Showing posts with label finance. Show all posts
Showing posts with label finance. Show all posts

Wednesday, July 15, 2020

Who called me?0102364966

Who called me twice yesterday? It was 0102364966, bad timing to call also it was time when I am about to prepare for my son's schooling. What would you do when you pick up a call that told you, you just need give her a minute to talk? But you already mentioned that you don't have the interest to listen. First she mentioned that she called from disabled/old folk home, but where does she get my number? How she knows my name and then when I told her I have no interest to listen anymore, she started to question are you already attached with any old folks home etc. Maybe she mean of donations etc.All sudden she has interest to know more.... but why not just get to the point? Anyway I have blocked the phone number, she used the number to call me twice that day! She speaks in mandarin language. I am sure it's part of the telemarketing. She could be having a long list of names to call others after me. I told my friend, and she too told me she received the called few days ago.I googled the telephone number and it someone posted this as scam called.

Another friend told me this what he does, he received such called, he directly told the person to remove his phone number from the list and told the caller that this is a private number. He even asked where the caller got his number, but there's no reply about this. 

We know that it's RMCO and everyone got to work for living, already got so many people losing jobs and also having salary cut. Not earning and got to save at the moment, you never know when you need to spend it. My dear having his salary cut too and I got to save money for the rainy days, got to check on how much spend and nee to spend too.

Education is important and I continue to support my children for their tuition, etc. No water at the moment, it's 2nd day of not having water supply at my area. Already used up 3 buckets of water in the restroom, bad timing of having no water as son just started SMK back to school also my menstrual period comes.

By the way, do you prefer to receive a call that the person would just get to the point or goes a big round talking and only get to the point? 

Friday, December 28, 2018

Depression is real never neglect that

Its school orientation day today from  8am to 10.30am but son and my spend the longer time there as he saw the wrong class name and went in the wrong class. What's most funny he told me is 1 Jantina class name, I was like hhmmm... that's first time I heard there's such name as Jantina in Bahasa Malay language is Gender which is either Male or Female.Not just that he went into the class is named 1 Adil , his actual class that need to be there was 1 Bakti. He given the RM35 to the class teacher Ayuni in 1 Adil, he supposed to pass the money to teacher in 1 Backti, so teacher says never mind as on next Wednesday she try to ask the class teacher for the money. We went to the office and redirect to down stair teachers office but sadly teacher Ayuni not inside. Also son bought the wrong size pants, RM26 he suppose to buy XXL size. He says he worry that it would be too big for him and he was confident that he can fit in the XL. Looks like we need to spend again on purchase new pant at school.

Son says that he glimpse too fast on the name list and saw the wrong class name. 1st time was 1 Jantina, 2nd time is 1 Adil. He saw his other 4 classmates in the class of 1 Adil. The teacher no longer there when I reached the class as in the hall we need to listen to the talk til end. Koperasi only open 10.30am onwards.

Well story cut short, sad to say I read on Facebook on the online news that a woman in her 30s had jump to her death in the shopping mall. It's sad to know these, she probably had die on spot due to head injuries. The news is online on many newspaper online, also video on the body was being covered as someone recorded 15 seconds of it. Blood stained at the escalator... depression is real can never neglect yourself and loved ones, what ever it is talk about it, open up and speak to family/friends or even consult a doctor about it. You never know that many doc would advice you on going for a counseling.

Indeed a long day for me, just a note to self that never go back the famous chicken rice shop near LRT, it doesn't taste good at all. Son had wantan mee, I had roasted chicken rice.

By the way, I have update social media today, can visit sherrygo at Instagram.

Thursday, November 15, 2018

Kicking legs by son, damaged ...

Yeah the other day youngest son has kicked non stop the car front area, damage the air con of car. Repairing cost RM500 for the car aircon.

Happening today my note 5, place on chair while checking his standard 2 text books. He kicked the chair as I told him to do homework and the phone was on the chair fall on floor. Cracking the screen of the phone, repair how much? No idea, I bet it's not going to be cheap.

Not just that he also damage the Ipad, he says Ipad slipped from his hands and it fell on the floor. Yeah cracked screen Ipad, damaged screen not sure how much for repair.

