Wow, talked about results. HSBC had gotten back to my complaint with a formal letter of apology. I feel much better knowing that actions had been taken following my complaint. In addition, they even gave me 4 tickets to Empire Cinema with free popcorn n drinks. Hehe, now I really feel much better. Credit should be given to HSBC for taking the initiative to compensate me and also that they had investigated the matter following my complaint.
My Manager is currently on official trip to Taiwan and China. I also wanna go to Taiwan. I had seen so many TV shows about the food in Taiwan....YUMMY!!!! Lets hope that my year end bonus is enough for me to travel to Taiwan.
I have been thinking about my future. What do I want? Where do I go from here? When will I be financially stable to set up a small family of my own? The main thing for me is to get my career on track and as for the finance part....it will definitely be stable once my career takes of.
Let's see what are the things that I had been doing for my future.
1. CPA
Who doesn't have a degree these days? Degree is so common these days, especially those in Accounting and Finance. So in order for me to be outstanding, I started CPA program, short for Certified Public Accountant. I have to complete all 6 exam papers (3 compulsory and 3 optional papers) In addition to that, I have to have 3 years of working experience and 3 years on the mentoring program in order for me to advance to CPA status. Currently, I am only Associate Member as I have yet to complete all 6 papers. I have taken and passed 3 papers. Am taking a break from CPA this semester. Will resume the program next semester, which is in February 2008.
CPA doesn't come cheap. I have to yearly subscriptions every year which is about AUD 425.00 every year. For each paper that I am taking, I have to pay AUD690.00 (let's hope that they wont increase the price anymore). Luckily, my previous company had helped me pay for 2 papers as I was working there at the time and they did not bond me. So, I still have another 3 more papers to take. Wish me luck!!!
2. Malay Tuition
I am gonna start going to Malay tuition as my Malay sucks big time. I need to brush up on my Bahasa Melayu as I am planning to sit for the citizenship test. Once I become a citizen, I will have more options in regards to job opportunities. For those who know me....I know my Malay is very poor and I appreciate the efforts of my colleagues to help me improve my Malay.
I hope that I will be called to take the test this November.
3. Chinese Language Tuition
I am English educated. All my bro n sis are in Chinese school. Sigh, this is all my fault. Actually, my mom enrolled me in a chinese kindy school but I had to cry everytime I do my Chinese homework. Only for chinese, I'll happily do other homework. So my mom was so sick of my crying for 2 years in that kindy school that she transferred me to another English based school when I was promoted to Primary 1.
So my reading level for Chinese characters are only until kindy level. Hahaha. Hey at least I know how to speak chinese, right?
4. Plan A
Actually, the test for the citizenship is Plan B. My Plan A is to........I'll only write about this if Plan A is successful, which should be in a few months time.
5. Savings
I think that savings are one of the most important thing that one can do for your own future. I believe that one should always have some money put aside for the rainy day.
I know that its hard to save money. But trust me, the benefits are, by far, more than the down side. The downside is that I can no longer indulge in spur of the moment purchases. When I started working, I spent a lot of my salary on things like manicure and pedicure, my hair, clothes, LV bags, shoes, earrings, bags, phones, even ran up on huge phone bills (my bf was working in Miri at that time), I also bought stuff for my family. Sigh, by the end of the month, I'll be broke.
That is the reason why I am very proud to say that nowadays I am saving about half of my salary every month. I try to......coz sometimes there are always unexpected expenses.
Hehe, after working about 2 years and 4 months (I started working on 1st March 2005), my savings is only about B$10k. Not much to boast about but its a start. Its never too late to start saving. Now that I have a goal, it is easier to save more as you are motivated to save.
Recently, I have a few friends who told me that they need to look for higher paid jobs as they dun have enough to spend every month. My advise to them is to budget their spendings. Its easier to spend your money than to actually earn them. Try to cut down on unnecessary things. But dun be too hard on yourself, reward yourself once in a while as this will once again motivate you to stay on track. Take out a paper and work out how much you will have in a years time.
