Monday, June 17, 2013
Tuesday, June 4, 2013
Meowjesty frequently sends me articles touching on 'how people handle their finance and why people end up bankrupt'. Not exactly everyone's favourite subject. I enjoy reading them but it usually leaves me with a sense of frustration.
I don't consider myself the brightest person around and I have almost no willpower. There is NO such things as me sitting there looking at someone person eating - diet or not. I'll be helping the person polish off the delicious cake/ pie/ whatever but at the very least, I am living a debt free life with healthy account and some investments on the side.
I don't buy things I cannot afford. I do not spend future money. Yes I can afford to get a couple of Hermes Birkins on my own with cash and then what, eat grass flavoured grass for the next few months? I don't think so!
1) An unhealthy amount of kids thinks money either comes from the sky or grow on money trees. (If you have a kid like that, smack them, or better yet smack yourself for not teaching them)
2) We all shop too much.
3) We buy things we cannot afford (Hellooooooo Chanel!)
4) Youngsters don't think much about being bankrupt.
Marrying someone rich is ideal but according to Meowjesty, the rich unfortunately make up a small percentage of the population. You had better look like Ziana Zain (I have no idea why he said her) if you want to snag a rich person.
First off, some girls (kindly note the word 'some') are spending tons of money on cosmetics. I have read of some that frequently finish their monthly pay on skincare or cosmetics that even I can't afford. Worst, it doesn't happen once in a blue moon when we feel like treating ourselves but rather every month. Do they have savings?
Q: Why do you care how I spend my money? You ain't my mom!
A: It's not my job to control your spending but having some self awareness helps to keep you away from debt that might eventually burden the people you love. (People who financially burden their loved one with their uncontrollable spending have the same status of a cockroach in my eyes. Hah!)
Say YOLO and I'll smack ya :D
It's none of my business what you buy or how you spend your money but if you keep thinking that your parents will bail you out anytime, your thinking will be the reason for your down fall.
What happens when you decide that you can't pay off your debts? Declare bankrupt? What happens when you become a bankrupt in Malaysia?
1) Give up all your belongings and assets
2) Not allowed to open bank account without approval from Director General of Insolvency (DGI)
3) Not allowed to travel overseas. DGI will hold on to your passport.
4) Not allowed to do any business or become a company director or management.
5) A certain percentage of your monthly income goes to the DGI to pay your debt off.
To sum it it simply;
NO honeymoons to Paris! Or anywhere out of Malaysia to be exact. Not that it is the end of the world but don't we all have dreams of going somewhere romantic for our honeymoon? Not to mention the cheap Chanels and LVs waiting for us there!
The way to stay out of being in a debt is easy.
1) Spend cash. I personally find it easier to keep track off. If the money in my wallet finishes. I am done for the month.
2) Spend within your means. If you are buying that LV you saw just to show off, you need to go to the nearest wall and bang against it 3 times. If the urge remains, bang it a further 3 times.
3) Save at tleast 30% of your pay.
Like Warren Buffett once said, If you buy the things you don't need, you'll soon sell the things you do.
Saturday, March 2, 2013
*Not advertorial, not sponsored.
Don't say I didn't warn you.
I may not be the type to read instructions but I do read online FAQs so I knew what to expect when I first open the mask.
The packaging for the Collagen mask is the thickest and heaviest I have seen.
The collagen mask is sandwiched between two sheets of protective layers. I am not surprised, the collagen mask is very fragile and tears easily.
Had a staring competition with a turkey during Chinese New Year and lost the match. The turkey neck was disturbing. El cheapo me used the two protective sheets (which were soaked with the serum) to cover my neck area like a scarf.
I remember reading tips on how to put on the mask so thankfully I didn't tear the mask in half ala Phantom of the Opera style.
It is one of those days when my better sense of judgement goes on holiday.
The mask has a somewhat strong floral scent which quickly goes away.
My first impression for the texture of the mask was, "Oh Nata de Coco!" I must admit it made me crave for Nata de Coco a little.
I like the fact that the mask adheres to the skin nicely rather that the usual paper type that is halfway sliding off your face but still half clinging to your face for dear life.
In the end I found out it was good for 4 palms full. Nicee!
Oh why oh why can't I look half as glamorous as the other girls do with mask on? I look like some weird freak with 'poh piah' skin on my face.
*The Vietnamese poh piah (which is both chewy and transparent) and not our Gurney poh piah skin.
After the mask, I found my skin brighter, clearer and hydrated but the amazing part is my pores were smaller.. it must be my imagination!
For more information on Timeless Truth Mask, you can visit http://ttmask.my/ or contact them at email@example.com.
MORE TIMELESS TRUTH'S MASK REVIEW TO COME...
