How are you? Hope everyone is in good health and conditions.
Since 2018, I’ve started my journey as minimalist. Now, at the end of 2025, I’m heading to back to a basic lifestyle, reducing expenses and living an optimum lifestyle.
I try to make something useful from every container, box, bottle and reuse it for other purposes. One of it was eggs container which I feel is very useful and filled my needs.
Living in a small home in town, had opened my eyes to cut some expenses, and I started from my groceries.
Making a seedling pot from eggs container 🪴
1. Cut into 2 for the normal eggs container and put the cover under the eggs container as per in the photo.2. Make a little hole on each of the bottom for the eggs container as per in the photo above. You can cut a little bit with a scissor/blade and use pencil/chopstick to make a small round hole.3. Put 2/3 of mixed soil into the container like this and put each of the containers with seeds, onions, and ginger (whatever you want). I’m using chilli, tomato, ginger, and garlic as these are normally I use for cooking.4. Then, cover the rest of the container with the same mixed soil and water it.5. This photo is after 5 days I’m watering it. As for now, I can see garlic and tomato started sprouting from the seeds. Can’t wait to see the rest soon 🥰❤️
If you have a landed property, it will be awesome for this activity. Please pray for me to have landed property soon, so I can make more diy project to recycle things I have at my home. 😇
It has a variety of meanings for many people. But for me, money is just a tool to satisfy our needs and wants. My retirement goal is to stay away as far as I can from something that required money. You need to ask yourself, what money can satisfy your needs and wants? To me, my need is food. I don’t buy much clothes. I don’t buy much shoes, or bags. It’s foods, water bill, electricity bills, internet bills and a house I can call a home.
I want to retire earlier than compulsory age. I want to have a living where I don’t need to worry about bills, mortgages, and foods. my focus for retirement is to go back to basic life and needs. I want to be away from massive traffic jammed. I want to be away from toxic circle friends and families. I just want to be alive and enjoying each my day n seconds, glorifying life surrounding me. I had enough of this fake world and getting back to real purpose or living.
I set my target, to retire in the next 10 years, insya Allah.
I think it’s not too late yet to wish ALL of you, A Happy New Year!!!!
This year is a huge year for me as I’d accomplished most of the things that I want in my life. Wee!! 🥳
It’s been 7 years since I was becoming a minimalist. Below are things I had achieved throughout my journey 🥰
Things I’ve achieved by being a minimalist for 7 years:
More space for my home: I have sold and donated a lot of my things such as dresses, aquariums, exercise tools, etc. I just recently shifted to my a new home which already has a gym downstairs. So I won’t need boxing glove, boxing wraps, boxing knee pads, barbell etc.
More savings for mental happiness: When I stop buying clutters, I have some enough money to go to spas, hotels, and resorts. Recently there are a lot of websites which you ca have a cheaper price for entrance, hotel rooms, theme parks. Mental health is as important as physical health too. By being a minimalist, I’m morefocusedg on balancing both my physical and mental health.
Career goal achieved: This is not easy things to have, but I combined with my faith that to achieve a good environment, good colleagues and bosses and achieving my desire salary. I’m successfully balancing both desire salary with good environment by end of 2024. Alhamdulillah, praise to God. 🤲
More savings for other property: Well, I have 2 properties now. One of it I rent it out, and another one I’m staying with right now. initially, I didn’t plan to have 2 properties. Luckily, support by our government before, in the year 2021, I managed to get another one property. I was thinking this as backup retirement plan when the retirement money finished, so I have property to rent it out. It’s not easy if you need to repair on structure such leaking pipe, leaking bathroom etc. I’m trying to get rid of one property, but unfortunately, I’m still not success. So, I just rent it and be my backup plan. It’s not urgent to sell too, so I just keep the 1st property as a backup plan.
More savings for additional retirement plan : Yes, I’m buying another insurance just cover the remaining years, coz for the 1st propert, my loan was for 35 years, however the insurance only cover for 30 years. The second property loan was 35 years, and insurance just cover for 20 years. There is a huge gap and I just buy 1 insurance to cover the missed gap 😃. Other than this, I’m having another insurance which is the maturity age of 70 years old. I still thinking the best way for retirement plan other than the KWSP funds. I don’t think KWSP is enough for a retirement plan due to high raise inflation.
Focusing on retirement plan: Other than mandatory fund KWSP, I wanna diverse more funds for retirement savings. I have seen, most retirees will go broke after 10 years of retirement. The savings need to beat the high inflation to these days’ economy.
