At last we found the time to send my old junk for another repair. To change the coil that makes the timing very high. I hope there won’t be any major repair after this coz we need our cash to settle our business loan. And if God willing, hubby wants to buy a better car that we can use to travel outstation.
Is there any car insurance where you can claim any repair cost? Just like the life insurance. When we are hospitalized we can claim the hospitalization cost.
I read that a few of my fellow blogger friends are flying away this Chinese New Year. Not sure whether they are heading to Poipu vacation rentals but I read one of them will be celebrating Chinese New Year in HongKong Disneyland.
I realised that KL people and the rich prefers to go for vacation to celebrate their Chinese New Year. One thing that is obvious is they have very small family. I can imagine how “quiet” their Chinese New Year celebration is going to be unlike those with big family like mine. 
Furthermore, the rich prefers not to distrubute their wealth with others. Many times I heard them saying, “Better I use my money by going for a holiday with my family than give to others.”
I guess they never experience the joy of giving.
I often blog about how financially tight we are. Today, I want to praise God for His financial blessings.
Hubby’s business is picking up out of our expectation. We see sales that we can never imagine that it can come to that amount. Due to it, we are able to settle a big amount in our business loan. We hope to pay up the outstanding loan by end of this year.
For the pass 2 days, the price of gold increased tremendously. We took this opportunity to sell some of my gold investment (which I bought during the good old paid-post days) to pay our business loan too. Now, I am gold-less. Nevermind, God will bless us with more gold! If not here, surely in Heaven I will walk on roads that are made of gold. 
An advertiser just offered me a good sum of money to place a text-link on my sidebar and I took this opportunity to offer my service to them; helping them to look for more blogs at a minimal fee. An email came back saying that they agreed but I am still waiting for a confirmation after I wrote my proposal to them. Keeping my finger crossed and praying really hard that they will want my assistance. 
We are praying that God will bless us enough so that we can afford to buy a better car; a MPV if possible. My old junk is still not running and I am using my sister’s car while she is still in confinement. In a week time, we are left with one car. Even though hubby seldom drive to work but when it rains and he needs to bring computers for repairs, he needs a car.
You know what, we are really thankful for His blessings but we are physically tired at the same time. We are still praying for an honest Christian staff for the shop; hubby has been working from morning till the next morning every single day except on Sundays. I am tired managing the household and my 4 lovely children all by myself every single day except on Sundays.
Above all this, I still believe that In His Time He Will Make All Things Beautiful.
Whatever it is, I praise God for His blessing. He may not bless me directly but He blessed my dad instead. And through him, I am able to “grant” my children’s desire to own better bicycles, opened a saving account for my youngest son, bought new clothes for my eldest and some toys too. I still have some cash left to fix my car and my broken glasses.
And my dad is going to buy a new Saga BLM too; meaning we, his children does not have to pay installment to buy him a new car anymore. Initially, it was my idea to share with my siblings to buy him a new car after he met with an accident. I’m kind of relief that he is buying with his own money since we are always tight these days.
I really praise God that hubby did not bribe. My dad kept telling us that we should just give the police officer RM50. Look the amount of our summoned is just RM20 more. Better pay to the government than letting the money goes into the police officer pocket. 
A day before we go to pay the summon, I did some search to find out how much will it cost us and I came to Myeg.com.my. There I found out that if we pay our summon within a month, we can get discount from 30% - 50%.
When paying the summon, the police officer at the counter told us that the summon cost RM150. Then hubby told her what is mentioned in the website and she nodded and told us that we only need to pay RM70. If hubby did not mention about it, I am sure, she won’t give any discount.
My daughter came home from school telling me that I must pay her teacher. It is beginning of the month and it is fee time. Just 2 months ago I spend quite a big amount to buy book for them. I can’t wait for them to enter Primary One whereby textbooks are provide free to all students. Does the government still practices giving free textbooks? If not, I can always buy 2nd hand ones. In kindy, they change their textbooks every year so I can’t hand down my eldest girl’s textbooks to my other children. They really clever to squeeze our hard earn money eh.
I really thank God for His blessing. During my stay in the hospital, I saw on the notice board that deposit for O&G operation is RM800 so I thought that the cost of my operation can go that high. Then the cost of the room I stayed is RM80 per day; that is for 1st Class Single Bed room. I need to at least stay there for 4 days and that would come up to more than a thousand ringgit. On top of that, my medical insurance does not cover anything that has to do with O&G operation. 
