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.

In Which Hate is an Understatement

depressedI’m wishing for a clearer vision. Maybe I’m talking about my eyesight, of maybe I’m talking about my goals in life. I don’t know. I can’t be too sure. It has come to my attention lately that my habit of getting bored so easily is not very favourable. It’s not about getting bored in lessons. It’s about getting bored at things and people. I may love someone to bits today, and gets tired of hearing his voice tomorrow. I may treasure an expensive fountain pen so much today and forget all about it, maybe even misplace it the next day. I’m currently distressed and distraught over a new dispute with Wellesley Student Apartments.

My friends know how I openly hate the AUT managed student accommodations. The staff are unfriendly, and they charge money like there’s no tomorrow. You can’t even have a small speckle of dust in your room, or you’re going to have to chuck out $50. If it’s your housemate who’s at fault, you’re going to walk in shit as well. You can’t even do anything about your housemate next door who snores like a pig every night, runs and stomps her feet along the corridors at night, opens the light because she’s scared of the dark (and wastes the goddamn electricity), brings friends into the house and tells said friends “It’s okay, you don’t have to take off your shoes” when it’s a rule that we don’t tolerate people walking the corridors with their shoes on, throws a party that interrupts the peaceful evening, keeps her door open with a guy lying on her bed at the door where her Muslim housemates walk by, and many other things. If there’s one thing I hated as much as WSA last year, it’s June (who found my blog post last year and bitched about it to someone else, who then told me she complained about it. Lol.)

But hey, I’m hating WSA more than anything now. The statement says I owe them $458.56 of rent money. I remembered paying cash at the counter, so technically, what was paid by cash doesn’t show up in my bank statement (once, when I withdrew money my mom deposited and spared some for rent. I was alone, not with Mira at that time. She paid one or two days before me, if I remember correctly.). So now I’m expected to pay for it, maybe before September. I want to just go to O’Rorke Hall right now and smash down a $500 bill on the counter, ask them to call the management next door and settle the damn thing and then leave with a disgusted “Keep the change, bitches” remark. I can still control myself, though.

Until today, I’m still angry at the people who managed our accommodation for last year. Angry at the ones who arranged for us to stay there too. We were University of Auckland students living in the Auckland University of Technology accommodation because the Malaysian government didn’t give us enough money to stay in our own University’s hall of residence, which is ironically just next to AUT’s. How stupid is that? We didn’t have a choice. We were almost strangers there. WSA people don’t have to try to clear shits up by saying that they don’t treat us any differently. I know better because I’ve experienced it (what, you think I couldn’t see how trashy the next door apartment was on the day of inspection? Bluff.)

Even if  I do owe them money, why didn’t they inform me earlier last year? Why not before I go back for a long summer holiday in Malaysia? They could have told me on the day I checked out: “Oh by the way, you still owe us money.” No, no, no. What they told me was “Okay, that’s all there is to it! Have a safe trip, bye!”

I’m so tired of all this. I just want to go back to Malaysia. I suddenly want to hug my parents so badly.

Countdown to Departure

So sad that my holiday is finally coming to an end. My days of sleeping after subuh prayer, lazying around doing nothing, shopping until my feet cannot hold, not worrying about food, etc etc… They’re all coming to an end 🙁 My flight is on the 20th, 9.15pm. Ah.. Another over 10-hour trip. At least I get to sleep on the plane.

Let’s see what have I bought during this looooong summer break:
+ Sony Vaio VGN-CR23G/W (white is so cool~ and 2.0ghz + 2gb ram is good enough for me And free VOS too, and lots of freebies)
+ Sony Cybershot DSC-T70/W (because T2 has smaller LCD, and I don’t need 4GB to take pictures! The free 1GB memory stick is more than enough for me.)
+ Philips SA3124/37 – 2gb (finally, a new mp3 player! Okay, it’s music and video player, but I only use it for mp3s)
+ Western Digital Passport (External HDD) 160gb
+ Motorola V6 Maxx (okay, I give up. V9 is still too expensive…)
+ 2 2GB PenDrive Mini
+ Lots and lots of clothes (jeans, cropped jeans, t-shirts, lounge suits, etc)
+ Lots of Nike stuff (yes, I’m a big fan~), including the cool (yet bulky) Chisel watch (I want to buy Imara Kylo or Imara Keeva.. maybe in Auckland) and 3 pair of shoes (1 free mary jane, 1 sl IV wide and 1 air force 1).
+ Elizabeth Arden Valentine Set and various L’oreal and Maybelline products (and other products too, actually. I haven’t bought cosmetics and skincare for a while…)
+ Elizabeth Arden Green Tea EDP 50ml and Salvatore Feragammo Incanto Charms EDT 100ml (couldn’t resist!!)
+ Sony headphone and Philips In-ear Turbo Bass earphone with neck strap (yay!)

There are more, but it’s impossible to list down everything.

I’m really, really BAD when it comes to spending money. For the next two months and a week, I shall live with this:

Travellers Cheque

AU$ 5850
(Nigel, I owe the pic to your creativity XD)

Signing off~