retirement – My Minimalist Lifestyle

What is Money?

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.

To be continued…

Love, Sofia

New Chapter of My Life 😍

Hello friends!

Wow, it’s been 10 months since I updated my blog due to workload and stress. Finally, I’m freedom from Corporate World! haha, temporarily 😃

I was thinking, due to economy not stable etc, our daily expensive increase significantly lately. I know I need to do some side income, because daily life these days becoming soo expensive. I’m still survive, because of my minimalist living. But I want more than enough so that I can help those who need it, especially my families.

I’ve seen in front of my eyes how people who used to have millions in their account on surviving mode now. In my country, Malaysia, most people are working in Corporate Company, having EPF (Employees Provident Fund) saved monthly with free contributions from employer, monthly. But, I saw when they reached 55 years old and finished their saving money even before they reached 60. It’s stipulated in my mind that I still need to work even though I reached a mature age of 55 years old to take out my money.

Here is the thing on what usually happened, when someone reached 55 years old, most scammer can “smell” the new money. So, mostly people will fall for scammers. Well, I don’t wanna be such. I wanna build my own business right now, so by 55 years old, it can run itself with minimal supervision.

If you wanna get into business in Malaysia, you need to register SSM (Suruhanjaya Syarikat Malaysia) and choose an appropriate type of business. Well, it was not a smooth process for me, but eventually I managed to get my SSM certificate. Yay!!

So, here we go, bismillah to start my business.

pssstt, well, I had eventually finished renovating my new home. Will share in the next blog on my new renovated home and share some tips on how to manage new house renovation from the beginning. 🥰

till then, to be continued…

Love, Sofia ❤️

p/s: Notes to my corporate world: 😝

Have you ever think of your retirement plan?

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.

Till then, to be continued.

Love, Sofia