I’m having one of those moments where I feel like I’m not doing enough. I’m not valued enough by society, that’s why I’m not earning 5 figures a month and 6 figures a year. I’m not pushing hard to increase my net worth. I’m not hustling enough for extra income. I’m not saving enough money.
All this stem, mind you, from just looking at my monthly budget (I track my expenses religiously) and from reading some PF websites (http://www.savespendsplurge.com, I’m looking at you). She’s probably nice, but right now in my head she’s a bitch. For rubbing in my almost 26-years-old ass only has about RM30k (~USD10k) in savings while she about 30 and has USD200k. I’ll say it again: Bitch.
(So sorry, really nothing against you, I’m just a jealous wreck right now)
The thing is, I *know* that in order to have high net worth, you must (a) spend less than you make and (b) make more.
I’m usually good at (a), but not so much at (b).
What can I do? Sometimes I’m tempted to apply for one of those demeaning-but-RM200-a-day jobs distributing flyers/free samples/man booths. I already did this when finishing my Masters. But I just… prefer to keep my weekends free. Ok fine I don’t want to do zombie jobs, okay? Sorry but in my economy it doesn’t suck so bad yet that I have to resort to this. I’m keeping my (useless) pride for the time being, alright.
I enrolled myself in trading classes, but if I’m completely honest I won’t do it until I do. It sounds confusing but really, I don’t have the motivation to look at charts by capitalist corporations. In human rights, you learn about how evil companies can really be.
I’ll give an example. Chevron plays it nice and pretty on the page, ‘helping communities’. The same company left considerable pollution in Equador. Spend USD1 billion to hire lawyers to fight the case. Used USD40 million to actually clean up the pollution. Read more here: http://www.thedirtyhand.com/
Sometimes I can’t bear thinking that if I ever profit from the big companies from stocks, trading, whatever, the money has to come from somewhere. It’s dirty money – money that was siphoned from actually paying people decent living wages, money not used to create safe working conditions, money not being used to provide mothers with maternity leaves.
The world sucks. Even my pursue to being ‘richer’ sucks. Nobody needs to be rich! They just need to have enough. They need good healthcare system so they don’t get into debt and had to choose between electric or food. We’re not taking care of each other, so that’s why everyone is selfishly doing their own thing, only taking care of themselves.
Rant over. Head clearer. I am not poor by any means. It would be great to have more money, but most days I genuinely have nothing else to acquire. I have enough.
I have enough.
Reminder: Make sure you name the beneficiary to your retirement account. If you die prematurely, at least the money will go to your loved ones quickly and easily.
This is the link to the actual form: http://www.kwsp.gov.my/portal/documents/10180/153256/KWSP4.w.e.f1Ogos2012.pdf
1) Know your prescription - are you short sighted? Long? Do you have astigmatism?
2) Go to one of these no-frills websites and select your glasses design. I’ll give you the link to Money Saving Expert on Cheap Glasses here: http://www.moneysavingexpert.com/family/cheap-glasses
3) Wait a couple of months for it to arrive.
I’ve done this 3 times with no problems at all. It’s good for people who constantly lose/accidentally breaks their glasses. It’s cheap enough for me to get 2 at the same time and keep one as backup.
Aka HOW DID I RACK UP SO MUCH MONTHLY PAYMENTS??
RM759. A month. Or 25% of my monthly take home salary. Goes to this.
I’m contemplating getting a laptop and smartphone on monthly installments, too..
Thank goodness my partner is okay with me using her laptop at home.
Thank goodness my blackberry, as sucky as it is with the constant white/black screen of death (happens at least 3 times a day) still functions, and I pay minimal for the phone/text/data plan.
WOMEN: don’t be successful - you might hurt a man’s feelings. #sexism #wtf #heteronormativetoo #whataloadofbollocks
After reading this, this is all I am going to try to do. To succeed.
And they say male privilege doesn’t exist? How about instead of telling women to stop trying to be successful and you know achieve their dreams (GOD FORBID WOMEN TRY TO BE SUCCESSFUL AND ACHIEVE THEIR DREAMS) how about teaching men and boys that women are human beings and they should stop throwing a tantrum about women succeeding.
The kind of man who will be intimidated by my success is exactly the kind of man I don’t want.
Men are such fragile little things, the slightest breeze hurts their fee-fees.
Don’t be ambitious because men might have to face the reality that the world doesn’t revolve around them or something.
Lately I’ve been stumbling across lots of articles and videos of people sharing their success stories or what they’ve learned about climbing to the top.
And all of them had one thing in common; if you want success, you’ve got to hustle and learn how to seize opportunities.
Jack Ma: People lose out in life because of these 4 reasons:
- Being myopic to opportunity
- Looking down on opportunities
- Lacking understanding
- Failing to act quickly enough
I couldn’t agree more with Ma. I looked back at the times in my life when I hesitated at the opportunities presented to me not just once but multiple times. I felt that I could’ve lived a richer life (in terms of experiences) if I had seized those opportunities.
It’s something that I’ve been working on and now I can say that my life’s a lot more colorful. I feel that I’m at a point that things are getting more interesting and I really look forward to my future adventures.
This post is more of a reminder for me to keep my momentum and don’t stop hustling because it’s worth it. :)
If you’re curious, here are some of the related videos that I stumbled upon:
A quick thought while browsing the tag #personal finance.
American companies offer to match up to x% to your retirement plan, but only to a certain percent? And usually that percentage is low?
In Malaysia employees contribute 11% of their pay to mandatory retirement fund. Employers contribute 13%.
A man in the grocery store line today approached me and said, “Sir, when I first saw you I was extremely attracted to you, but then I noticed that you are a boy. How… I mean, why do you dress so provocatively?”
I responded, “Well, in today’s world the majority of the straight male race view women as objects, or something that belongs to them. I dress provocatively because it attracts the attention of men in a sexual and OBJECTIVE way. However, when realized that I am actually male, they often become confused, disgusted, upset or all of the above. By inflicting this minor emotional damaged upon the ego of a man raised by twisted societal gender norms, maybe, just maybe the individual will think twice before viewing another woman with an objective attitude and sense of belonging. No woman, belongs to ANYONE. Male or female, the equality of human beings needs to be a priority. It is something worth dressing up for.”
I AM NOT KIDDING. The woman behind me, the female cashier, the old lady bagging groceries and the woman in front of me who was talking on the phone STOPPED, …. and proceeded to gasp and clap. The man shook my hand, told me to have a blessed day and then said, “excuse me ladies, I need to visit my daughter.”
…. I was shaking by the time I walked out of the store.
- Elliott Alexzander