Thursday, February 28, 2013
My 2nd trip to Japan in a year and this time was to Tokyo. Didn't do mad, crazy shopping there but it was still good.
Hakuba is a small, sleepy town during spring, summer and autumn but once winter arrives, the entire place comes alive! In Sir Knows-A-Lot's mind, it is the best place to ski. Niseko is just too crowded and tourist-y and since both Hakuba has the soft powdery snow as Niseko, it was a heaven for skiers. We went during autumn and it was beautiful. The mountains and the scenery was amazing.
Arrived in Narita Airport and stayed nearby at the Toyoko Inn. The room was as usual tiny but clean and comfortable. We chose to stay in Toyoko Inn since it was close to the Narita Airport and not too far from the train station where we will be catching the Shinkansen (bullet train) to Hakuba.
Breakfast was provided but didn't have much of an appetite so I only took some buns and a couple of coffee.
Saw some interesting adverts on the train magazine. Some compact powder to cover grey hairs? Sorry the hair looks seaweed green, the magazine didn't agree with the lighting...
After the 1 hour bus ride where I feel asleep and felt as it I was magically teleported to Hakuba.
The map of Hakuba area. It's a very small town that you can't really get lost in. Plenty of shortcuts and beautiful scenery. It's a pity the map was not that accurate. We got a better map later on.
We stayed in Allure. It was a small B&B ran by an wonderful Australian couple. We were the only customers since it was 'off' season. The rooms were about USD150 per night + breakfast.
Saw some interesting mushrooms outside the OneHakuba. Just had to go closer to inspect and take a couple of pictures.
We decided to head to the Tsukiji market on a Tuesday and when we got there it was surprisingly quiet. We found out later that Tsukiji market closes on Tuesdays.
We couldn't believe our luck.
So Sir Grumpy went looking for breakfast instead. He had something in mind and was eager for me to try. Upon arrival, Sir Grumpy ordered sushi set for 3,150 set of sushi. It was absolutely fantastic. the tuna was odorless and fresh.
To me, Tuna has a very distinctive smell and taste of blood. Sir Grumpy explains that if Tuna is drained of blood properly, the meat wont have the distinctive order and taste. Interesting.
This time, he granted my request.
Once was enough.
We chance upon some seafood stall on our way back and the oysters called my name. I floated over in a trace to see all the lovely, fat oysters.
I drooled. Sir Knows-A-Lot generously offered to pay for my oyster. I chose a small sized oyster and damn, it was the best oyster I have ever had in my entire life.
The meat was fresh, slightly creamy, firm with a slight 'crunch' (no I didn't eat the shell) and my biggest regret was not emptying the stall.
Some random shop we passed by
I had to take a picture of this. These are small edible cakes! Arent they the prettiest cakes you have ever seen?
A souvenir I got for 100yen.
You put in 100yen and a small amount of copper ball is flatter and a Hello Kitty design of your choice is stamped on it. It pops out of the machine fresh and hot.
Ate at the Cococurry. A curry house that allows us to select the level of spiciness. Being the arrogant fool I was, I obviously choose level 9. Afterall, I have an unbelievable tolerance and love for chilies. Death sauce in Mexican Restaurants? No problem!
My farts could set my jeans on fire.
I didn't know they use pepper to bring up the level of spiciness rather than chillis. I hate food with an overdose of pepper cause it numbs the tongue and all taste is lost. Well, it was like eating a bowl of pepper paste with some meat in it.
It was spicy alrighty. I sweated and sweated.
Haaa, this is the interesting part. I saw this in some shop and decided that it looks pretty interesting. It was slightly cheaper than my Dolly Wink at about RM40. It comes in only one colour; chocolate brown.
We ordered the tempura set and it was delicious. Especially the side dishes and soup. Found the tempura a little too oily for my liking but it was still delicious!
The wait for the food was horrendous. Unlike Malaysia, everyone waited patiently and never once demanded to know where and when the food was coming. They chatted, sipped beer and just waited. Amazing. We shamelessly asked the waitress about our food and kept looking at them. AHA!
Narita airport's Hello Kitty shop. I saved all my money for this place!
We arrived early for our flight and before checking in our luggage visited the Hello Kitty shop. Bought tons of souvenirs mostly chocolate mochis and butter cookies for family, friends and colleagues.
Overall this trip to Tokyo and Hakuba costed us much more than our trip to Kyoto, Nara, Osaka. The timing is one factor. We went in Autumn instead of winter. B&B in Hakuba are extremely expensive (to me anyway) and while Kyoto had a fantastic bus system, in Tokyo we mostly took the trains. Truthfully, I was much happier in Kyoto than in Tokyo.
Sadly, we will not be going back to Japan again till 2014. we have a big trip coming up and since that trip is bloody expensive, we won't be doing any travelling for the rest of the year.
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