Tuesday, September 12, 2017

Busy lifestyle but family first

Happy day to me as my 2nd sister called me up in the afternoon while I just park the car near school to wait for son finish class at 1.30pm. Guess what?! She is in town this two days and she is with sister and mom nearby. She asked me to meet up with them for lunch and glad I do so. After send son home then I have a quick toilet break and then I go. Parking next to the mall, which is another mall I parked.

Another sister called me to say where they are eating now, so I go joined them for lunch. After lunch they have gone into the fashion outlet. My sister says that we have not meet over a year, I do missed her so much.

Just 2 days she is back and 2 hours we all spend together, yeah its a short time but I am very happy we get to meet and have a chat. She bought some bras at the mall as she need new bras. Glad she had done shopping before me as she say they are about to arrive the mall in 10minutes. But I am still 35 minutes away!

She kept a spicy chicken for me but I didn't take spicy chicken so I ordered the burger instead. I seldom eat spicy chicken as I do eat spicy burger. I can't take too spicy food. Sister bought me a new top and a pair of jeans. I am happy for that as she says she wants to give me presents. I given her an organic product for consume as well and also skincare care products too. Sound like we have a good time exchange gifts. Yeah I also have help mom to dye her hair and also give another sister some skincare products.

I send son for tuition then he called me again that he forgot about a book to bring. So I need to go back to collect for him and then mom is already ready to shower as they heading back to another town. Sadly I didn't make it to see them when I arrived back home.

By the way while heading back home, I called sis to ready son's tuition bag so that I can send to him at tuition. The book he wanted is in the bag. I feel that there's a car that hit my back, but I wasn't sure and it was long jam and I didn't able to get down to see. The new PERODUA MYVI in silver color hurry up overtake me and drove away!

Wednesday, September 6, 2017

August go September comes

Yeah it's another month and it's gonna be busy month as well. Last month August and my dear's salary is not out yet. Sad to see that happened, it's the first time and I it's tough so we need to save on shopping and spending.

If there's job I would go for it but depends as well because Sean has got tuition classes and need to be fetch from school also his little brother. I need to find rider as well for them if I go for the job.

When you are saying money is not everything but it does matter as money is where I need to use for paying the bills, the fees of school and tuition and many more. The car doesn't use water but petrol. Not going the events that I am invited only a few that I attending. I do see the place and time as I can't make it to all, if near public transportation I might considered.

Balance the lifestyle as attending to kids on their needs and guidance on homework. The last weekend we spend went to IOI Mall Puchong, such a long time no go there and spend more than 5 hours there. The Good Cake Shop was open there at the new wing! So many people queuing for it and my sister-in-law and sons to go for queue. One person entitled to redeem a full cake! What a deal that you can't resist, the yummy Taiwan cake! My dear also went for the queue that time was 2.40pm and he queue about 1 hour to get the cake, as it freshly bake so everyone got to wait for it.Just need take photo of the shop then tag 3 friends and the shop with the hashtags.

Well that's how my weekend goes, how about you?




Friday, February 3, 2017

6 Feb 2017 TNB 10am to 5pm

Today received a letter at the gate, stated that there will be no electricity from 10am to 5pm on coming Monday. It's going to be a hot day then also Monday son has got tuition in the evening.

Chinese tuition for 6 years old son I am having doubt to start him with it or not as it's very expensive. It's a once a week lesson and it cost RM490 a semester. Yeah means to pay the fee for that. His brother already going at the same tuition center.

I am thinking let him go next year as now expenses lot, the kindergarten for son for just morning class already cost RM450 a month.

Other subject that Sean is going at tuition is Science RM90, once a week.
RM250 for BM 1 and BM 2 , also math which is also once a week lesson.

Being a mom there's lot roles to play and part of it is thinking of expenses in the family. I am not working just housewife, send my children to study and also to fetch them. Then also send for tuition, because transportation is not cheap for one way and for each children.





Tuesday, October 11, 2016

4 Ways to Save Money on Your Next Remodel

Before you start knocking down walls for your home remodel, it's important to think about your budget. How much can you afford to spend on new fixtures and features? Where can you find deals to help you cut costs? Are there any preparations you can make in advance to save you money further down the line? If you're serious about avoiding the red during your next remodel, here are four tips for making it more affordable.


