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Don’t hate him.It’s just how he’s wired.

Please bear with me while you are reading this post. I know some of my friends are quite sensitive when it comes to matrimony topic. I just can’t resist writing about this one tonight. Hell yeah my Facebook news feeds are full or engagement and wedding ceremonies pictures and not to forget they are still few wedding invitations sent by old acquaintances.

This should be norm. When you reach this kind of age intervals many are decided to tie the knot and settled down. It will be a great lie if I am claiming myself saying I am not affected by this kind of peer pressure. Not that I am desperate to get married with anyone as soon as possible but to certain extend it does made me felt annoyed when being asked too many times when will you getting married while try to be calm .I am not against marriage institution, when you’re getting married there are lots of reward to be grab,A LOT I TELL YOU, it just I believe that everyone has its own paced. Maybe my pace is damn slow compared to you.

Perhaps my mind is wired differently from yours where our view in approaching life differs vastly. If you think you are not very fond in waiting. You know what to do.

Don’t worry.The grass is always greener on the other side.The only different is whether you want to stick into the current one or not.

p/s:If i am not still getting married after 2nd half of 2011 and the excuse given the money is not enough.Sile lempang.Only applicable for that excuse only.

This Is Too Cool

Testing from Windows Live Writer !

Snowball Plan

One debt repayment plan that’s popular if you have read many personal finance materials is Dave Ramsey’s “Snowball Plan.” Here’s how it works:

List your debts in order from lowest balance to highest balance. Don’t take into account the interest rate. We’re just focusing on the balance of the debt.

Allocate as much of your monthly budget as you can to paying off the debt with the lowest balance.

Once the debt with lowest balance is paid off, you add the money that had been going to that debt to what you’ve been paying against the next lowest debt. Each time you pay off a debt, the amount you can apply to remaining debts is a little bigger. Thus, the name “Debt Snowball Plan.”

The benefit of the debt snowball plan is psychological. By having success paying off small debts first, you’ll receive instant positive feedback that can encourage you to continue paying down your debt.

The drawback to the snowball method is that you’ll end up paying more in interest than you would if you went after the debt with the highest interest rate first. However, if the idea of paying off a RM 5000 credit card bill seems too daunting, go after the low hanging fruit by paying off the RM 400 bill first. It will hopefully get you started down the path of reducing your debt.

Tags: Dave Ramsey, debt repayment plan, Snowball Plan