a solid plan until a little over two weeks before the date of the event. I called at least 10 guest houses and got the same response over and over: “Fully booked from 28 May to 8 June, sorry.” I drove along the Salor-KB highway into Jalan Pintu Geng until Wakaf Che Yeh to look for decent accommodation open for booking. Tune Hotel next to KB Mall is nice, but the rooms are very small :/ In the end, I chose a fairly new inn around Wakaf Che Yeh. The rooms and beds were okay when I looked, so yeah. Before booking, I asked two nearby inns and found them to be fully booked as well. See how busy this state is?

If you’re planning to get married or engaged in this state, you also have to be VERY quick with your bookings. Bridal boutiques and bakeries are fully booked everywhere. For weddings, it is essential to book AT LEAST FOUR MONTHS BEFORE the big day. Note the ‘at least’ in capital letters. If you try to make bookings around 3 to 2 months before your chosen date, the shop owner would give you a look that says ‘are you kidding?’ -_-”

Finance is the Key: It is most crucial to plan your money. The price of everything seems to move with time. Well, same rules as the peak and off seasons for accommodation apply. Financial planning for the big day must involve two parties. It’s a two-way communication. One way communication just doesn’t work no matter what people say. At my age, I have to draft a solid money and spending chart every month to determine how much I could save and how much I must spend to survive the month (pay bills, car instalment, credit card debt repayment, essentials…). This year and next year will be different, I hope. After confirmation, I’d be around RM430 richer than this year. I just have to make sure my confirmation goes smoothly 😀

Saving money towards a certain goal is recommended, right? Same goes to saving for the big day. I don’t know about other people but I’m the type who don’t want to trouble my future husband much. I won’t force my spouse to give me an additional RM1,000 just because we’re married and just because he must give me money for maintenance (nafkah). I won’t be an unemployed housewife, so I could at least help out where necessary. I believe that finance is not the sole responsibility of only the husband – the understanding wife must also play a part ^_^

If there are people who claim that I am too young to tie the knot at this age, I want them to ask themselves; “How old were your parents when they had their first child?” This whole process used to be so simple. I have no idea who came around and made things complicated in our current society :/

Until later. Lots of work to finish still.

© 2011, Adlina. All rights reserved. Please link back to this page if quoted.

2 comments

  1. floodsmart.gov says:

    I think the large number of passing yards are a reflection of the defenses we’re in and the situation. They’re going to a zone trying to keep everything in front of them.Yes, we had a bunch of running yards last game. I’m not convinced that the problems are gone there. We didn’t run it very successfully in the fourth quarter when we were trying to run out the clock.

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