1. Have a Plan

It's easy to overspend when you don't have a clear goal for your remodeling project. You'll agree to anything that looks or sounds good instead of focusing on specific design elements, and you'll be tempted into unnecessary upgrades when you don't have a blueprint to fall back on. Be smart about your remodel. Plan it out before you use your credit card.


2. Make Plans Based on Deals

Instead of scheduling your remodel for the busiest time of year, wait until everyone is quiet and companies are desperate for business. Instead of buying a specific kind of hardwood no matter how much it costs, find a company that offers discounted timber and make your selection based on what's already on sale. Don't let your whims dictate your expenses. If anything, it should be the other way around.


3. Cut the Right Corners

It's okay to cheat a little on your remodel, but you have to make sure that you're cheating with the right things. For example, you don't want to cut corners when it comes to your water lines because they're so pivotal to your everyday life, but your faucets are another story. If you want to slap on some stainless steel adhesives instead of actually paying for stainless steel, no one will ever have to know.


4. Talk to Your Contractors

Don't be afraid to discuss money matters with your contractors. It's better to have a few awkward conversations early in the project rather than getting an unpleasant surprise on the final bill. If your contractor tries to play coy about costs, expenses, fees and surcharges, find someone else who will be upfront with you.


These are just a few things to keep in mind if you're watching your budget during a home renovation. You might want to find a contractor today for more information, including how to calculate expenses and what you can expect to pay for materials and labor. Good luck!

Sunday, July 17, 2016

One subject RM150 to tuition, two subjects RM250

A parents was discussing in the class group chat about getting tuition for her child. She wanted more parents to send their child together as need at least 3 to get start. I was told the price of RM150 for a subject, RM250 for the two subjects. The offer subjects to teach are BC and Math.

Though I think of sending son to go, but he is already having tuition of Math and BC. Both are once a week that he's attending at tuition center.

I am not sure of how is his result for this June exam as he says teacher not yet inform but have told that 4 persons passed the BC exam. For his computer test he gets 79 marks and he's very happy about it.

It's also related to money as more tuition will cost more money and also time. He says it's enough of tuition he's having as he also have homework to handle. It's important that kids get balance of life, not just focus on their education.Nobody says it is going to be easy in learning in primary school, further more we are Chinese it is better that he's able to learn Chinese before he goes to Secondary school. We also enrolled his little brother to his school for year 2018, hopefully he gets a place in the school, there will be exam for his little brother next year in June.

It started last year that children 6 yrs old need to attend for exam before get a place in the school.




Tuesday, May 31, 2016

Tuition classes to attend at School Holidays

This school holidays, my son has tuition to attend. So the time clash with events that I can attend so I decided to give up the events as son has nobody to attend.

A few events this week that I am not going as I need to fetch son. His school has other activities provided but is not free, lucky we didn't enroll him in any as it clashes his tuition time.

Even for his little brother there is music class available at kindergarten as usual it is not free. Two days classes RM120 and we too not enroll him as he needs to rest and play at home.

Why is it so much of money involve in kids schooling? I would say the area I stay is all about money!

How about you? What's your school holidays plan?


Sunday, April 17, 2016

Road accident with motorcycle

It is sad to know that my sister's apartment the tenant has involved in car accident. His company that he works as security guard not paying for his medical fee. It is alot of money spend and he needs to payment by himself. He has to go another hospital with the help of his relatives because the hospital he was waiting never bother of him :(

He has not pay rental for a month, he promised to pay end of the month. If based on his deposit, it only lasts up to 15 May 2016.

His mother does not bother about the apartment rental and says refer to him. Seems she doesn't want to get involve with it but as know he is not living alone, he lives with his family in the apartment. 

Wednesday, April 6, 2016

Busy parenting fetch son here and there

Yeah busy lifestyle is back for me so there's an event which I have interest to attend but sad to say it clashes the time that I need to get son so I cannot go ahead to rvsp for it. Son has nobody to fetch at school, he needs to go tuition and it's even harder to find one that can fetch him. Well there's only me that can do nobody can replacement me.

So if the event is on Monday/Tuesday I may able to go but other days I cannot. Well, let's just see the timing and venue I need to double and triple think about it. There are children event that I am not able to take son to take part too. He has to hurry go for tuition at 4.30pm and the event at 2.30pm at Bangsar. Wow! The tuition venue is far away from the event so I rather give up the event as I don't want to risk it.

