The Art of Balancing My Needs and My Wants. hahahaha 😈

Helloww you all!! How are u doing? Well, I’m busy counting and balancing my needs and my wants. Hahaha. You wanna know how? Let’s check it out..

Okay, I got some golds jewelry where I kept in the bank. So, from the total amout of the gold, bank will give me 80% cash. To be honest with you, if you don’t have any necessity, don’t put your gold jewelry in the bank, coz you need to pay some “upah” to keep the jewelry. The definition of “upah” is similar like interest, but very low in amount. Well, I don’t see any difference between upah and interest. 🤷‍♀️

So, it happens again, my credit card piled up reach to its limit. So now, I’m struggling to settle of any interest related to bank. For houses, can’t do anything about it as OPR has increased tremendously for past years. I was thinking to let go one of my house, but when I saw the view is spectacular, I think I will just rent it out first. 😃

Okay, back to my story. So, I was thinking, for the next salary I’m gonna take all my jewelry in the banks, and I’m gonna buy my target bangle. The rest, I’m gonna sell it and pay off the debt. Coz, I need to spend some money for the house, to make over and rent it out again. As I told you from previous post, the tenant has move out from my house and went back to their hometown in Kedah.

Well, I think this is the best way, to reduce the bank’s interest, to get my aim bangle and as well to pay off some debts. To be honest, I think buying property is really troublesome 😂. I need to take out some money from my own pocket for repair and make over it. I next rental fee, I will need to keep some extra, so I won’t spend from my own pocket anymore.

I think that is all for now, to be continued

Love, Sofia