In term of financial, currently, I’m still recovering from renovation my house and insya Allah in the next 1 or 1.5 years,I will recover my finances fully and have a positive cashflow with cash in my hands.
I will share in the next post regarding how I manage my home renovation without being broke. hahaha!! It might be helpful for those in the mid of renovation your houses. Took me several months to plan out my renovation and being a main contractor to my own house.
When talking about minimalism, it’s not only about your space. It’s about lifestyle, including your space, your financial goals, your relationship. It’s about how you let go of those unnecessary and keep the mandatory that always be your goal. It’s about setting up your life goals. Minimalist have various definitions towards each of people, but for me it’s lifestyle and life goals.
I’ve started being a minimalist since 2018, to be honest the most hardly to do is to minimalist my wardrobe and cables. I’ve decluttered my space, decluttered my relationship, decluttered my circle friendship, minimizing my expenses and maximizing investment and saving. I really enjoyed the journey.
Today, I’m about to minimize my “bad debt” and transferring it to a good debt. The only “bad debt” I have now is my credit card which I’m fighting for quite so long. Today, I’m about to refinance my 1st home, and clearing all my credit card and have some cash in hand for me to build my positive cashflow – Debit Card.
Waiting in a line, my turn!! 😃
There is a lot of impact and consequences I’ve checked and put into consideration, like how much difference I need to bare, and what about insurance, how many years the new insurance will cover, is it enough until I’m at least by the age of 60/70? I’m not dare to take fewer years of insurance, so the original insurance was to cover 35 years, I’m checking for 30 years for the new insurance. Oh, by the way, the most important thing is the property has tenants and the cost can cover my whole bank now plus some little extra. By calculating everything, I saved monthly RM 1.2k!! Wee!!! Plus, my credit card settled and I have some cash in hand. So, I’m now need to think carefully what I shall do with the little money I have in hand.
Next, my target is to manage a debit card for replacing a credit card. Yay!! I was so happy as I’ve found the solution to declutter bad debt. After I’m done building positive cashf. Next, xt I’m gonna think a way on how to set goal for my retirement day!! Hey!! It’s not too earl to think about when you are nearly , okay? Nay or Yay!! 😃
Alhamdulillah, we had passed throughout all the rough years.
In 2023, none of my goals had achieved, my wish for 2024 is to achieve at least 5 of my previous goals 😃😃
I still remember the day when I went through this, and Alhamdulillah, all my prayers were answered. 🤲
My New Resolutions:
Since my previous year had “successfully” failed to fulfill the goals, this year I listed fewer goals and hope can achieve it. insya Allah.
I started my 2024 goals by aiming max 5 points for this year 😃:
1. Having A Healthy Lifestyle
It’s been very busy years back in 2022 and 2023. This year, I wanna be healthier in terms of physical and mental health. I’m trying to prioritize my own health, the most crucial and important thing is to do. I’d signed up for a gym membership and about to start on 15 January.
My wish is to be committed to going to the gym and control on food intake. Let’s hope this to be happened and keep it consistent throughout this year.
2. Pick Up My Golds from Bank
Last year, I’ve spending some money to buy gold jewelry and put it in the bank. This year, I’m gonna stop buying and just take my jewelry from the bank. Our gov had raised tax % by 2% and gonna implement taxes on gold jewelry. Thus, I bought most in last year, and this year, I will be more focused on taking back all the jewelries. I wanna thank this for my fiancé, as he is the only person who supports me to buy and collect gold after my trauma from my previous relationship. 🥰
3. Take BA Foundation cert
This cert has been pending quite a long period. I wanna pursue this for this year and take the exam. I always feel nervous about taking an exam. I hope I will find strength to take the exam and pass with flying colors. insya Allah ❤️
4. Cut Off more Debt
This year, I wanna cut off credit card debt. It’s been years paying for credit cards, and I hope I can zerorise the credit card.
5. Declutters Wardrobe
I already started this yesterday and am feeling kinda happy with the outcomes. I think I might need another 1 round of cleanup, and then I will be good about it. I love empty spaces, and it makes me feel relaxed 😃
Hey, what’s up everyone? Hope you are all well and in a peace of mind. Insya Allah ❤
It’s been frequently hit my mind lately to plan out my retirement plan. Well, it’s almost 20 years from now, and I think I need to start think about it.
As I walked daily to office, I had noticed that actually I’m forcing myself to go to the office. I was thinking, when my service is no longer required, am I gonna just sit at home, or shall I do something to earn?
