Tag Archives: new year resolution

Things to Sort before Entering Year 2023

Hi Everyone..

For the past few months, I’ve been through a turbulent changes in my life. I’m started losing control of myself, my life and my surrounding. It’s a perfect time to slowing down all of the issues and take one by one step to solve it. To get back incharge of my ownself. So, here my longterm goal to achieve before entering Year 2023. Risk to be taken on each of stages, and consequences of each steps taken.

1. Financial base

To list down all monthly budget and to open relevant accounts for a long term savings goal. To track payment on each items such as Insurance, House payment, Credit Card payment etc.

2. Personal relationship

To put on hold for any toxic relationship or anything might leads for fights. I have tired of relationship, as you need to give some extra effort for them. For now, I will just put it on hold, and will check again if it’s really required to have any relationship or not. The risk assessment for a longterm goal will need to resume after the rest of item completed.

3. Work focus on longterm goal achievement

I guess, I had found a good environment workplace, yes it was. Unfortunately, it doesn’t gimme some sort of flexibility in a long run. So, I will need to find a good workplace environment with good colleague, and at the same time gimme some flexibility hours to sort my schedule. I’m loooking for work from home kind of company, so I balance out my life.

4. Family matters

Something that I’m trying to sort now. To make more time with family, to hangout and incharge on family matters. I’m kinda slighly off for pass few months, now it’s time to get incharge with them and spending more time with them.

5. Innerpeace Activities

Recently, I just figure out the company I work now having Zumba classes twice a week, I will start with that first. Later on, I think I will try to resume either my muaythai training or belly dance. Let’s see how.

So, okay. Those 5 things i need to sort before entering year 2023. I hope I can sort it, insya Allah 🙂

Till then, to be continue…

Love, Sofia

Revising My Monthly Budget for year 2023…🥳

Hello everyone!!! It’s been awhile I’m away from blog! Haha..so, here we go. Let’s start with financial planning for year 2023..hahaahaha..yes…for 2023!! Let’s plan for future! LOL

Okay, I’d checked on whatever resource I have, google, youtube…etc. So, I found the rules 50:30:20. It’s kinda interesting to check on. So, I made some calculation and hey yaa!!! I managed to get more savings! Yay!!! Way to go…minimalist lifestyle 🥳🥳

Monthly Budget follow rules 50:30:20 …

For rules 50:30:20, this is the percentage that you need to allocate your monthly income. There are 3 categories, the 50% should be the Fixed Expenses that you will need to pay such as bills, rental, car, internet, tuition fee etc (compulsory to pay). For the 30% of your salary should go to Variable Expenses that you have options not to spend such as eating outside, movie, theme park, present, etc. The remaining 20% should go to your Future Plans such as emergency savings or any possible investment. Well, after the calculation, I had found out that my Fixed Expenses is 54% (slightly higher because I included insurance with investment under this category 😄), my Variable Expenses is 18% (I dont have much things to buy, just lil bit entertainment like movie/eating outside) and for Future plans I have 28% 😃. I think this is good enough. As a minimalist, I always conscious on what to buy so that I don’t waste my money for clutters 😃

Okay, how do I calculate all of these? Haha..im using a simple ratio calculation 😜

Let’s take example, income salary RM2000 and to follow rules 50:30:20 (%).

In this example, when you calculate all your bills (plus other compulsory to pay) and it total up for example RM 900. So, a simple ratio (900/2000) x 100 = 45%. So for those who has salary RM2000, how to calculate is to manage the Fixed Expenses below RM 1000, RM 600 for Variable Expenses and RM 400 for Future plans. 😃

Where to store your monthly receipts for Tax Relief ?

Okay, I usually save in cloud, so easier to trace it. So, Im using Google Drive most of the times. Perhaps, you can have some other storage as well like One Drive. It is not really advisable to store in phone, as Phone can easily spoil then you will need to factory reset and all will be gone.

