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Suraya’s Personal Finance

How I live my life to the fullest without being constrained by money.

[Personal] Figuring Out My Next Life Goal

life goal

“If you fail to plan, you plan to fail,” they say. I agree, and that’s why I feel a bit lost right now. I can’t decide on my next life goal.

This post compiles a series of potential life goals that I’m considering, and what I’m doing about them. Please indulge this blogger’s ranty, word-vomit post. It’s cathartic.

Life Goal That I Achieved

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How Much Was My Raya Spending in 2017? Exactly RM2,095

Raya spending

 

Selamat Hari Raya! Please forgive my many, many mistakes so far ye tengkiu lapchu.

I’ve written a couple of blogposts about Raya so far, namely:

But I’ve never written a post-Raya spending post-mortem, so that’s what I’m going to do. 2017 was my first Raya where money wasn’t an issue, so I was curious how it compared to previous Raya spending experiences. This is what I spent on this year.

#1 – Baju Raya

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All The Fintech Products in Malaysia that I Love Now

fintech products in malaysia

I really like these fintech products, and not even sponsored to say this!

Fintech = finance + technology. You probably use some of them (like bank apps). What I’m about to do here is to give my own take of how these fintech products in Malaysia are personally helpful for me. I’ve divided them into: products that save money, products that help with money management, and investment-related products.

Fintech products that save money

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Under-RM1000 Travel: 3D2N Ho Chi Minh City @ Saigon Trip, Vietnam

 saigon trip

Ho Chi Minh City (young people in Vietnam prefer to call it by its original name, Saigon) is a good place to head to for an under-RM1000 weekend trip. Why not longer? It’s a great city, but personally I can only handle the traffic noise in small doses. This was my third trip to Vietnam, but first to Saigon.

My 3 days 2 nights Saigon trip was cheap- just RM958. Even cheaper than my 3 days 2 nights Langkawi trip! Saigon is good for ballin’ on a budget 🙂 There are eight savings tips in this post.

The currency is Vietnamese Dong. RM1 is roughly 5,000VND. Can’t lie, holding a million Dongs in one hand made me chuckle.

Saigon Trip Overview

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My Total Income and Expenses in 2016

I truly believe that personal finance is beyond just simple, boring money. They show insight of who you are, as a person. They show what you decided were important enough to spend money on, and serves almost like a diary.

Well, this is my 2016 diary. It’s a bit nerve-wracking to show them, so be nice ya 🙂

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