Tag Archives: yearplans

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: 😝

Ola 2025!! Como esta?! 😃

Hello!! Hello!!!! HellooOooo!! 😃😃😃

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:

  1. 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.
  2. 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.
  3. 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. 🤲
  4. 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.
  5. 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.
  6. 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.

Till then, to be continued.

Love, Sofia ❤️

Happy New Year 2024!!! Happy Me, New Me 😃

Assalamualaikum and Good Day to All of you,

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 😃

That’s All for Now..

Till then…to be continued…

Love, Sofia

Happy New Year 2❤23 🥳

To my friends!! A very Happy New Year to All of You! 🥳

Have A blessing Year full of Prosperities, Happiness, A very good in Health and full of Positivities in whatever task you are doing.

May this 2023 brings us some sort of motivation in achieving our dreams, and become true one day, Insya Allah ❤

I will be launching my new website soon..so stay tune!!! 😘😘😘

Source: Google

Love, Sofia