So that's it. The 5 things that I am currently doing for the sake of my future, family and career wise. Quite little ho? I'll think of some more ways that I can improve myself.
~~~~~~~~~~
My Manager is currently on official trip to Taiwan and China. I also wanna go to Taiwan. I had seen so many TV shows about the food in Taiwan....YUMMY!!!! Lets hope that my year end bonus is enough for me to travel to Taiwan.
~~~~~~~~~~
I have been thinking about my future. What do I want? Where do I go from here? When will I be financially stable to set up a small family of my own? The main thing for me is to get my career on track and as for the finance part....it will definitely be stable once my career takes of.
Let's see what are the things that I had been doing for my future.
1. CPA
Who doesn't have a degree these days? Degree is so common these days, especially those in Accounting and Finance. So in order for me to be outstanding, I started CPA program, short for Certified Public Accountant. I have to complete all 6 exam papers (3 compulsory and 3 optional papers) In addition to that, I have to have 3 years of working experience and 3 years on the mentoring program in order for me to advance to CPA status. Currently, I am only Associate Member as I have yet to complete all 6 papers. I have taken and passed 3 papers. Am taking a break from CPA this semester. Will resume the program next semester, which is in February 2008.
CPA doesn't come cheap. I have to yearly subscriptions every year which is about AUD 425.00 every year. For each paper that I am taking, I have to pay AUD690.00 (let's hope that they wont increase the price anymore). Luckily, my previous company had helped me pay for 2 papers as I was working there at the time and they did not bond me. So, I still have another 3 more papers to take. Wish me luck!!!
2. Malay Tuition
I am gonna start going to Malay tuition as my Malay sucks big time. I need to brush up on my Bahasa Melayu as I am planning to sit for the citizenship test. Once I become a citizen, I will have more options in regards to job opportunities. For those who know me....I know my Malay is very poor and I appreciate the efforts of my colleagues to help me improve my Malay.
I hope that I will be called to take the test this November.
3. Chinese Language Tuition
I am English educated. All my bro n sis are in Chinese school. Sigh, this is all my fault. Actually, my mom enrolled me in a chinese kindy school but I had to cry everytime I do my Chinese homework. Only for chinese, I'll happily do other homework. So my mom was so sick of my crying for 2 years in that kindy school that she transferred me to another English based school when I was promoted to Primary 1.
So my reading level for Chinese characters are only until kindy level. Hahaha. Hey at least I know how to speak chinese, right?
4. Plan A
Actually, the test for the citizenship is Plan B. My Plan A is to........I'll only write about this if Plan A is successful, which should be in a few months time.
5. Savings
I think that savings are one of the most important thing that one can do for your own future. I believe that one should always have some money put aside for the rainy day.
I know that its hard to save money. But trust me, the benefits are, by far, more than the down side. The downside is that I can no longer indulge in spur of the moment purchases. When I started working, I spent a lot of my salary on things like manicure and pedicure, my hair, clothes, LV bags, shoes, earrings, bags, phones, even ran up on huge phone bills (my bf was working in Miri at that time), I also bought stuff for my family. Sigh, by the end of the month, I'll be broke.
That is the reason why I am very proud to say that nowadays I am saving about half of my salary every month. I try to......coz sometimes there are always unexpected expenses.
Hehe, after working about 2 years and 4 months (I started working on 1st March 2005), my savings is only about B$10k. Not much to boast about but its a start. Its never too late to start saving. Now that I have a goal, it is easier to save more as you are motivated to save.
Recently, I have a few friends who told me that they need to look for higher paid jobs as they dun have enough to spend every month. My advise to them is to budget their spendings. Its easier to spend your money than to actually earn them. Try to cut down on unnecessary things. But dun be too hard on yourself, reward yourself once in a while as this will once again motivate you to stay on track. Take out a paper and work out how much you will have in a years time.
So that's it. The 5 things that I am currently doing for the sake of my future, family and career wise. Quite little ho? I'll think of some more ways that I can improve myself.
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