Do things that you love, you will be rich and happy.

People is this world, they are so many type of them. If we take finance and happiness, we do simple matrix, we can have 4 types of people. There are people who rich and happy. There are people who poor but happy. There are people who rich but unhappy. There are people who poor and unhappy.

So, choose which group are you? I'm sure everyone wants to be the first type of people which is rich and happy. I also want to be rich and happy. One of the secret is stop forcing yourself to do the things that you hate. Do just the things that you like. And of course, that specific things must be beneficial to others as well. Think of the things that you love to do that you will even continue doing it just for free. This explain why millionaires continue "working" even they have tons of the green stuffs. They just love doing it.

If you love to study and love to teach others and you are very good at it and you are at the top of your class, go on. Continue what you are doing. I know some people (better said many) hate to study and they are forcing themselves doing it and for sure, they are sucks at it. You don't have to listen to this people. They just being envy with you. You are good because you like what you a doing. You might consider to be a teacher, lecturer or private tutor (I like this idea). In special cases, some people are good in doing what they hate the most, and that is a disasters.

Maybe you are sucks in your studies, you hate books and you hate using your brain to think. For you, thinking maybe just a waste of time, but you love futsal so much. When the watch shows 5pm, you are the most energetic person calling all your friends to play futsal. Good. That's futsal is your passion. You might not become a futsal star (if you feel you can, work on it), but you can train people to play futsal. You might open a futsal business with a futsal court, you can become coach for school team or teach young people some futsal tricks. It is so cool to play and make money at the same time, right?

Okay. I know, you are not both of the case. You are not intelligent and you are not good in sport. Hey, it is not the end of the world. You know how to play guitar. Not only know,but you are very good at it. Even your friends love to listen to you playing the guitar.So, what are you waiting for, start some guitar-business. You can teach people to play guitar. You know a lot about guitar, you may help some beginners choosing best guitar for them and get some cash from it. You might do a performance and get paid from it. See, you enjoying your hobbies and making money at the same time.

If your intelligence level is low, you hate sport and you don't have any talent, don't be sad. Think of the things that you enjoy doing it. You might enjoy killing cockroaches because you hate cockroaches so much, you might consider starting a pest control business. You enjoy your time being at the beach watching a beautiful sunset, you might consider opening a chalet near a beach as your business (I like this idea too). You enjoy fishing very much, why not opening some fishing ponds as a business.

I hope now you know what it makes to be rich and happy. I also have some plan to make me rich and happy in the future. In this moment, I'm just financially stable and happy, but I want more. I want to be financially abundance and happier than today. So do you, right? So, start plan from now because time never wait you, chase them and use them efficiently.

p/s- Be honest with yourself. God is fair. Everyone have their own strengths and weaknesses. Success people use their strengths to improve their live to be better. On the other hand, losers always complain about their weaknesses and never stop cursing success people envying their success life.

Beware of Dream's Killer!

I know everyone have their own dreams. It can be dreams about your finance, relationship, health, hobbies or anything. Whatever you plan to achieve in the future is a dream and dreams always different from people to people. Since my blog is about personal money management, of course I will talk about your financial dreams.

To be honest, my dreams financially is to be a millionaires when I'm 35. Millionaires to me means I have net assets of more than a million (can be from my businesses or my properties investment) and I'm living the life that I want.

I want to live in a moderate life. A moderate car which just comfortable and safe. A loyal,understanding and beautiful wife which always be with me when I'm up and down. Two kids which I can always tell them about my life experience and listen to their problems at school. I'm gonna give enough love to my wife and kids of course. Every month, I can bring my family traveling through out the world to admire the uniqueness of building that exist in this world.

I want to own some motels near beach in a beautiful island because I love beach so much. I love the wind. I love the sound of the wave. During holidays, my family can enjoy running businesses for the tourists. Have some BBQ for them and fun water sports like snorkeling, banana boat riding, deep water diving and lots more. My kids will have chance to learn some practical knowledge about running a business and learn how to appreciate the beauty of the nature.

So, this is some of my dreams. You may have your own dreams. And I know, it might be totally different than mine. Go ahead, dreams as much as you can because it is fun. It will be much more fun when your dreams come true and that is what all of us want.

Now we come to the main point. Things that you need to be careful is to whom you tell your dreams. Don't just tell it to everyone because you may ended up being upset. People will said that your dreams are ridiculous, stupid, illogical, waste of time and a lot more heart breaking words. They even may laugh at you and think you are nut. That's when you start to feel emotionally unmotivated and you start to forget all the dreams that you have been plan before. This is the moment where your dreams have been steal by a dream's killer.

Dream's killer might be anyone. It can be your best friends, your parent, your class mate or event your "best friends forever". I know they said that because they don't want to see you fail in your life because they love you. They don't mean to make you upset. They don't mean to be a "dream's killer". But this is reality, you have to be strong and tough. Rather than waste your time blaming the dream's killer because not supporting you, better focus on your dreams and achieving it. That's your ultimate goal.

