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 Personal financial management, V2

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SUSPink Spider
post Apr 1 2013, 11:26 PM

Formerly known as Prince_Hamsap
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For me, no OldTown no Papa Rich. I eat at kopi shop, if yamcha also at kopi shop.

Broadband...Streamyx RM110 only, no need UNIFI.
Using smartphone but less than RM1K, use til rosak only will change.
Data+Voice only RM50 a month.
Got Astro at home, that's an affordable luxury for me. Sit home watch TV better than go out for movies or hang out at malls, spend even more money.
Car...fully paid off Myvi 1.3. A necessity since my office area's public transportation is virtually non-existent.

I know my wants and my needs, I believe I am already doing my best without overly straining myself. smile.gif
SUSPink Spider
post Apr 2 2013, 08:48 AM

Formerly known as Prince_Hamsap
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QUOTE(felixmask @ Apr 2 2013, 08:40 AM)
Morning Pink Spider,

  I used office internet. 14 hr * 6day = im at office.
  Yes i dont hv broadband and i dont own a laptop. I only hv a pentium 4 bought 2004 still tip top condition.
*
u work in retail hmm.gif
SUSPink Spider
post Apr 3 2013, 09:49 AM

Formerly known as Prince_Hamsap
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felixmask I curious, u so kedekut oops I mean thrifty, how u pikat your wife? hmm.gif
SUSPink Spider
post Apr 3 2013, 10:43 AM

Formerly known as Prince_Hamsap
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QUOTE(felixmask @ Apr 3 2013, 10:37 AM)
Im not kedukut, i chase with my wife with a penny in my pocket only and my love is unlimited.

"When got money and time, i can chase a gal, when i dont hv anything the gal can dumb/ignore me."

When i dating my wife, i told my wife the money i cant spend to her on fancy holiday or gift becoz i need to save and marry her.

I been thru heartbreak, and learn from my mistake. I dont need money and time to buy my wife heart.
I tell honest to my wife im not rich man, my father pass away ,i dont inherit any house from my parent, i bread and butter for my family.
I work hard in my jobs. I dont smoke.I dont go clubbing, I dont fancy car, i dont spend money unnecessary for me and my wife.
The reason she like me becoz im simple and poor man.

I dont need to use money but used my heart with honesty, humble and love to tame a wild horse.

Having a gf like a male jokey riding on a wild female horse with bag of money and time.
The wild horse will jump and shake me out ,  im using my time and my money bag to balance on the wild horse.
Once i lost my money bag and time bag , i will fall down and the wild horse will find another jokey to ride on.

Zoo Keeper taming a Female Lion
When ever the lion roar, the zoo keeper will feed the female Lion with meat day by day.
Once the Zoo Keeper dont have anymore meat; the female Lion will eat the Zoo Keeper heart and run away.
*
u are a lucky man smile.gif
SUSPink Spider
post Apr 3 2013, 10:52 AM

Formerly known as Prince_Hamsap
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QUOTE(felixmask @ Apr 3 2013, 10:48 AM)
thanks, i work hard. My parent are poor, i have no choise to study hard and work hard.

After i study i join Tiger Bank, then i jump to AIG, then retrench join Holland Lion Insurance then now go back to Crown Jewel of Asia Insurance.
*
I mean, MOST IF NOT ALL girls nowadays...if u don't bring them eat sushi, drink Chatime, potong steak, forget it
SUSPink Spider
post Apr 3 2013, 11:05 AM

Formerly known as Prince_Hamsap
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QUOTE(felixmask @ Apr 3 2013, 10:58 AM)
Dont find such gal, let other male chase them.