Son's tuition place is 5km away from home. It's very far at federal highway, better not risk that I can be late to reach home or send him for tuition. Yeah I am quiet of going to events as I nobody can help me to pickup kids. Last week I was sick and not able to go for the event that interest me. Well health is also important, talking of health my sister-in-law also get jab RM140 and inclusive of medicines. Her medicine is different from mine just one, which is fever. She gets fever medicine, I didn't.

Tuesday, March 8, 2016

Earning Extra Money

Earning a bit of additional income can make a dramatic impact on your financial situation. If you are able to pay your bills with your current income, then you will be able to save your additional earnings. You can save the extra money to put toward a special vacation, new car or other indulgence. There are several ways that you can increase your income.

Offer Services
You may want to consider offering services. The amount of money that you can earn will depend on the skills that you can offer. For example, local parents may be searching for tutors for their high school students. If you do not want to work as a tutor, then you could consider baby-sitting or mowing lawns. Satisfied customers can recommend your services to their friends and families to help your business grow.

Sell Old Items
Cleaning out your closet may leave you with a profit. If you have items that you do not use or want, then consider hosting a sale. Electronics and small kitchen appliances are usually in high demand at garage sales. Search your cabinets, closets and any other storage areas for items that you can sell. You can partner with neighbors to split the cost of placing an ad in the local newspaper.

Start a Business
If you would like to work toward a steady source of additional income, then you may want to consider starting a business. There are many advantages to owning a business, and your business could grow over time. When you are debating business ideas, try to determine a business that will allow you to match your interests with the needs of your community. For example, individuals interested in fashion may want to consider opening a boutique. If your community has athletic teams, then operating food and beverage carts may be an ideal opportunity.

Extra income can help you pay off debts or realize your savings goals. Investing a bit of time into offering services or hosting a sale can pay off. Small businesses can offer unlimited potential for future earnings. Once you decide on a plan to earn extra money, stay focused on your goals. With confidence and determination, you can easily add to your income.

Saturday, December 19, 2015

2016 what's the plan?

It's been a fruitful year as I get to go Hello Kitty In Oz: The Lost Chapter. Last year I went to Krabi Island for 3 days 2 nights which I won from a contest.

I want to go Korea where it snow time, but I am afraid that nobody is going with me. So this haven't plan yet.

More time next year will be spend on my children too as my eldest son has changed tuition centre. It will a tough year for him as he's Standard 4 education can be getting tougher. Even for his little brother though next year is only 5 years old but his kindergarten is quite demanding. He's poor in writing and I am afraid that he is not able to catch up in class.

My sis apartment also having trouble to collect the rental and I did mention about this in my other blog. Seem the tenant is refusing to move out of the place with plenty of reasons. As the location is near to BRT and LRT, the apartment had build up the gates. Now the management have required the owners to pay for the touch card and the sticker for each car. 

Saturday, November 14, 2015

Wisma Genting parking

I have events in Genting Highlands today, so parking at Wisma Genting so we arrived around 9am and pay parking around 8pm. The fee is RM39 for the long hours parking.

This time no parking chop at tickets because Genting bos is not around. So just for info this is the price range to pay if you are parking whole day in Wisma Genting. 

Monday, September 7, 2015

Friend, lets talk business

Wow this is new for me that my friend nonstop telling me that there is business to talk. What is the business about? Then she says its related to her business that involve of sanitary pads. Need to go Klang to listen the talk or have fun.

Mmmmm.... no thank you. I don't have any interest on that. Then she ask why I have the time for go movie.

Well, I won movie and I have interest in movie more than that business. So I choose movie over the business. Hehe..


Sunday, March 8, 2015

Bigger car, more money to invest

Who doesn't want to have a bigger car? Do you know that bigger car will consumption for more fuel? Well we know that bigger car have more spaces of seating etc. But look at one point, having a car main attention is going from place A to place B. Car value will drop, though it will be a brand new car for you. But it's going to be second hand car when you are selling out so you know the figure won't be the same any more. Don't forget of the car loan, you have to start over to pay again?!

It's all about money after all, there is why some family having two cars in the family for more. They will use the cars to go a destination together for example heading to have family meal or visiting family. If going for vacation there is a choice of rental cars.

