Spending money online can be very additive coz you don’t see the money going out from you purse. I started with buying clothes, then magazines and textbooks for my girl and my recent online purchase was fabric! Since the exchange rate from USD to MYR is so low, might as well I spend my USD online. 
Anyway, money out, money must come in. I should try selling my handmade bags on Etsy eh. 
Hubby has finally paid up his business loan. We felt a huge burden lifted up from our shoulder. Since we have “extra” money now, we are thinking whether to upgrade our old junks to a MPV since we have 4 children already. Think, think, think…Nah! Can’t bear to go through another 5-7 years of paying loan. We still have homeloans you know.
Since hubby does not want to buy a car yet, I told hubby that it is pay back time. Yup! Yup! Yup! Pay ME back. It is because almost half of the business loan was paid up using my online income. So, you think 3 years running business can earn so much meh to pay up a big sum of the business loan. But, but, but arh….hubby does not wanna give me cash wor. He’ll just top up our gold savings account when he has the extras. Clever right? Ended up his money also.
You wanna invest in gold too? Can buy from United States Gold Bureau or open gold savings account at PBB. Don’t go to MBB. You go check out their buying and selling rates differences then you will understand why I said don’t go to MBB.
If you have money to invest, I would recommend that you invest in gold; buy gold coins, gold bar or open a gold investment savings account. The returns is very lucrative. I have investment in gold for a year already and the return is very good. Count for yourself here; I bought at 90++ a year ago and the price of gold now is at 125++. That is just over a year. In 10 years time, I think I can buy a MPV with cash if I sell my gold. But of course I won’t sell coz it is for my old age.
What happened to all the slot machines in First World Hotel? I remembered playing them and winning some when I was there for my honeymoon. No need to enter the casino also can gamble. At that time First World Hotel just opened and there was still renovation going on. Bad choice of hotel to spend our honeymoon! But what to do…that was the cheapest hotel available and we were on a low budget honeymoon. If I win some gold coins kah at the slot machines, sure can upgrade to a better hotel. Looking forward to our 2nd honeymoon; dunno when. Hope our gold investment will give us much profit then we will go before we turn 50! 
For a few years already, I have changed my mindset about insurance agent thanks to a church member of mine who is an insurance agent. They are no longer a pest to me. Mwahahahaha. I really hate those insurance agent that kept pushing me to buy their term life insurance or even their funeral insurance. Wah! First time meet me; want to talk about my funeral arh???
Now, no thanks to the new insurance agent that was recommended to me by a relative, I have changed my mindset about insurance agent; back to square one. Even though I informed the insurance agent that I will call when I am ready to buy or when I have the means to buy, she kept calling almost every month to follow up and keep on insisting to meet me telling me that she got a new australian life insurance, new health insurance package, new this and new that. Aiyo! Why waste your time and my precious time? When I said, “No money means no money.” Not that the money can appear out of nowhere by just mentioned the word “new” to me.
I have not been checking put the price of gold coins and also the gold savings account rates for a few months already. For the obvious reason of course; NO MONEY to invest. Even if the price goes down to RM115/g, I don’t have the cash to buy gold. Now the gold price is at RM126.77/g, I can forget about it. But then arh, if I were to sell my gold, I would be rich! Yaya, just by a few thousand like 2k? You think I so rich meh? Got so much money to invest in gold!
I know that you can offer me cheap term life insurance but no matter how cheap they are, I do not have the extra income at my dispense and I dare not commit to another 20-30 years of paying insurance premium. The insurance agent insisted that she still want to meet up with me this weekend. I am sure gonna do my disappearing act this weekend. I should have just tell her to not to waste her time with me when she called eh. Haiya…I was just being nice.
Since I have a helper now, I should use this opportunity to earn some pocket money. What is the most profitable home based business? What am I good at? I like sewing and I can sew pretty well too but living in Melaka, I do not have the resources to make good and quality merchandize. All the good materials can only be obtained in KL or JB. So, I can forget about sewing.
I can blog but I am not a good writer; I can’t crap like the SEO queen.
Become a re-seller of clothing, shoes and what not? Too many SAHMs are doing it now. Most of their circle of influence is mine too. Takan mo potong tripkan? Not good. If I sell cloth diapers like Coolababy, you will buy from me or not? Why Coolababy? My baby is using them and they are good. Don’t want to sell something that I know none of it’s quality.
What else can I do? Make Nyonya Pineapple Tarts again? Very fast perishable and very fragile. Can’t survive postage handling.
I’m out of idea. Looks like I have to make do with whatever I can get through my online assignments and hubby’s income. Tak kaya, kaya lar gua.
I was whining in FB on what to write about gold coins. A friend suggested that I write about if my husband where to give me a gold coin for each child I gave him, I would have lots of gold coin in my purse.
Hmmm…one gold coin for each child is not sufficient to make my purse full. I will only have 4 gold coins in my purse. Hubby need to buy gold coins (plural) like at least 10 gold coins for each child then only I will have a purse that is full of gold coins.
Today my sweet little boy turns 4. Since we have already agreed that we won’t have an elaborate birthday celebration until they turn 7 years old, it was just whoever is around birthday party celebration.
I wanted to buy gold coins for his birthday present but my bank account does not permit it yet. 
I’ll compensate when the USD rate increases to more than 3.25. I’ll buy some gold for him.
With the minimal cash that I have, I bought a birthday cake and lots of toys for him from a toy wholesaler shop; they are selling toys 3 times cheaper than the night marker price!
My boy is happy, I am happy.