Chasing a gal like jokey riding a wild horse with bag of Money and Time.
Using money and time to balance for the gals. Once lost both money and time, the wild horse will kick jokey on her ride.
Very soon another jokey will ride on her back.
*
Yes. Been thru that (and luckily I am quite good in detecting the signs, the moment I sense that the girl is the materialistic type, I'd walk away before I spend much on her), and so I'm foreveralone™ until the right one appears tongue.gif

Ok la, don't derail topic ler smile.gif
SUSPink Spider
post Apr 3 2013, 02:13 PM

Formerly known as Prince_Hamsap
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QUOTE(GymBoi @ Apr 3 2013, 02:01 PM)
May I know how old are you now? This kind of girl totally extinct from this planet already .. well at least from KL ... nowadays no money no honey ... or the famous ada wang baru ada amoi .. where is your wife from and how old are u guys now ?
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Yea, at the very least during the courting process, mesti kena spend A BIT ma...takkan when wanna court her, bring her go mamak, go kopitiam? hmm.gif

Eh, when I chase my ex I also bring her go mamak and kopitiam only tongue.gif
But that was 7 years ago...youths esp girls nowadays are getting more and more $$$ conscious, even some of my guy friends I ask them meet me at kopitiam they also shakehead.gif
SUSPink Spider
post Apr 3 2013, 02:30 PM

Formerly known as Prince_Hamsap
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QUOTE(felixmask @ Apr 3 2013, 02:27 PM)
For personal fianancial - honest to gal is very helpful - for gal understand your background.  Courting/Chasing with gal high expectation - meanz need alot capital and time. the result can be you wife then must think about future for maintaining such wife.

Remember marry a women ; also need to marry their family too. " Wedding Dairy " actor ah niu.

Like  WongMunKeong said - marry a right person can be helpful.
Even i go holiday; my wife & 1 share 50:50.
*
thumbup.gif
SUSPink Spider
post Apr 3 2013, 04:35 PM

Formerly known as Prince_Hamsap
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QUOTE(GymBoi @ Apr 3 2013, 04:29 PM)
your wife from where ? and your race ? Sry not to be racist but ... chinese KL girls ... really hard to find can juz mamak and handmade cards and stuff ... btw im chinese too ok .. no racist .. just the world as it is today ... any racist remark i will delete this straight away
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I am chinese and I am racist and I agree with your post nod.gif
SUSPink Spider
post Apr 3 2013, 05:34 PM

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QUOTE(felixmask @ Apr 3 2013, 05:33 PM)
she is KL gal.  tongue.gif
*
u have many butthurt ppl here...
SUSPink Spider
post Apr 3 2013, 05:40 PM

Formerly known as Prince_Hamsap
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QUOTE(wongmunkeong @ Apr 3 2013, 05:35 PM)
happy & capable woman  + no man = still a happy & capable woman that can help herself & contribute to world mar thumbup.gif
*
I'd die than to have such woman as my superior/boss sweat.gif

Cos when the time of the month comes...she'd insert an "un" in front of happy... whistling.gif

And as always, it's the question of WANTS vs NEEDS icon_rolleyes.gif

This post has been edited by Pink Spider: Apr 3 2013, 05:40 PM
SUSPink Spider
post Apr 3 2013, 05:46 PM

Formerly known as Prince_Hamsap
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QUOTE(GymBoi @ Apr 3 2013, 05:43 PM)
no money how to buy puppy .... ok adopt .. how to feed puppy ... no money how ur kid grow ? how to be smarter and stronger ? tongue.gif

2nd bold is exactly the situation
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I have seen a few cases like this...

Wife = OL (looks to be quite successful/high-ranking)
Hubby = car workshop technician

But they happily eat at kopitiam together, he drive cheap car like Proton Wira fetch her back from work

If he is diligent, fully works to his potential, then he is a good man. u expect a SPM dropout to be a lawyer/accountant? if he works diligently, takes care of his wife, did not gamble/drink his $$$ away, that is already a good hubby material IMHO.

This post has been edited by Pink Spider: Apr 3 2013, 05:47 PM
SUSPink Spider
post Apr 4 2013, 01:49 PM

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In this Facebook/Instagram era, ppl especially women demand more from men in $$$.

They see their friend, BF/hubby bring them go overseas vacation, buy them expensive dinner/gifts, then they also kiasu, want their partner to do the same. Look around you, hear the women's conversation, its becoming the norm nowadays. This is the age of consumerism, spend spend spend, make yourself look good is of utmost importance.

