Tips on Earning, Spending, Savings, Risk, Investment and Expectations



Never depend on single income. Make investment to create second source.

That is the ideal situation. But first of all, if you think like an entreprenuer things will be easy.

You are never an entrepreneur until you spend less than what you make.


If you buy things you don’t need, soon you will have to sell things you need.

Quite true. If you need a new computer, get a computer and not an iPad. It is very different. If you need a car, get one that fits your target. You dream car may come later. I thought of the 2011 CRV is cool, but hey, the 2013 is pretty sweet right. I always wonder what’s next because things are getting better, technology become cheaper and if you save enough, you are buying more than if you were to buy it today.


Do not save what is left after spending, but spend what is left after saving.

In short, save first and spend what’s left after that. With me, I make a regular contribution to my ASB during first week of every month. I wrote save RM700 for 9 years, you will end up RM 75,600 on principal (without dividen). Savvy?

Taking Risk

Never test the depth of river with both feet.

When I invested my money to open a homestay together with my parents, I actually thought of buying a house. But realizing that by doing so, I will be putting both feet to test the depth, I rethink. Now, instead of giving money to the bank to pay for the house loan, money is coming into our accounts. 


Do not put all eggs in one basket.

What can I say as I’m sure this is pretty self explainatory.


Honesty is very expensive gift. Do not expect it from cheap people. 

I’m yet to grasp the true meaning of this. But I know that friends are priceless and honesty from them is very expensive and you have to take it when you have got it.

This is something I pluck from the Internet claimed to be from W.B.

Categorized as Blog

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