My insurance agent cum church member came to visit and encourage us to trust God that He will provide. We prayed and did just that. I am so thankful that the bill is only RM49! It is so unbelievable.
The room cost is at the 3rd class price which is only RM3 per day. The operation cost is only RM20 and the lab test is only RM17.
If I went to have the laparoscopy done in a private hospital, sure a few thousand ringgit will be gone!
Again and again I worry. Hubby said that was what the Pastor was preaching in church today. Women’s biggest sin is WORRY.
If hubby still practices law, I won’t be whining about money now. However, if hubby still practices law, he won’t be my husband now! If you read my love story before then you would know the reason.
Hubby said he does not like to practice law due the stress. I guess every job has their own stress and it depends on us on how to handle it; whether you are Mesothelioma lawyers, accountants, doctors, teachers, engineers or just a clerk.
With hubby running his own business, I think there is a certain level of stress in it when income is not sufficient, staff cheating, no staff and most of all his health is affected due to long working hours.
I should be writing this post in my Blogspot blog but according to my stats, less people reads this blog compared to that blog. So I shall rant here.
I was driving to hubby’s shop to send him his dinner yesterday evening. Even before I started driving, I made a plan to hop over to Giant with baby after hubby has done taking his dinner and bathing. I wanted to buy chicken thigh so that I can bake chicken again since my children loves it so much and I wanted to give some to my mom’s coz on that day, I told her I will give her some but ended up none at all coz after we dig in, all left was the breast part and my mom does not like that part.
As I was sitting at the counter, waiting for hubby to finish bathing I decided not to go and spend. This is because I am not getting enough income from online to pay my bills at the end of the month. This sucks!
Even though I know I can’t go to work now, I kept hoping that I can. Everyday when I drive my girls to kindy, I passes a few factories and I kept wondering whether there is any vacancy for me there. I miss earning for myself and for my family.
If you are wondering where is my husband; he is still around but I cannot depend on him. He wants to do what he likes even if it means not earning enough to support the family. I know he is praying and trying very hard to earn more but after 3 years, business is not doing any better. If I were him, I will go back to his previous, previous profession even though I dreaded it but I know I can get fix income every month for my family. To me, it is family first and my wants come later. But he is not me and I will not force him to do what he does not like.
Maybe this is one of the reasons as to why I want my baby to grow up faster. So that I can send him to a babysitter and go back to work. *sigh*
I better go back to sleep now. It is 5am already and I need to wake up at 7.30am to breastfeed and get my girls ready for kindy.
Hubby fired his one and only employee because she has been dishonest many times. From the very beginning I already expected that she won’t be working long with us. Either she would leave for other job or we terminate her. Kinda disappointed that it is the latter.
I wonder how much of the business money has gone into her pocket. The first month when she started working with us, the sales dropped. I got a feeling that she “transferred” some of the sales into her pocket. She is not only dishonest but lazy too.
I kept telling hubby to switch on the CCTV again but he refused. Till today I still don’t understand the reason he didn’t want to do that.
Now we are back to square one until we get a replacement. Hubby will be working from 10am to 12mn Monday to Saturday!
I know I am not rich.
But having someone telling you indirectly at your face that you are poor, it hurts.
Deep down, I really wish that God will bless us more than enough that we can be richer than them.
But I know that earthly treasures are nothing compared to the treasures that God has prepared for us in Heaven.
Hubby got the opportunity to buy over an internet cafe but he let it go because we are not eligible to obtain the personal loan from the bank. Thank God that we did not buy the internet cafe because business in our own internet cafe is slowing down. Even the salesman that sells wholesale computers told hubby that his sales has dropped a lot since last month. For the time being, we have to be contented with just one internet cafe to run and pray that God will bless the business that we will have sufficient income every month.
Hubby is thinking about buying another cybercafe. The price offered is quite cheap. The problem is that even with the cheap offer, he does not have enough savings to buy it. That cause him to think twice about the offer. Furthermore, with the economic crisis that is happening now, the risk would be higher. We would not want to have a lot of bad debts hanging over our heads. Yes, there is debt consolidation services available but being in debt is something that we are trying to avoid in the first place.
