Even though I live in Malaysia, I cannot go without the water heater. I used to be able to stand under the cold shower at 7am in the morning but after I have 3 children, I will definitely shiver if I were to do the same. My body is not as strong and healthy like it used to be.

Do you know that in US, their hot water comes from tank? Unlike ours, where we just need to press the button and hot water comes out straight from the pipe. However now they do have the tankless water heaters. I wonder why last time doesn’t have.

I bought term life insurance last year and hubby got it much earlier. All this while I have been paying for all the insurance premium. Now that I am out of job (almost) and not much income from blogging too, I am wondering whether should I cancel my policy? I do not like to be burden by all this financial matter. I want to have cash in hand for my children’s education.

Hmmm…maybe I should hunt around for those low cost, or cheap term life insurance quotes. At least my children will have some extra money to bury my dead body.