Ever since hubby told me to really consider homeschooling our children by next year, I have been Googling about homeschooling programme, talked to my SIL who homeschool her 5 children, talked to her children about what they have learned, got some AOP books from my aunt who homeschool both her children, took a look at ACE workbooks and met with a mother who just started homeschool this year using the Sonlight and Noeo Science curriculum.
Meeting with some of these mothers motivated me to start homeschooling as soon as we could. But finance is the obstacle now. We need time to raise up the fund for it. We weren’t prepared earlier for homeschooling so we did not have any education saving for our children.
We wanted them to go through what we went through; government school then to local university with scholarship or government loan. We need not save for their education cost, just like how we got our degree.
Unfortunately, due to the deterioration of Malaysian education standard, we see the need to homeschool our children. We see the need to put character first before academic excellence in which the government school does not emphasize.
We are praying that God will bless us with more than enough to finance our children homeschooling needs.
It looks like I am not the only one declaring this year of the dragon to be a frugal year. My reasons for being more frugal this year is because there will be another addition to our family soon. Meaning more mouth to feed, more body to cloth and more books to buy. Talking about books, am actually looking at ereader reviews to see whether it can help me save more money than buying the physical books.
Apart from that, hubby plans to do a complete upgrade to his CC which will cost him at least 15k. Well, we need money to make more money. The business has been running for 5 years and it is high time we do some upgrading before the customers hop over to newer CC.
With the additional family member soon and the ruling that requires all passenger in the car to wear seat belt, we have to get an 8 seater vehicle sooner or later. We need to save for that too.
And we also plan to homeschool our children by 2013 which means we need USD! Time to save my Paypal money; no more buying things online. Hmm…maybe one more batch of cloth diapers. 
And my children are growing up FAST! They eat more now. Less eating out then. 
Oh no! It is the time of the year again. Not school holiday, not my birthday, not hubby’s birthday and not Christmas too. While all those requires money. This one requires more money! It is the time to renewal insurance policy. sop, sop, sop. There’s medical insurance, life insurance, education insurance, rv insurance etc. Thank God my cars insurance is somewhere in the middle of the year if not. No Christmas gift for anyone every year.
I thought once you are declared bankrupt you do not have to pay anymore debt. Well, I just came to know last Sunday that a bankrupt person has to pay RM50/month as long as he has income that is being bank-in into his account. The bank will automatically deduct his account balance every month. This saves the collection agency the trouble of chasing the bankrupt person for that RM50 every month. I heard from hubby that this will go on for 15-20 years!
Thanks to Wm Rowe
Today I was listening to NPR’s Morning Edition and they were airing one of their stories about the debt crisis. I feel like NPR is taking over my brain, and they have really come to shape my understanding of our nation’s financial crisis. I have not lost my job or been significantly set back by the debt crisis, but constantly hearing about the effects of the debt crisis on our nation as a whole and on other’s people’s lives have really gotten me in mindset that I need to be spending as little money as possible. I decided that I needed to examine every aspect of my life and manage my spending as much as possible. I decided that one easy place to start saving was on internet. I went online and did some research and came across http://www.satelliteinternetbroadband.com/hughesnet/Arizona/M/Maricopa/. I found that I could get the internet I was used to for a better price and wouldn’t have to even pay for installation. I went ahead and signed up, and I honestly was proud of myself for beginning to take proactive steps to better manage my money.
My apartment is still not rented out. It has been 2 months we have been short of a few hundred RM to pay the apartment’s home loan. This month, my old junk road tax and insurance has expired. More money is needed. Next month, my wholesale life insurance is due for payment. Where to dig for the extra cash? An advertiser made a good offer for a link in this blog but after I agreed, no reply from them. 
This guest post from Lewis Beck.
No one ever told me how expensive getting old is! First of all, all the regular doctors appointment I have to keep up with are pretty pricey, and on top of all that, the prescriptions added up even further. I recently determined that it is time to look into hearing aids since I wasn’t hearing my wife as well this website, http://hearingaids.miracle-ear.com/hearing_aid_prices.html, where to try to find a good deal. Our active adult community was pretty much bleeding me dry already in since she and I both hope to stay retired, saving money where we can is the best solution. It’s obviously really nice to have all the time in the world and to be able to go see the kids whenever we feel like it. I’m not sure they love our random unannounced visit, but that’s all part of being an adult! My doctor says I’m nearly as healthy as a horse and I’ve probably got decades left to live… Let’s hope that’s not true, because I’ll never be able to afford it!
I have enough of having just enough every month and sometimes, not enough. I want to be rich. Can someone teach me how to be rich? To start with, I have none. I do have saving but it is only RM500 and I don’t have extras to top that savings account every month. You need money to make more money. I am sure Missoula, MT wealth management group will say the same too. It is kind of impossible for me to be rich coz I am a SAHM. I don’t even buy lottery. One thing that I notice in those rich people is that they are very stingy. Even one cent counts. Maybe I should try this method in my quest to be rich. Save as much as I could with the little that I have.
We have less one car now. The car that I have claimed to be mine since I am pregnant with my 5th child. Hubby’s car. No, we did not sell it to get an MPV or RV, not even the rv insurance quote. The car is still in our possession but we can’t drive it on the road coz the road tax and insurance has expired. We are still looking for the lowest car insurance quote. Not many insurance company wants to sell car insurance to an old car and those who sells them are pretty expensive so we are still scouting around to get the lowest insurance premium possible.
We have enough of just earning enough every month. We need to do something to increase our sales. Praying – Checked.
Promotion – Also checked. What else can we do? More promotions? GOPromos carries a lot of promotional item like pen, keychain, tumbler, pendrive, promo mugs etc. If only we have extra cash for that. I know that it takes money to make more money but we are not into borrowing coz we believe in living a life of financial freedom. We have faith that God will bless us pretty soon. By then, we might afford to engage Amsterdam Printing to make a new signboard for our internet cafe because the current signboard has faded. Btw, if any of you looking for cheap printing, come over to my shop ya.
