I promise to myself today that I won't take for granted these years of peace and prosperity. I may not have every single thing that I want, but I undoubtedly have the most beautiful time in my life now. I am happy with my life, I'm happy with my husband, I am happy with my … Continue reading Regular
money wise
Savings
Think of it like this, and one of the most powerful ways to increase your savings isn't to raise your income. It's to raise your humility. When you define savings as the gap between your ego and your income, you realize why many people with decent incomes save so little. It's a daily struggle against … Continue reading Savings
Cautious
If it seems too good to be true, it probably is Let's be very polite and say no, thank you, if: A friend is offering you a very good business that she's been doing in the last four months and as a result of this "dream" business, she's now driving a new car and having … Continue reading Cautious
Boots
What was one particular thing that you used to feel so important and now, it's not so important anymore? Branded/ imported/ original- clothes/bag/shoes; those are the things that I used to think very important... But not anymore. I prefer to wear locally produced apparel, it's arguably better in quality and cheaper too and it's definitely … Continue reading Boots
Pembayaran
Jangan pernah berlama-lama membayar Kartu kredit pada minimum payment; Jika anda memiliki satu, dua, atau bahkan tiga Kartu kredit yang selama 6 bulan berturut- turut hanya dibayar sejumlah minimum payment atau segaris diatas minimum payment, maka anda perlu dengan sangat serius membaca Catatan Saya Hari ini. Jika memang sangat terpaksa melakukan pembayaran minimum, apa boleh … Continue reading Pembayaran
Self talk
So this is me talk to my self and I: I heard that you're finally come to a point where you're have paid 75% of your total debt. 25% to go! yeeaaayyy! Congrats!!.. you've managed crawling out from a deep debt, the end of the tunnel is clearly seen now, the light is really bright. … Continue reading Self talk
Wants
I don't want whatever I want. Nobody does. Not really. What kind of fun would it be if I just got everything I ever wanted just like that, and it didn't mean anything? What then?Neil Gaiman, Coraline I started to see the obvious danger when we want everything all at once, we shall be too … Continue reading Wants
Conversation
A friend called up today and asked for the rate of a make up artist, the average price of wedding kebaya (traditional Indonesian wedding dress) and so on, in short she asked me how much a standard wedding party cost. I then remind her that in Bataknese custom, there's no such thing as "a standard … Continue reading Conversation
kebebasan
Finance is not about numbers nearly as much as it is about behavior Keuangan bukan tentang angka, tetapi tentang perilaku Karena belakangan banyak berita tentang korban penipuan investasi bodong, saya yang masih punya banyak banget utang ini ingin mengingatkan diri sendiri tentang kebebasan finansial. Sesorang yang telah memiliki kebebasan finansial secara sederhana diartikan sebagai orang … Continue reading kebebasan
An idea
Under the shower, an idea sparked in my head, I've settled a humongous amount of debt this month; it took me four years to settle that debt; 48 months I have to transfer almost half of my salary to the debt that I nicknamed Voldemort. Not a fun time at all. So, the idea is … Continue reading An idea
karin sabrina 