Women and Money...

I love to read motivation books and today I just get my new books from my friends. " Smart Women Finish Rich " by David Bach. The book is talking about how can woman achieve financial security and funding the dream. I read a few pages and it's very interesting for women to know their dream.

I have a dream to be a millionaire but I know it's going to take a long journey and must scarified a lot of things. One thing for sure is TIME! Every rich people only have 4 to 5 hours to sleep at night. I always saying this to my husband and my sister. If you want to create more money you must work hard. For me money is not everything but....without money we are in trouble!

I want to live in a better lifestyle and to give somethings that I was miss in the past of my life to my kids.

Avoid Debt!

I believe everybody can't run away from debt! I'm very worried if my credit card goes up to Rm800. Normally I'll not use it unless very urgent or I purchase an expensive items such as sofa, aircond etc...

Here I would like to share ideas how to stay debt-free or reduce debt:

• Do not bring your credit card when you go out.
• Don't buy if you not afford it.
• Pay off existing debt: study loan
• Cut your expenses or reduce unnecessary expenses.
• Do a check list before go shopping

For me do a check list before go shopping is really effective. I know what I want to buy and never over spend on it. I also can save my time and will not spend time to long in the shopping complex.

How Smart To Spend Money From Your Income

Before I'm married I feel my financial are quit ok means I still have balance and enjoy my life. May be because I'm staying with my sister. I just gave her RM100 per month to pay telephone bill. However after I'm married I'll need to plan it nicely.

When I'm was single I'm never wait end of the month whereby salary credited to my bank account. This is very different when I'm married and have kids. I will be happy when come to month end especially on 25th. Every time salary has been credited to my bank account, first day or second day I'll withdraw money and started to pay a debt such as: credit card payment, housing loan, car loan, children education fees, hp bill, etc....

After make a payment to this such things the balance will be using for day to day until next salary.

I'm very proud because I never over spend and borrow money from anyone eventhough from my husband. My kids need will be fullfill and make sure they are happy. Once a month I'll bring them to KFC or Pizza Hurt.

But now I'm very happy because I'm not depend on my salary but on my own income. Beside my blog I also involved in MLM biz.