省钱

这个月我很省。没出门吃什么好料，没买护肤品或是衣服。没有出远门。

省到我很开心。

可是下个月，也就是这个星期有个长周末，会跟家人出门走走。

然后月中要到怡保喝喜酒，顺便也是观光。我还没去过呢。会带两个女儿，还有她们的外婆去。那样子的住宿就要两晚六百元。

哦，我的钱包。

六月要去韩国玩。

所以是，省少少，花多多。今日的省钱，是为了明日的花钱？

>.<

Insurance

What kind of insurance policy do you have?

I have three currently.

One is for 36 diseases. This is one traditional type of policy. What is traditional type? Well, i am not an insurance agent. From what i understand, this kind of policy is more expensive, but the cash value is higher. This was purchased by my mother when i was 18 years old. How wise she was. Can take it as a saving. LOL. At the beginning, she made the payment. When i was 24 years old and started working, i paid it by myself. It was aroudn RM1000++ per year.

The second one is the normal medical policy. All in one policy, including life insurance, medical card, accident and a little small part of investment. It costs me RM240 per month. Heard that the year i purchase it is some kind of anniversary of the insurance company, so my policy is a bit special of the benefits. Don't ask me how. I do not know. Previously, i thought i want to put more portion on the investment part, as i thought this investment would bring me wealth, or interest. I was wrong. A friend of mine who was an insurance agent told me that actually this small part of investment won't bring you much. This is only to cover your policy when you are not able to pay the premium. After that only i adjust the portion. I bought this policy with another agent. My friend really taught me a lot. An insurance agent with the intention of eduate people. We need this kind of agent.

The last one is saving type, where i need to pay RM6000 (plus some fee and tax) per annum. After 10 years continuously, i can start collecting the interest at RM2000++ per year, until my daughter is 86 years old. This policy is tied with my daughter. So we can get interest longer. The promised interest is 4% plus another rate depends on their investment gain. We can only take this as a saving, and not investment. 

I was satisfied with all this. And i don't think i would buy anymore. 

With the premium burden, i can save less, but more secure. Anyway, the most important is where we can live securely without worrying too much.

As a government servant, i have more options. This ease me too.

过热的市场

昨天读了最新一期的资汇，里边有个访问说，如果市场超过40亿成交量，那我们就得注意市场是否过热。去年8，9月也就是市场到达顶峰时，曾达到76亿的单日成交量，过后也就开始颓废。

我想，这能给我们很好的警惕。

想象去年尾，慌忙的丢掉手上的股票，为了自保，也为了止损。结果就是那时把这两年来的投资摊平，没盈没亏，那倒也是白忙一场。

那时，大家多惊慌失措，深怕熊来了。

当然，止损是必要的。

而今，今年也才过了4个月，综指又站回1860点。单日成交量也能到达30亿宗。

得时时警惕自己，若是过热时，真的得离场，或者别下单自保。

资汇真的是个好东西。

韩国游预算

到目前为止，去韩国的花费已经超过三千块。
我怎么觉得我好像不是budget旅行。

RM 1801  Air tic (KL - Seoul)
RM 562 Air tic (Seoul - Jeju)
RM 750 Accommodation @ Seoul
RM 587 Accommodation @ Jeju

如果预算是7500两人，那现在只剩3800可花。

我们呢，应该注重吃东西多一点。吃东西买东西。
那不就要花很多钱吗？

100K

读着读着，比较资深的股友已经不知道是第几个100K了。
 这真的是能激励自己。

所以，一定要设定一个目标，那就是第一个100K。

大家一起加油吧！ 

为了要达到这个目标，必须要存钱。要克制自己不乱花钱。

原本打算换车。Myvi确实不大，更不够给一个家庭。一个孩童推车下去，什么都不用放了。
可是为了目标，还是先搁着。

那何时能换车？我想，就到股票组合突破100K时才换。
 也能当作一种奖励。

200K时，我也要买些东西给自己。

这100K可能要费时一到两年，真希望能快点达成。

六月去哪儿

先生六月生日。

历经怀孕生产的我和他，已经两年没出国旅行了。最后一次是两年前的巴厘岛。

欧元跌，所以的确有念头要去那。

当然，要去哪儿，最大的问题就是时间和预算。

有了孩子，也不能出门太久，所以就预着一星期。

既然要比较每个地方的花费，那就每一项都要列出来。

Paris

AirFrance RM2246（这个最划算，因为直飞，省时间。）

住宿 RM280/晚

食物 30欧元/餐/人

交通

把路线都放进去，如果自驾去参观古堡所需的路程 = 446公里

汽油加租车 = RM1150

其他时候就坐地铁。

如果把全部费用提高一些

Air Tic = 2500/person = 5000 for 2 ppl

Accommodation = 2000 for 6 nights

Food = 30euro x 2 x 6 x 2 x 4.1 = RM3000

Transport = 1150 + 3 x 2 x 20 x 4.1 = 1700

所以两人费用大概RM12 000 

Germany

Air Tic 2500/person = 5000 for 2 ppl

Accommondation = 2000 for 6 nights

Food = RM2200

Transport = 2600

RM12000/2ppl

South Korea

怎能少了亚洲国家，毕竟预算并不是真的那么高。

那时记录下来的资料不知跑那去了。

不过理所当然，这个肯定是最经济的。

所有花费（不包括买东西/手信）应该在RM8000里面。

机票是RM1900两人。

去济州岛的机票大概RM500两人。

住宿RM1500

怎样算都是便宜。

所以，是韩国赢了!

They said GST is coming

So, we have to stock up what we need.

I gotta buy some clothes for the kids. They grow up too fast. 

Their tummy will be exposed when they are taller.

So, we had a shopping at the mall.

The target is the pyjamas.

In the end, i bought more than what we need.

This is where women's money goes to.

Oh no...