They’re not geniuses but they have a strong work ethic
They’re cheap (read: frugal)
I highly encourage you to read the article because this is not some opinion piece, telling you some inspirational bullshit. The article is backed by research and every other sentence will make you rethink your whole life, like this one: ‘you’d need to earn 2.5 times as much money to be as happy as someone who is self-employed.‘
You already know how important it is to wear sunscreen, but not all of them are created equal. Some formulas give next-to-nothing protection even if applied – a big money waster, if you ask me. The honour for the perfect sunscreen formula apparently goes to a product called Anthelios Clear Skin Dry Touch Sunscreen, produced by the company La Roche Posay. It costs $20 for 50ml, so I don’t think I’ll get it (even if it’s available in Malaysia).
BUT there are near-perfect formulas that are a lot more affordable! Anyone know where I can get these in Malaysia? Share in the comments section!
Sport Sunscreen Lotion SPF 50 by Equate ($5 for 237ml);
Quik Gel Sunscreen Broad Spectrum SPF 50 by Bull Frog ($9 for 147ml);
Water Babies and Ultra Guard by Coppertone ($7 for 237ml);
Pure & Free Baby Mineral Sunscreen by Neutrogena ($11 for 88ml).
Personal finance is so… so… BROAD, isn’t it? We come from all kinds of backgrounds and have all types of interests and go through all sorts of life circumstances. Looking for specific answers can be tough. Sometimes you don’t know what you don’t know – not even the search term for it. I have suggested Reddit as a resource page before, but the sheer amount of available information can be enough for some people to go, ‘nope’ and close off the tab.
That’s a shame, because one of the best ways to learn about personal finance is to learn from the Reddit community. The most useful information get the most upvotes – so you get to save time by reading only the best of the best as determined by those personal finance subreddit community members themselves.
Even though r/PersonalFinance has a lot of members and contributors, I wouldn’t really recommend it and some other subs to Malaysians as many topics are specific for the US crowd. The r/MalaysianPF community, on the other hand, would be great if it wasn’t, um, dead.
BUT. There are other personal finance subreddits that you can explore. They will help you save, spend, invest and manage your money better – for a variety of occasions. Here are 25 of them.
When I tell people that I’m moving to Ipoh, inevitably this dreaded question comes up:
“So what are you going to do in Ipoh?”
I’m going to be honest af right now- every time I hear that question, my heart beats faster, my mouth gets drier, and I smile (the type that doesn’t reach the eyes) while I say, “I don’t know yet, I’m still looking”.
Then usually they will give me like a “nevermind you’ll find something” and I’ll reply “yeah…” and just trail off awkwardly.
I don’t know why I’m not out and proud declaring that I’m going to be a full time entrepreneur. For goodness sake, I have a running online business called Kotak Koffee. I’m going to expand the business and make it reach new heights. Now I have more than enough time to dedicate to marketing it, and getting more products in. I could employ someone to help me with the work. Kotak Koffee has so much potential, and Ipoh is damn near perfect to continue Kotak Koffee’s expansion.
So why am I not … confident… about being an entrepreneur?
Never mind, I know the answer. It’s plain ol’ fear.
I’m scared shitless right now. I’ve always been a stable, predictable income kinda girl. I like surety. I love certainty.
My last date of formal employment was 30 September 2015. Today, it’s been 2 weeks of freelancing. My estimated freelancing income for October 2015 currently stands at RM3360 (nett). I’m aiming for RM4k.
I’m not finding enough resources out there for people who made the decision to quit their jobs to freelance slash run a business. At least, not enough resources on how it actually feels like. So I decided to document my own transition. On a personal level, this is making me aware of some aspects of my personality that I have not realised before. In a sense, I am answering ‘If you could do anything with your life, what would it be?’ by actually living it.
Here are my 10 thoughts on being a full-time freelancer, 2 weeks in:
1. I worry more. A lot more. It’s not as bad, but I still have panic attacks over this major life decision of moving away from Kuala Lumpur. Before all this, I tend to worry more about the long-term – how to make sure I’m financially okay when I retire. Now I worry about more immediate things – my next paycheck, overspending on lunch, missing opportunities, things like that.
In case you didn’t know, Tumblr has an active sex worker community. They are the escorts, the strippers, the elite companions, the cam girls, the fetish models, the professional dommes and subs, the sugar babies and the spoiled girlfriends, the aspiring trophy wives, to name a few in the wide spectrum of what the community considers to be a ‘sex worker’.
Fascinated with these women who are unapologetic on being sexual service providers, I followed a few… and was quickly blown away by their wit, charm, charisma and least of all, beauty. They are businesswomen, plain and simple. Here are some things they taught me, which helped me to prepare to be a first-time entrepreneur: