It is now the third day of Raya. I apologize for the couple of days without any updates 🙂 It’s Hari Raya…

Unfortunately I will not be able to update it until the 19th of October. Simply put, I am cut off from internet for a while now, and I can only continue back at my place. So for that I am very sorry… See you on Friday ya!

This is banji logging off from cybercafe :p

Summary – Dendang Perantau

Yesterday my leave started, and I’m smiling all the way. Because I don’t have to think about work for the next 9 days or so. Not that working is no fun.. (in the case my manager read this), no seriously I enjoy my work (most of the time). But after a while, we just need to get away from it all.

I’m even happier with all this Aidilfitri celebration coming. But truthfully this is my first time not celebrating Aidilfitri with my family in Kedah. This year it will be here in Selangor. As you would probably know, my wife is now in her first trimester. And according to the doctor, she is not recommended to fly during this period.

I believe, every one will have that sad emotion when they cannot go back home for Aidilfitri right?

The funny thing about sadness, is that usually if we look closely, it is almost always comes in pairs. When there is sadness, there is happiness. Here what I found…

» Read the rest of the entry..

Summary – Ingatlah orang yang tersayang

This is one of the new advertisment on tv this Hari Raya. The message is simple – Wear your seat belt even when you’re at the backseat. (I laugh out loud watching this the first time hehe)

joke aside, the accidents during this festive season is very frightening. Nobody wants to have an accident. It just happened. Now that fact if true will be even more frightening, don’t you think? It’s like we have no control what so ever to our life.

Accidents do happen. But most of the time, accidents happened because of other factors. I generalize them all under these four factors – the driver (sleepy etc), road condition, car condition and other driver

Knowing this, we should know how to avoid accidents

» Read the rest of the entry..

Summary – Yesterday it’s big to small.. Today it’s small to big

Today I’m going to prove to you that there are always two ways or more to see at things and both of them can be correct. Yesterday, I highlighted that we should always finish the biggest task to motivate us. Apparently there is another concept I just found while reading in the internet that describe it the other way around.

That concept simply urge us to finish the smallest to motivate us. See… Exactly the opposite but still true. Let me explain this concept.

It is called snowballing and it is a widely used methods to clear debt. An example will illustrate better.One man had 4 debt to settle, house loan, car loan, credit card and study loan. According to Snowballing Concept, the man need to figure out what is the minimum amount he can pay for each loan. He will then have to figure out which loan is the lowest amount.

In this specific case, his credit card is the lowest at about RM3000, so what he should do is to pay all other loans at the minimum amount. And the remaining money is used to pay off the credit card. For example, after deducting all the minimum payment to other loans, he still have RM500 cash. That money must be used entirely to pay off his credit card. In about 6 months he will finish paying the credit card.

Then he moved to the next loan with the lowest amount, let say study loan. Previously he pay a minimum of RM200 per month, now he must snowball the payment and use the extra money from not paying credit card (RM500) and pay the study loan at RM700 / month (Snowball). This goes on until he finished all his debt.

I actually think that this make sense. To finish all debt the lowest ones first. Now compare this entry and the entry yesterday. Both of them emphasis exactly the opposite things and yet both of them is correct.

What do you think? Is this snowballing strategy practical?

————–Personal Note————-

I still have long way to go to finish my loans. And when those loans are settled, I’m very sure I will start with my house loan. So it’s really a never ending story :)One thing for sure, when we owe someone, we have to pay them. Even one cents. I’m very particular with this, because it will be very disappointing when somebody owe me money and he didn’t even bother to pay me back. He even look at me as if I’m the one who owe him money. And that is why, I stop lending people money except for family of course. Come be my family huhu