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 Personal financial management, V2

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pinksapphire
post Apr 4 2013, 11:07 PM

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QUOTE(AAAABBBB @ Apr 4 2013, 10:34 PM)
icon_question.gif Adoi after reading u guys comment make me feel scared too.. I put $$$ is important all this while, and neglect in relationship..

I think I have few C already - condo, cash, career, car just no credit card.

career coz promoted recently from tech to engineer

condo settle liao

car settle liao

cash - RM200K

rclxub.gif Maybe I need to change my plan a bit - AFISH now may not work that well already...coz I 33 yrs old liao..

Anyone got good plan to share? Plan for relationship but not to skew too far from financial management too far ok..

Show me one plan for relationship that work, or got calculation one...don;t ask me google too much smile.gif  cool2.gif
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There can never be a relationship plan that will work. Why? Because life's never fair.
You see the good ones falling for idiots who don't love them equally as much. And yet, the other half still stay on for as long as they could.
If you're lucky, you get one that doesn't measure you by the money you have, spend wisely and treats you well. But usually, those are rare and the rare ones are stuck with guys who don't appreciate them.
If you're unlucky, you get a girl who appears to love you, but only for your money unknowingly. Then you have those men who know girls are with them for their money and yet, they encourage it and flaunt it...so what do you have to say about that.

You put money as the topmost importance...that's not wrong to me. Relationship sometimes can kill you, both emotionally and monetary-wise. I understand why some people focus on money more. It won't hurt them.

I know you're stable financially, and that's great. I hope you're able to find a girl who won't be leeching off you, because that's just sad seeing how your hard earned money being wasted like that. For me, best policy is just to not rush into any relationship until you feel that the other half is a genuine person (good luck!). If she shops too much, has no financial control, just stay away no matter how pretty she is. She has no sense of responsibilities and control when it comes to money, so that says a lot already. You don't wanna end up a 'water fish', right?

People feel lonely, and eventually, any next women/men that comes along...you settle down. Is it the best thing to do? God knows.
pinksapphire
post Apr 5 2013, 12:01 AM

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QUOTE(AAAABBBB @ Apr 4 2013, 11:42 PM)
Wow if like tat need go ulu -ulu place fish liao...

I don;t mind she shop a lot, shop much no problem as long as window shopping. Like me I only withdraw RM200 from ATM for a week, most time I just walk around window shopping at mall coz can enjoy air con and fun too coz can observe how ppl do business like sales, promotion discount, decoration, etc or what I like to call as market research/survey rather than sitting at home. Coz sitting at home bored, some more need to switch on the fan use electricity ma...HEhehe....

Not so easy become water fish one...Hehehe...U see my strategy money not in my hand at my parents fd coz can get higher % interest thus not that easy to korek $ from me too..

On my end is I don;t mind taking interest and enjoy a bit in relationship...Financial still need to control one...

that is why if got a plan for relationship should be a better guidance. Maybe it is time for me to go back hometown go drink coffee at those kopitiam again to seek advise if cannot get a plan that seems doable in this forum.. hmm.gif
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Haha, of course I didn't mean window shopping! That one is not harmful, lol... I'm always surprised there are so many girls out there who will just buy, buy, buy beyond their means. Not enough, swipe cards or borrow money. And all for superficial stuffs - bags, clothes, shoes, make-ups, whatever. My point is very simple. You have ALOT of money, you spend until the whole ladang-full of stuffs also nevermind. You don't have money, then don't!
That's why if you get a girl who shops like that ah...then itu sendiri cari troubles. But you'd be surprised how many guys out there who are slaves to girlfriends like that. Cannot afford, yet still will overdraft everything for the girls doh.gif

...and I don't think you're that type. So you should be safe, lol. Sorry if I sounded a bit negative...it's just that I don't want you guys to fall into that trap.
Losing money is one thing...having your feelings hurt over love, that's the worst thing ever sad.gif
pinksapphire
post Apr 5 2013, 12:03 AM

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QUOTE(Pink Spider @ Apr 4 2013, 11:39 PM)
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
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Thanks for putting it into this perspective...at least it keeps this thread as 'personal financial management' still, haha...
I do see personal relationship being related to personal financial management though. It plays a BIG part, in fact rolleyes.gif
pinksapphire
post May 2 2013, 12:34 AM

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Hi guys. Does anyone have any recommendation on how to go about with tracking personal finances (expenses, incomes, etc.)?
For eg., keep track of your investments and its profit/loss, incomes from savings such as FDs, and your misc. expenses.
I'm looking more at a software or excel spreadsheet.
Also, what's your experience for those currently already practising keeping tabs on your portfolios?

Thanks.

pinksapphire
post May 2 2013, 05:51 PM

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QUOTE(felixmask @ May 2 2013, 08:28 AM)
personal finances tracking in excel - i personally keep track for 1-3 month then giveup keying. http://www.spreadsheet123.com/ExcelTemplat...-statement.html
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Yeah, I think it's easy to give up tracking after a while too =/

QUOTE(jasontoh @ May 2 2013, 10:20 AM)
I'm using Excel sheet to keep do from budgeting to keeping track of my expenses as well as keeping track of investments portfolio.
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QUOTE(SKY 1809 @ May 2 2013, 05:04 PM)
There are many Andriod softwares free if u have tablets or phones , later u may see some  Andriod Notebooks  in the markets.

Windows based , can use Excel or else the software may cost some money to buy , and yet may not 100% what u wanted.
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I've been looking at spreadsheets too...still trying to look for a decent, not overly complicated one that will make things easier to track.

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