Selamat Hari Raya Aidilfitri

10 Ways To Trim Cost @ The Home Front

First came the infamous 40% petrol hike. Then came the hike in our utility bills & staple food stuffs. In view of challenging times ahead, let’s look at 10 creative ways to reduce our household bills:

	Clue #1: Save on Electric Bills – Use electrical appliances wisely. Turn off the power of your appliances if you're not using it & unplug whatever that is not in use as this helps to save money.
	Clue #2: Buy in Bulk – Survey prices of goods before you buy them. List them down neatly in a table format; compare prices of goods to sniff out those who offer the best price in town & purchase specific items from the chosen location. Plan your grocery shopping well so that you don't have to waste precious fuel to run back to the same store twice just because you'd forgotten an item or two.

Understand The Importance of Savings

Life has evolved into a constant battle of survival. So, how do we strike a balance between work and life but yet have the means to face tomorrow?

Saving up way ahead for that survival will help to determine how well we cope with the surge of challenges that may come our way. We’d never know what will happen tomorrow, so it’s really important that we plan ahead and get ourselves prepared the best we can to weather the “unexpected” in life.

Here are some tips on what you can do to help you gear up for what lies ahead:

	Back to Basics – Plan how much you need to save each month, Calculate how much you’ll need to retire, Action: execute your plans & Reassess progress of your plan along with your financial goals every year.
	Employer Provident Fund (EPF) – It would be good if you can get your hands on your latest EPF statement. This can be a very useful tool when assisting you in your financial planning; especially in setting your financial goals and form a great platform for your annual evaluation.

Budgeting Basics

The good news is: budgeting is no rocket science. Here are 6 quickie tips to help you budget and plan your way to financial freedom: 

	Track Your Expenses – Keep a detailed recording of everything you spent on. By the end of the month, total up the various categories of spending. You’ll be amazed how much you actually spent on the unnecessary items.
	Overestimate Expenses – Always overestimate rather than underestimate so that you don’t get caught off guard. This is especially true when budgeting for planned expenses.

Back To Basics - Platform For A Sound Financial Planning

Most of us find financial planning daunting and often too complicated to do. But the truth is, it’s logically simple to construct. All you need is some simple tips and not forgetting: start young and start it right!

To help you get started on building the foundation, here are some simple questions for you to ponder:

Sabah Trip

Few of our pictures during Honeymoon Trip in Sabah :-)

Hello World

It has been such a long time i haven't blog.