My advise, keep on dreaming your financial freedom and working toward it. Equipped yourself with knowledge so that you don't have to repeat the same mistakes that previous people already experience. Read more books about money management. Everyone have their own life and no one have the power to create it except you yourself. So, have fun dreaming and enjoy working toward it. I hope our financial dreams will come true and we live a happy life. Ameen.

500 Businesses You Can Start!

The day I sat for my final examination paper for this Jan2010 semester, me and some of my batch mates went to Jusco Supermarket at Ipoh just to enjoy watching Prince of Persia at the cinema. Man, that movie was awesome. I rate if 5 stars. It's so cool and unpredictable.

Before the movie, at the ground floor there was a  simple book fair. MPH make some discount sale just to finish up their old stocks. Then, while waiting for the movie, I just fooling around the book fair. Searching for some nice business books. I found the Azizi Ali book "Millionaires are from different planet" and another cool book which is from Adam, "Business You Can Start".

Actually, I want to buy both books, but since I have limited budget, so I decided to buy the Adam's book rather than Azizi Ali's book although I don't even know who the hell is this Adam. Next time I'll buy the "Millionaires are from different planet". This Adam's book is so unique. I never found such a practical business book like this before.

Just the summary of the book. This book consist of more than 500 types of businesses that we can start by our own. All the businesses is categorize according to their startup cost. From under USD1,000 to above USD40,000. Since it is from US, that's explain the currency used, but we can get the rough cost estimation by convert it to Ringgit Malaysia.

Back to the book. In each type of the businesses, it provide some description details about what is this business is all about, the start-up and the hidden costs. Potential earnings are also included. Besides, some businesses need specific qualification and equipments which also stated in each business profile. The best thing among all is this book also provide some marketing and advertising tips for best results from the businesses.

I bought this book for only RM20 but after I've read a quarter of it, I think this book is priceless. I'm so lucky to have this book and hopefully I can optimize the benefit of it by apply the knowledge in my real life.

p/s- Buy books during sales and discount!! It is damn cheap.. :)

Must, Important, Nice and Useless.

I'm back after stop blogging for 4 months. The reason is because I have some academic plan for my Jan2010 semester (the semester I've just finished) in order to improve my cgpa and hopefully my hard work will be paid. Now I'm at my home in Sik, Kedah and do nothing except eating, sleeping and surfing internet.

Today,I planned to register my account for ASB at the post office but the registration form had already finish, so maybe I'll try again next week or after a couple of days. Next, on the way back to my home, I drop at the public library. Maybe I can spend some time reading some business books there. And look for some interesting book.


Then, I grab a book from Azizi Ali (my idol) entitle The Millionaire Chronicle, and read some of it. Now I going to share with you a simple tips from him. This tip is about personal money management. How you can reduce you expenses by 10 to 20 percent. It is very simple.

First, you must know the different between a "must", "important", "nice" and "useless". The reason why you must really understand this is because you will apply this when buying things. Most people just spend their money without considering this categories. Next time you go for shopping, categorize the items you want to buy based on this four categories.

You must be wondering what is the real meaning of "must", "important", "nice" and "useless". "Must" is something that you really need to buy whether you like it or not. This can be foods or cloth. "Importance" is things that meaningful to you and can improve your life, make you happier and healthier. It can be activities like traveling or sports. "Nice" is something that you like it but to own it, it is a burden for you. Like luxurious car. And the last thing is "useless", it bring no good for you and just harm like cigarettes.

This thing is very subjective. It is different from everyone. For a student like me, buying a car is "nice" since I already have a motorcycle, but for people who just get married, having a car is a "must". So, think wisely and be honest with yourself. Never compare yourself with others. For a moderate income people, buying a Lamborghini is "useless" but for a billionaire, it is a "must".

For your spending, eliminate all the "nice" and "useless" things, you will be shocked by how much money you can save by doing this. That money you can use for "must" and "important" things or just save it for your future.

Stop buying cigarettes!

This tips is so simple that I believe every single person of you can follow it. Whether you are boys or girls. To be honest, I'm a smoker too but just an occasional smoker. Smoking is good for me because when I smoke, I feel so relax and calm, the high feeling is so good. But, that feeling can't be compare with love. Love feeling is far more cool than the feeling of smoke. The point I want to stress here is STOP BUYING CIGARETTES!, I'm not saying stop smoking or stop ask your friends a cigarette.

Why I'm telling this in my personal money blog? It just simple, you need money to buy cigarette, that's mean when you buy cigarette you waste your money. Don't believe? You burn your money. Both are same whether you buy cigarettes or you burn your money. For you to realize, I take myself as an example. I love Marlboro Light and Winston Light. I use to smoke minimum once a day. Roughly one box of 14 Marlboro Light cost me around RM7 and it can last for one week. In a month I already waste RM28. In one year I waste (searching for my calculator) RM336. In one decade I waste RM3360. Do you realize If I continue buying Marlboro Light for the next 10 years, it will cost me a motorbike. But if you smoke Dunhill, it might cost you a superbike!