Praise God that one of the advertisers that I used to work with, is back in business with me! 3 months ago, his boss put everything on hold because they were cheated by bloggers before; links should be up for a year but after getting the money, the bloggers took it down. In order to be on the safe side, they stopped accepting blogs from me. They wanna see whether those bloggers I recommended will keep their words.
After 3 months and I am totally broke, I shoot an email to him asking about it and PTL! he wants more blogs from me and now the deal is much better for the bloggers. Even PR0 is accepted but with lower pay which is so much better than none. Previously, they only accept PR2 and above.
I hope with the extra cash that I will receive, I would be able to bring my children for a short holiday by the beach and upgrade my laptop memory.
Isn’t our God great. I was whining the other day to hubby that my income this month is gonna be worst than last month and we won’t have enough to pay our bills. He told me, “Why don’t you just pray?” Well, I did just that.
I feel sad that the burden of earning for the family is on hubby’s shoulder now. Sales were not good last month and this month would be slow too due to the school holiday. Hubby did mention a few times that if I am still working, he can do this and do that with his income. Now we are depending on his income, so he can’t spend in on his business to buy more computers and office furniture.
He makes me feel regretful quitting my job! If I want to go back to work, no one would employ me, because I am pregnant now. I have already reduced our expenses by sending our girls to cheaper kindy, reducing my mom’s allowance, less shopping trip, no new clothes for my girls except for special occasion.
How? Still not enough?
Worst come to worst, I will go back to work after my No. 4 is 6 months old and leave them under the care of the maid while I am at work.
Sometimes I wonder why we women would be willing to sacrifice our dreams for the sake of the family but not the men.
Even the ground floor has been rented but not ours!
Am ranting about hubby’s apartment again. Student does not prefer ground floor because they are dirty. We were surprised to learn from the real estate agent that all 4 vacant ground floor apartment has all been rented.
Hubby had call yesterday and we were pretty convince that they will rent our apartment. We went to meet them but they have no cash to pay for the deposit yet. Told us that they will call today to inform me what time to meet them at the apartment to collect the deposit. When they left, I had the feeling that they will not call.
True enough, none of them call me.
We kinda gave up and will let the real estate agent help us out. Too tired driving there so many times and no deal.
My hubby got an offer to buy one CC. CC means cyber cafe, not credit card. One CC owner who operated near hubby’s CC wanted to sell off his business as he wants to concentrate on his other businesses. The offer is quite attractive and hubby is thinking of buying over the business. His main concern is firstly the capital and secondly the business operating licence. He is not sure whether the business licence can be transfered to a Chinese from a Malay owned licence. If that can be done, a big problem is solved. As for the capital, he is thinking of using his credit cards. Of course, he has to apply to increase his credit card limit. Or maybe we will try and source out the capital from some place else.
Eversince I stopped working, I have to put on hold many of my plans. One of it is changing our car parts. My husband’s car need a new gear box. The present gear box can still be used but it cannot enter into the fifth gear. So the highest gear that we can drive our car is the fourth gear, which can be irritating if we want to drive fast. We also need to change the car seat covers which are already torn in many places. That too we have to put on hold. Will have to wait until we have the extra income before we can implement all our plans.
God answered our desperate cries and lifted up a burden from our shoulder. Finally one of our apartments is rented. Not the price that we want but we are still very thankful that we do not have to pay the full amount of the month home loan repayment.
The apartment is rented to a Jordanian family; a wife and 2 beautiful girls aged 3 and 2. The father is working as a lecturer and study at the same time. He is taking his PhD in English because they don’t offer English PhD in Jordon. I was surprised to learn from him that his pay in Jordan wasn’t that good. For a BA, their salary is only $1k a month. I thought Arab countries are rich. He told me, only the Gulf countries are rich, not all Arab countries.
All of us know that when spending money we need to get the best out of it. For instance when renewing your car insurance, you need to compare car insurance and get the best rate before flipping open your wallet/purse.
Unfortunately that I did not have the luxury to do because I depended on my dad to renew my car insurance because it is still under his name and for the love of his relatives; he bought it from one of his cousins!
Anyway, it was not that expensive but I am wondering whether I could get it cheaper else where. 