But seriously, to put it in a crude manner, u eat sushi or u eat char kueh teow at kopitiam, at the end of the day u pangsai also the same sh*t comes out. WHY PAY MORE? laugh.gif

Work so hard but at the end of the day the $$$ goes down the drain (your sh*t flows to IWK sewerage pipes, right? tongue.gif ). Some may say, "enjoy life ma...", but I personally find that hawker food is more satisfying to me than a meal that costs hundred over at a high class restaurant, and my Bata/Power shoes feel not much different compared to the more expensive Nike shoes. biggrin.gif

This post has been edited by Pink Spider: Apr 4 2013, 01:49 PM
SUSPink Spider
post Apr 4 2013, 03:03 PM

Formerly known as Prince_Hamsap
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QUOTE(Kaka23 @ Apr 4 2013, 02:53 PM)
wow.. this is starting to be a relationship, looking for future wife or gf thread.. hehe
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QUOTE(wongmunkeong @ Apr 4 2013, 02:58 PM)
a great or screwed-up life partner can greatly enhance or nuke one's personal finance leh
One of the few MAJOR impacts on personal finance tongue.gif
*
Agree with wong seafood. The (mis)behaviour of your loved ones can affect your personal finances greatly. Like my case, I cannot control nor educate my dad much, I can only give him a word or two about budget but at the end of the day, the bills are still mine to pay. doh.gif

But the choice of partner is fully within your control. nod.gif
SUSPink Spider
post Apr 4 2013, 03:50 PM

Formerly known as Prince_Hamsap
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QUOTE(jasontoh @ Apr 4 2013, 03:46 PM)
I think focusing on career is important, but at the same time, don't neglect relationship. This is the key learning I have. I consider myself "not that bad", in terms of financial, education and even career. However, I find that because I focused on career during my last 10 years, ended up, girls my age either taken or already become mother of others. My take is, if there is a girl out there you like, go ahead. Of course not to the extend of spending all your savings, if she is really gold digger, I don't think the relationship will last too. Anyway, I'm just saying, career + $$$ is important, but don't put it as priority as you might end up like me. biggrin.gif
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*gimme five* icon_rolleyes.gif
SUSPink Spider
post Apr 4 2013, 04:19 PM

Formerly known as Prince_Hamsap
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QUOTE(felixmask @ Apr 4 2013, 04:18 PM)
Why worry cant find gal? younger one is HOT and SeXY when we are old.
*
I asked Jason to gimme five bcos I'm similar to his situation, not that I worry biggrin.gif
SUSPink Spider
post Apr 4 2013, 10:52 PM

Formerly known as Prince_Hamsap
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AAAABBBB, mind to tell what race u are off?

Seriously, if u are chinese and live/work at city or even big town, u are hopeless, cos u are even more kedekut than I laugh.gif
SUSPink Spider
post Apr 4 2013, 11:39 PM

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QUOTE(pinksapphire @ Apr 4 2013, 11:07 PM)
People feel lonely, and eventually, any next women/men that comes along...you settle down. Is it the best thing to do? God knows.
*
thumbup.gif

Relationship is not much different to investing, a stock may be solid fundamentally but boring, defensive stock. U want some excitement, fast growth potential of speculative stocks. End up u burnt your hands, and cut loss. By that time, the defensive stock is already trading at expensive valuation. At the end, you'd just settle for 2nd best, or even the least worst, cos u don't wanna park all your money in bank account. laugh.gif
SUSPink Spider
post Apr 5 2013, 01:50 PM

Formerly known as Prince_Hamsap
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QUOTE(SKY 1809 @ Apr 5 2013, 01:49 PM)
Well , do not always think ladies in KL  are  totally useless and suckers in nature.

They could be more capable in financial terms that u.

They could be better financial planners too.
*
And thus more demanding...
SUSPink Spider
post Apr 5 2013, 02:03 PM

Formerly known as Prince_Hamsap
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QUOTE(SKY 1809 @ Apr 5 2013, 01:53 PM)
Well, u have to perform up to the expectations lor.

Tell me where to get a 10K job in KL , and do not to work so hard one. hmm.gif
*
Which brings to the question, "why bow to peer pressure/society norms?"

At the end of the day, a deal can only be done when the seller agrees terms with the buyer, and vice versa. If a stock trading at $10 got no buyers, the seller will be forced to drop his asking price. But when one of the buyer bucks under pressure and decided to meet the seller's price, it'll become a seller's market.

When enough men stay away from such demanding women, they will start to reassess their values and perception of "eligible men".



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