KambingBujang

It was 10.30 p.m. and my wife started to call my phone several times. When I was driving home from office after a hectic task, I listened to Mix.fm and DJ Radio was mumbling about the relationship between you and your love one and several ways to spice up your intimacy. And then He said something that interest me about how a gift can aid a serious situation, I turned my volume up and listened to it very closely.

You need to learn how to trade money with the time. This is not the exact word from DJ but it sound something like this.

”Men who often working late and always hardly find spare time to be with your wife or your girlfriend, don’t forget to buy something nice before you step into the house. Purchase anything that can bring a smile back to her face because she’s so bored and out of skull waiting for you”

It inspires me that actually money can buy you time. It is hard to find balance between work and life. My work requires me to stay back so often because there are many unfinished tasks. It’s hard to leave my wife alone at home. Sometimes my wife frowned at me every time I went home so late. I appreciate her and her time, waiting for me to have dinner together by bought her favorite chocolate or ice cream

Things I already gave her.

1. Laptop.

2. My bonus. i gave all my yearly salary to her and hope she’ll spend it wisely.

3. Lot of fine chocolates-my useful defensive tool before she gets mad at me because I come home really really late.

When you are coming home late, don’t forget to purchase something that really nice for your love one. Something that less expensive but can be used as a gift, it a big relief for your love one that has been waiting for you for hours to come home.

Technorati Tags: journal, money, time, financial journal, radio,

As at 21 february, my son is 2 months and 2 weeks old and he is growing up so healthy. He started to roll on one side but unable to complete full roll, may be next month. His neck grows strong and his arm muscle grows stronger.

As our baby is developing rapidly, our expenses is expanding as well. In order to cater our baby’s need, there a lot of purchases on baby items lately. We had to use some of our savings to buy for one-time-purchase items which involved big amount that excess our pocket money.

Here I point our baby boy’s expenses. We try to spend on average, and try not to overspend on extravagant baby’s items. Before we bought something cheap, we have to analyze each item whether the item provides good quality to our baby.

Regular expenses

1. Pampers – RM 200.00.
Many people complain about Pampers diapers that always cause leaking and frequent changing, but our baby is fine with this diaper. He didn’t at all and I didn’t notice the leaking so far.

2. Formula milk – RM 40.00 for 700 grams
We have tried a formula milk that fairly cheap which equals to our baby’s requirement (something to do with nutrition, i don’t know about that). But our baby got constipation after consumed that milk. We have to buy new formula milk due to his constipation.

3. Unscented Baby Wipes – RM 2.90 , Best buy at Tesco.

4. Monthly medical : RM 50.00

5. Clothes : more than RM 30.00 – I didn’t make proper calculation yet, my friend said the baby will grow up so fast it won’t fit the clothes that you bought now. So better not to buy many clothes for the first 3 months.

One-time-purchase expenses

1. Cradle – RM 79.90 – my baby will not sleep without this.
2. Baby Carseat – RM 159.00 , 20% off at manjaku – this act as a safety seat for our baby.
3. Stroller – free, my wife got present from her office, we save money on this one.
4. Small closet – RM 49.90
5. Big basket – RM 15.90
6. Others – baby bottle, thermometer, baby bed, bag etc. – RM 300.00

This is our baby’s expenses so far. For regular expenses we expected to amount about RM 3874.80 per year. One-time-purchase expenses are RM 604.80. We didn’t our baby boy’s expenses because it is still under our family budget. We didn’t include the babysitter monthly fee which costs us RM 200; we got the best deal from my wife’s friend. I would say that it is affordable service and our babysitter takes a good take of our baby boy.

Technorati Tags: parenting, expenses, budget, pf, savemoney,

Constipation
My baby didn’t pass a stool for three days after consume the milk. Then, I felt a big relief after day four when he made his bowel’s movement but three days after that, he didn’t pass a stool. He got sick and cried all day long We’re getting worried and seek a doctor’s advice. The doctor told us that we should switching other different formula milk that contained no lactose to prevent constipation, it’s a little bit burden because of high price but we have to consider health of the baby. The milk that we bought before was cheap and full with nutrition that fulfill our baby’s requirement but it has no formula for constipation.

We made a mistake
We thought it was appropriate to use save-money approach for baby’s expenses but the outcome would jeopardize our baby’s health. We made a mistake, we shouldn’t that approach. What’s best value for our money is our baby boy’s health.

Choosing the right life insurance and the right amount has to be made by wise decision, it is neither simple nor easy. I guess I need to get a consultation with financial expert that can be found around my local area. There is a lot of things I need to discuss and get advice about my financial matters.