Anyway about car, I haven't take my car for the repair center to find out how much it would cost to repair front bumper of my car.

My dad drove second hand car for many years and he has no interest to change his old car. Furthermore it's slow but to him, as long he drives home safely, slow and steady, it's fine for him. 

Monday, January 5, 2015

Fees to pay in 2015

My eldest is standard three this year, I started him with another tuition house. The fee this month Jan started paying RM400 and RM200 for material books for whole year 2015. I haven't find transporter for him to go tuition house, so at moment I am one that sending him from school. It will cost extra RM120, the fee transport also need pay for month Nov/Dec though Dec is school holiday. So I am not sure if Dec has tuition will transporter giving him a ride to tuition too?

My youngest, he is 4yr this June. So he needs to go Kindergarten as he needs to learn. I can't teach him myself as I have tried and failed. So best let teachers to teach him. I hope he can awake early in the morning because he sleeping time is quite late. He slept with my sis-in-law while my eldest is with me. Monthly fee of RM330 but earlier have paid for registration and other fees for the kindergarten which up to RM1700. No kidding so anything no involve money in this post?

Even my dad told me that my bro twin daughters each of them their Kindergarten fee RM450.

My car weekly fuel charge would be RM30/RM40. So if there's place I need to go I need to think twice before I go. Some movie contest are far away the venue so I no take part to join the contest.



Friday, December 5, 2014

Time management

Being parent is never easy so when comes to tuition and extra activities. So Eye Level was extra activities for my son but it's going to be stop by next month because son's going to be standard 3 in primary school it's going to be tougher and harder. He's weak in some subjects in school so the time best to focus on tuition on the subjects than extra activities.

I don't want to tire him out. So let go of Eye Level is wise decision as time concern he doesn't have the time for it. Money is one of the concern too, he's little brother going to kindergarten next month.

Better let him step by step rather than all at once, which tired him. Eye Level if he has interest to continue he can do so in future. 

Saturday, November 29, 2014

Tuition centers competes each other

I am mommy of two boys, aged 3 yr and 8 yr old. So just to let you know that my eldest is gong for tuition center because he's weak in certain subjects in school.

The day I decided to rest him from the tuition center, there goes the teacher start the group chat on it. Showing off their champions, newspaper cuttings etc. Bravo to the students with As and good grades.

For your info, many tuition center aim to teach children that has good exam results. This is where they find it easy for them to polish them and having them to be a super star or champion in education.

So how about weak students? Are they going to neglect them, lack of attention towards them?

If a student is smart and good in exams results. Why does parents need to let them go for tuition?

Tuition fee is never cheap. Min RM400, max RM650 or even more...

No wonder my friend told me her child's classmate having tuition Mon to Sat. Mon, Wed, Fri another subjects, Tue, Thur and Sat, other subjects, etc.

My son's classmate told me that she has paid RM200 extra a month for tuition center to teach, but result turns out the same/worst. I didn't know that the center accept more money than they suppose to.

No matter what, time is money, if you don't act now?! Who will?

No children is born to be super star or champion.

It will be a challenge for the tuition teacher, to know if they can cope with the child. He maybe weak right now, if you know where's he's weakness/strength. You can always correct them and put them on the right track. Who doesn't like an easy job, so you find a clever kid to teach, by polishing them, there you go.. you find a champion.

Time will prove everything, whether you can do it or not. Accept life is full of challenge. 

Saturday, November 22, 2014

Whose on holiday mood?

It's school holiday now, so what's your plan on this few weeks before the school start?

Yesterday I brought my kids to see my toddler kindergarten. Yeah have decided to sign up the kindergarten which located 20min drive from my home. Near my home there are not many choices of kindergarten, though they are a few but they are lack of Mandarin. Not all kindergarten offering the mandarin subject, no kidding there was one kindergarten asking for RM4,300 a term fee saying that their kindergarten is offer just basic Mandarin class. RM4300 a term is way too much, we can't afford it too. Well, I bet there are many expensive kindergarten there and here.

Mandarin is important subject, so I know is important to find good kindergarten for my toddler. The kindergarten has opened for 18years, I didn't know of it. Should have sent my eldest there, if he studied there I bet his foundation of Mandarin will be strong.

Anyway School holiday, waiting for fun kids event for my boys to join.