Okay, next I’m gonna explore how to diversify the savings and investments..till then..to be continue…

Love, Sofia

Let’s pickup the dumbell, again!!!!! 😅

Hi everyone!! Hope you doing good. Today remarks 1 year since I left gym and exercises. It is just recently, I notice that I need to start pickup up back my dumbell. Yawww!!!😄

Im afraid, if I reach 40 and then been dignosed with diabetes or hypertension. No way!!! Health is treasure! I want it back. 😀Well, when I’m an auditor before, I frequently having migrain and hypertension. So, I left the job coz I don’t feel its worth it coz impacting my health. Yes, Im a health conscious its just a matter of time to exercise and time to prepare food that I’m struggling with now.

Today, I started squeeze in some time, afterwork before the night shower..to pick up my fav dumbell, switch on the utube video and do 20 minutes (no jump, no lunges, no squad exercise-my body is just not ready yet for those, lets start something simple) 😂 To be honest with you, it only last for 15 minutes. But its okay, lets have a 15 minutes consistency rather than nothing, guys!!! 😃😃😃

Well, after being ‘scam’ with the gym trainer , as a minimalist I think the best is to keep motivated and discipline. To start with, you can guy a pair of fav dumbell (as the weight u comfortable with), and yoga mat.Its not that expensive too, medicine was 😉 my fav dumbell was 4lb (~1.8kg) each. I bought a pair 4lbx2dumbell= 8lb (~3.6kg) 🥰

Switch on utube channel, then there u go. Just slot some 1 hour time in your schedule for exercise. I think the best for me is between 6-7pm. I’ll be off at 6pm, then shower at 7pm.

Guys!! Let’s go on healthy way, being healthy is lifestyle, not sometimes but all the times. Let’s start a long healthy lifestyle and maintain our health. The medicine is very expensive nowadays, we shall take care of our health!! 😇

Till then…to be continue….

Love, Sofia

Friyay morning rountine and Learn Trading….😀

Hi everyone!! Good morning, hope you have a great weekdays. Weekend is just around the corner, yeppie!!

As a minimalist..or I shall say..towards to the minimalist of living…here are Friday routine. For me, Friday is always a special day, as I assume it as my pre-weekend day..hahaha!! 😄

I woke up today around 6.15a, and straight make my bed. Took a shower and do a prayer. Then, I opened the curtain to allow some fresh air in.

I will need some storage for my blankets..sigh

I switch on my fav soft music on my laptop and speaker swiched on, then I do my laundries. And then, later I make my breakfast “Keropok lekor goreng” and my americano ice..nyummy 😋. For those who don’t know what is “Keropok lekor goreng”, okay this is our tradisional food. It was made mixture of fishes, some flour and lil salt i guess. I bought online and it was my fav snack 🥰

When eastern meet western..Americano and “Keropok Lekor” 😋

Okay, before we start works, lets blogging…so today I gotta learn how to trade guys..I’ve working for a trading company, but never trade before. It wasn’t easy at all guys. But I try to learn using a demo account. Hahaha..it keep my heart beat faster…even with demo account.

Wanna know more bout the trading stuff…stay tune…coz I need to learn the basic stuff first..hahaha….to be continue…

Love, Sofia

Happy New Year 2022 🥳🥳🥳

Hi Everyone!! Happy New Year 2022 to all of you!

This going to be my 1st post in 2022.

My resolution for this Year 2022 is to reduce buying unnecessary things, and recycle whatever that I can recycle. Keep things simple.

Im still struggling on how to minimize my stuff, especially wardrobe. Since I got lot of empty boxes, so I was thinking my 1st project in this Year 2022 is to make DIY undergarments drawer organizer.

Here below are some ideas I’ve been looking through the internet…but I’m going to create my own organizer using things that I have.

Stay tune, guys!! And stay safe!

Happy New Year 🥳🥳🥳

I’m wishing you showered with blessed for this year.

To be Continue….

Love, Sofia