I always feel I got no extra money to do investment. In fact, I never start to save money. This is a very wrong mind set. I shall act like my friend, who will always save at the beginning of the month before she spend her monthly expenses and put all the coins she got in money box every day.

I do wish next year I can use all the savings to buy either silver or gold.

1. Pay off all the outstanding management fees,

2. Change Water Filters,

3. Arch support for my elder princess,

4. New mobile phone for myself,

5. Air-Cond for my Princess’s bedroom

The last one is new added as they keep complaining the bedroom is so warm make them hard to fall sleep. Think this will be the priority. And the last and biggest spending is to fully settle our housing loan.

If I can get big bonus for sure I can clear few in the list. Else, it will take one or more than one year to get all in. Let’s see how soon I can successfully clear the list.

I have to do this when my excess and savings back on track. To ensure I have free of hassle and no worry of my retirement age, I must do something now. Besides review and increase my existing policy coverage, to get best annuity rates new policy is something extra to secure my retirement fund.

At my age now I already suffer from back pain which cost me so much to cure. No need to foreseen but it will definitely goes worst when I get older. Medical cost is higher and higher now and for sure normal savings will not enough to pay if bad happen. Insurance protection should be my priority investment.

Work 4 hours can replace half day leave. But work 8 hours can replace one day leave only some more department head is not encouraged. This means I will need to work every Saturday for 3 months then only all leave taken can be replaced.

Else, the best thing is I can get my confirmation early to enjoy annual leave. Finger crossed.

Officially say goodbye to 2011, goodbye all the bad luck and welcome all the good luck.

Year of 2011, the full schedule of chiropractic adjustment and tension working life, GOODBYE!

Good luck please comes to me. I know it is good to have friends wearing nurses uniforms but I don’t want to be friend with them forever. What I mean is to keep in touch always is good but no need to meet them every week. With the good sign of improvement, back pain adjustment no need to go weekly but once a month. Year 2012 still continue meet them but hopefully less than 10 times a year!

With the newly join company, I am looking forward of the appreciation of my contributions and rewards in return for all my hard work.

To all of my friends, may you have all the joys and accomplishment in Year 2012. HAPPY NEW YEAR!

Standard one to two is at afternoon session. She has to wake up early as she has to be in the day care center at eight o’clock morning. She can not enjoys to sleep till eight or even night o’clock in the morning anymore. Some more, she got no chance to take naps in the afternoon. Lifestyle has to be totally different from next year onwards.

She is the younger so she always the one every one are pampering. This ‘trained’ her likes to act whatever as she likes. Some times no matter how we advise she will never listen and follow. I do asked her to sleep early and wake up early but she still play hard and sleep less and sleep late. Think she will needs longer period to get used to the new schedule.

Anywhere, I wish she can adapt the new environment and learn happily in her primary school life. In fact, she told me she loves her new school.

]]> http://joyorhappiness.com/2011/12/2189/feed/ 0 http://joyorhappiness.com/2011/10/gift-list/ http://joyorhappiness.com/2011/10/gift-list/#comments Sun, 02 Oct 2011 04:53:24 +0000 admin http://joyorhappiness.com/?p=2079 Brother confirmed he will be home next year during Chinese New Year. We are all happy to know that he is planning ahead for the next come home schedule. My two little princesses are looking forward to have their gift from him. When the telephone conversation with my brother, both princesses already discussion what uncle will buy for them when he is home. I know for sure brother will not let them down. Whatever they asked, he will definitely buy for them no matter their mom complained and asked for not to pamper them so much.

What about my gift? I have no idea yet last time but when received his long distance call next time, I will ask him buy me a Bulova watch. If he is too busy and have no time to shop, then just buy 3pcs. One for me, the other two for my two sisters then will do. I am sure my two sisters love to receive new watch also .Then bro has no hassle to think what to buy for us when he is back.

I found many outlets selling kid’s sunglasses but those more like a toy. The glasses are so dark and I do worry will it harm to kid’s eyesight after long period of wearing. I believe there must be genuine sunglasses for kids selling in the market just I can’t find it till today. Let me know if you know where can get one. Thanks in advance!

Looking at different contemporary tubs now and hopefully I can find one which is affordable for my dream comes true.

I am getting stingier to spend now. Prices increased make my pocket money not enough to spend. I prefer to spend more on eating rather than relaxing day at spa. Since I am going to finish my spa treatment package soon, I am working on doing it at home to save some cost. To having a great home spa completed with quality products and equipments, the initial cost of investment will be higher then sign up a new package for sure. But when look into long term; I believe it is worth to invest.

]]> http://joyorhappiness.com/2011/08/spa-treatments-at-home/feed/ 0 http://joyorhappiness.com/2011/08/boyish-princesses/ http://joyorhappiness.com/2011/08/boyish-princesses/#comments Sun, 07 Aug 2011 00:36:26 +0000 admin http://joyorhappiness.com/?p=1992 When the time during my pregnancy, I keep wished that I can have baby boy. I have such wish in mind during my two pregnancy period. If you ask me is it effected me or my children? I think it is.

I found that my two princesses are a bit boyish. They love to play with male friends and they like boyish toys. Besides, they love horse riding apparel and sport wears than wearing skirts. I don’t mind they act like boy actually as I feel that girls who are too soft will easily get bully by others. I just wish that they will not have boyish figure when they grow.