Budget!

We are doing a lot of budget planning lately. Budget on renovation of our new house. Budget on money to spent to get a car (new or used one). Budget on air-ticket to visit my hometown before I start working again. Budget on furnitures. Budget on electric gadget. All these involve money!

Okay, I forgot another very important budget. Budget on money that we need to pay for my girls' nanny fees and their school fees. I actually have a lot of plan in mind. I want them to learn ballet, swimming, karate, piano and arts. All these classes involve a huge amount of tuition fees. Anyway, when I talk about this with hubby, he splash a big pile of cold water on me! He got his point also, we must make sure the girls are interested in all the classes that I intend to send them. No point waste money on something they are not interested in, right? Correct! In that case, I would prefer to invest my money to buy gold bullion which is a better way to invest my money!

New house = more expenses

We bought our first condo unit during our 3 weeks stay in KL. This is going to be our home when we finally go back to KL for good coming September. So, we need a lot of money to do renovation now. At first, we thought that since we are getting euro monthly, and the exchange rate was pretty good (during that time lah!), we decided to save up most of our money here so that when we go back to Malaysia by September, after the exchange, we can have enough money for the renovation.

Oh boy, the decision was so wrong! If you are aware with the exchange rate, you should have notice that the exchange rate for Euro to RM is dropping... dropping dramatically! From almost 1 euro to RM5.10 to RM4.30! Such a big different! Errr... I should have invest my money in GOLD! My mother always told me that gold is proved to be a successful method of preserving value. Should have do more study on buy gold bullion earlier!!