Debt Update

Time to sit down and update my mega debts.

1. Bank Loan RM 98016.00
2. Credit Cards RM 2168.42
3. Family Loan RM 2000.00

Total Debt : RM 94984.42

Thanks God I'm still alive.

The Automatic Millionaire

What this... Actually I started this blog to track my debt. I try to budget my money but somehow when I got my salary,I just spend,spend and spend. Blame it to my eyes and heart ... I love and heart all the pretty things. ( Confession of the shopaholic - still haven't seen this DVD but surely i must be her cousin :)

A few months ago I read this book ' The Automatic Millionaire' by David Bach. The main points is make everything automatic. If I want to save 10% from my salary I have to automatic cut it from my salary.Like transfer it to ASB or Unit Trust via online or instruct the bank to cut it from my salary before I spend it. I wont miss the things I didn't see. I think the concept will work for me.

I will do it step by step, slowly and steady .. I all ready have the bank automatically cut RM 100.00 every month for Unit Trust and I didn't miss the money. I plan to do maybank2u ASB transfer soon and pay my bills via online too. Will post about that later when everything in order...Now I am too lazy to update my mega debt bar. Its make a good excuse to spend, shopping,bidding,trying my favourite recipe and pamper my baby :) .

*planning to buy DVD ' confession of the shopaholic' soon *

*watching transformer*

*waiting for the latest movie 'Ice Age'*

******** so much to do *************

My Baby First Week To Nursery / Day Care

Start this week I send my baby to Nursery because my mother not feeling well to look after my baby.

Every morning around 7.30 am my husband or me will send the baby to nursery and I will pick up around 5.00 pm. Luckily the nursery just a few block from my house.

I am a little worried to left my 10 months baby there but I have no choice. Monthly fees is RM 350.00. So far I think my baby like there because she likes to be with other kids.

Here is a picture of her in her first day there. Looking at her mummy. I am fine mum Hope so. Love u my little baby.