Let’s say, from 55-80 years. Most of people are waiting for their employee fund or some pension. Well, I’ve been surrounded with elderly people who even had 1m of saving, however due to poor money management,, the guy need to live as poverty now coz the money is gone on all unnecessary things.
We really don’t know until when we gonna live. If you still alive until 90 yo, how will you manage your expenses during those days? What kind of expenses required? Are you gonna depend on your kids or will you do something to earn?
I think the major issue will be health and food, when we getting older. Food interm of food supplement and medicine. Most of famous diseases among Malaysian are high blood, diabetic melitus, cancer, heart attack and stroke. and another 1 more I was thinking was to make any will. Do I need to make a will, I’m still thinking on that as I had couple of property and funds to take care.
The other thing that trigger my mind. If we die, how about our social media. How do we deactivate all our social media accounts. I guess at least I need to list down how many are there? I need to set everything as preparation for the next life.
Well, I guess for me I will plan out to earn myself by the age of 50. Insya Allah.
Hey hey heyy, hey everyone!! How are ya? Hope you are all good.
Just wanna share some idea on what I’d done to my 1st home. Just a lil bit touch up before its ready to view for the next tenant.
So basically, what only left is:
1. To receive another curtain as current curtain is actually shorts after the folding. LOL. So I bought another 2 blackout curtain for my living room.
2. To receive my TV, I bought a smart TV for the house.
3. To hang the kitchen curtain. I already have it, just that I forgot to bring plier and scissor for cutting and adjusting the wire.
4. To hang bathroom mirror and bathroom rack. I need to bring along the strong double sided tape, I guess I just use double sided tape for the rack. 😃
5. To dismantle and install the water heater. I already bought 2units, just need plumber to install. I already book plumber to do such things 😀
So, check these out the differences before I took over and after I took over the house 😃🥰😃
This was before, when im viewing the house before my tenant move out.This was after I clean the house and make lil changes.This will be the final, only the Smart TV left to put on the TV cabinet.
Check out the kitchen…
This was before when I viewing the house when my tenant still living in.After my tenant move out and I clean up the kitchen.This was after I do a total cleanup and buy some carpet for kitchen.
Now, let’s see the dining area…🥰
This was before the tenant move out, when the tenant still living in the house.This was after the clean up,, I rearranged n buy some stuff for the dining area.
Let’s check out rooms, the house has 3rooms and 2bathrooms.
The masterbedroom during the tenancy.The master bedroom after clean up, painted furniture and bought mattress cover & curtains .This was the middle room, where the tenant make it as store. A lot of clean up done for this room. This was the current view. Perhaps it need some rearrange, but not sure yet. I just bought the mattress cover and curtain for this room. This was the smallest room. Originally I made it as my wardrobe and clothes organization room. So, my tenant just continue it, kinda a lot of stuff. So I do a clean up and bought curtain. nothing much I did for this room. Just a cleaning.
So, most of the thing I did was, a massive clean up, throwing unnecessary stuff and do a lot of painting. I did paint the furniture such as TV cabinet, coffee table, make up table, mirror frame, TV rack, the dryer outside as well 😃
Some other things I snap photo before I went back home last Saturday 😃🥰😃
I still need 2 more curtains..lolThe shoe rack, I don’t buy expensive shoe rack. I just re-paint the original brown wooden color with black and light grey color. I just buy the spray paint, make my life easier..LOLTadaa ❤❤❤
Okay, I will snap the rest pending things and post in later…
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. 😃
I fell in love with the view of this house, so I bought it when im 27 years old. People are busy marrying at my age that time, but I’m busy buying property 😗
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.
HeLLoOoooo Everyone!! I hope you guys stay healthy and sounds all time..Amin ♥️
I’ve been busy with my new plans etc for couple of months, and also..I’m been busy with gold collection!! 🙈 Hahaha..yes!! Gold…physical gold. Im obsessed with Gold now. Thanks for my mom n my sister who influenced me 🙈
But above all, I would like to thank my lover, who is the one supporting me to buy gold. Previously, because of someone who very close to me stole my gold jewelry, Im too sadden to buy or wear any gold. It’s been 6 years going to be 7 years, that I’m in trauma to wear gold. Finally, My Lover open up my eyes, to get off my trauma and my past, and exist in current and future life. Thanks, Love ♥️
So, here we go, my next project is to either buy whole bracelet or, to buy charms/beads little by little.
Should I buy….bracelet….
Or Pandora Charms and Beads…
Well…Well…Well….Let’s see what still available on this upcoming Friday…..
My Minimalist Lifestyle 