So, how to do this? Let's start by not spending any of our penny on smoke. If you feel to smoke, ask from you friends who have some. If they don't have it, DON'T SMOKE! Smoking is nothing but wasting your money and damage you body. Do you know smoking can reduce you sexual strength and you production system? I don't want that to happen to me. I want to make sure my wife are the luckiest person on earth because she got me. The same goes to you. Don't sacrifice you health just for the damn smoke.

What else to do other than smoke? Go for sports. Find your dream soul mate. Read novels. Join some outdoor activities. Go for hiking. Go swim at the waterfall. Go picnic at the beach. Attend motivational or career seminar. Do part time job. Hang out with your friends watching sunset. Make a camp fire and enjoy singing till late night. Join martial art club. See! There are more other things that are better than smoke. You just need to love yourself, and enjoy doing something that brings benefit to you.

Don't show to people that you are rich!

My point here is, even if you have a lot of money, don't show to people that you have a lot of money. This is very dangerous. The reason I'm telling you this is, based on my own experience, bad people love to rob people with a lot of money. They don't care what race you are, what is your age and what contribution you have done to the society, they want your money. I know it's not fair, your money is yours. It is your effort, you work hard to get it.

This bastard people, they are lazy. They don't want to work hard to get money. They think rich people are cruel. But they are the one who cruel. They think rich people take money from society and that's the only reason why they are poor. Their mindset is, you don't deserve to be rich while they are poor. I hate to say this, but this is reality. This type of people really exist and they are many in this world. This people observe you everyday and they can be your close friends.

How to do that? Live your life moderately and don't show off. Be low profile. I know most of you have a lot of money, and when you work harder, you are getting much more money. But don't make it too obvious. Don't buy luxuries car, don't wear branded stuff, don't show your thick wallet when you want to drinks at Mamak stall, don't tell your friends to much about your asset, don't buy expensive gadget and much more "don't show off" things. The point is simple, if you are so stubborn and do all the don't things that I'm telling you. I bet you are inviting those bad people to rob you. You expensive stuff saying "Come take my money, I'm rich, I have a  lot of money"

Why I'm telling you this? Not because I don't want you to look successful, just because I love my readers. I don't want you to get robbed. My father last two nights got robbed and I really learn the lesson. He use Mercedes Benz C200 Kompressor. He is a doctor and he has his own clinics. His minimum monthly salaries is five digits. I know most of you are richer than him when you start working. The point is, I don't want this thing to happen to me and also to you. Live moderately and enjoy your money for other things than to "show off". Your life will me much more meaningful.

p/s- I really love my father, he is not a perfect man, so do I. But I will follow what good things in him and I change what bad things he does. You must do the same!

Use transportation wisely, limit your top up usage and avoid junk foods.

Tonight I want to share with you some tips how you can cut down some of your daily expenses without making your life less enjoyable. Some of this tips is so common but most people don't practice it. All you need is just a positive attitude about saving your money and a good discipline. Stick with this simple tips and I think your life will be fun and difference than before.

First things is about your transportation. Most people nowadays have cars. And they is nothing wrong with having a car. What I'm advising you to do is only use your car if you really need to use it. Make it a last option for your transportation. If you only want to go to the shop nearby, better walk or use motorbike. It is fun to walk and meet new people. Smile to them. Ask them how they are doing. For students, if you want to go to lectures, walk is the best option. Unless if your lecture class is so far away. You can enjoy watching and knowing many beautiful girls and handsome guys on the way to the lecture. It's also healthy for you. Walk can really burn down your calories. You will shock at the end of the month how much you can save for your petrol and also how much your weight loss.

The second thing is your top up. Most people don't set a limit for their top up. They just buy the new one if it's already finish. This is not good. You better set some exact amount to limit your top up usage. My advice is you just use your phone only for important things. And if you are messaging or calling people, make it a simple and straight to the point conversation. If you just want to message or call your girlfriend or boyfriend, I think it's really waste your money. You better meet them face to face. It is much more romantic and fun. You can stare at their face and you can talk as long as you want. It is much more enjoyable than you are sending them messages or calling them. And the best thing is it is free. So from now onward, stop messaging or calling you love one, just meet them and spend time with them doing enjoyable activities. I bet you will save a lot and your relationship will be much better than before.

My last advice for tonight is about your food. Don't eat junk foods. Its a real waste of money and you can be fat because of it. Make sure you take food smartly. Eat on time. Never skip meals. Follow the balance diet, make sure your food have carbohydrates, proteins, fiber, vitamins, minerals and small amount of salt and fat. This is what your body need. Not a junk food with high level of salt and fats. Even they are delicious, just imagine yourself become obesity just because of that junk foods. You don't want that, right? So, start from this moment, eat a balance diet and save your money by not buying any junk foods.