Finding Financial Peace

Spending Money Wisely

See, I have given you this land. Go in and take possession of the land that the Lord has swore he would give to your fathers - to Abraham, Isaac and Jacob - and to their descendents after them."

Deuteronomy 1:8

What is given is not automatically yours.

The land will not be possessed without a battle.

You are called to possess the land WITHOUT.
Always remember where we started. Remember how hard when first started. Never be proud.

You are called to possess the land WITHIN.

Faith extends God's authority in every area of our living.... internally and externally. Have faith in God for a successful live.

There are challenges from WITHOUT.

Possess the land.

1st Settle Your Heart, Not Your 'Debt'

The search for significance and contentment.

To the Jews who had believed him, Jesus said,"If you hold to my teaching, you are really my disciples. Then you will know the truth, and the truth will set you free."

John 8:31-32

ARE YOU GLAD YOU ARE YOU?

2 OPTIONS FOR EVERYONE TO CHOOSE FROM

1)Self worth = performance (own action) + others' opinion

2)Self worth = God's truth about you
The first choice will make you a slave to the world. You will never find the true meaning of life and some might end up in depression.

The second choice is my choice. Leave everything in God's hands.

Finding Contentment

But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.

1 Timothy 6:6-10

Satisfaction with one's possessions, status or situation is contentment.

Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God.

Philippians 4:6

Keep your lives free from the love of money and be content with what you have, because God has said, "Never will I leave you; never will I forsake you."

So we say with confidence," The Lord is my helper; I will not be afraid. What can man do to me?"

Hebrews 13:5-6

How To Spend Money Wisely

1. Have the respect for money.

If you have RM100, you bought a pair of jeans for the brand sake, you will have no more

RM100 to spare anymore. Think before you buy. Always ask yourself, do you really need it?

2. Understand NEEDS, WANTS and DESIRES.

Needs = essential items

You need to put the food on the table. You need to clothe yourself. You need money to run the

household. You need petrol to travel.

Wants = items which you are eyeing on

You wanted a pair of Nike sneakers. If it is within your means, then get one! But if you have to

borrow from your friends the every single dollar, then shelf that plan away. If you want

something, get it within your budget.

Desires = coveting for something

You desire to own a BMW. Weigh this first, by driving a Kancil and BMW, it will still bring you

from A to B.

You desire for a holiday in Disneyland in Florida. Think about this, the exchange rate will make

you work like a cow when you're back from the holiday. Is it worth every single moment? In

the end it still become history in your life.

You desire for a bungalow. There are only 4 person in your family. Can you stay in every

single angle and are you really taking up so much space? A home is a place of shelter, more

like a resting place for those who spend much of the time in an office or out on the road. In

the end, your maid will enjoy staying in the bungalow more than you do.

4. Focus on fulfilling those things that matter the most.

Stewardship must result in both joyful giving and spending, if it is to be regarded as good and

faithful.

HE WHO HAS LITTLE AND ASK FOR LESS, IS RICHER THAN THOSE WHO HAVE MUCH BUT ASK FOR MORE.

A BORROWER IS A SLAVE TO THE LENDER.

FOR ME TO LIVE IS CHRIST.

What Am I Doing?

I have never wanted to teach. Never in my mind will I want to be an educator. But looks like God led me to teaching. I really love the kids and I get along very well with the teenagers. I find that my words to them meant a lot and they listen to me more than anybody. So, I do not regret knowing them. But a death among them has really extinguished the flame in me.

I seek for other opportunity. But I can't just throw away everything and leave them stranded. I'll still continue to teach but I will want to spend some time on other matters as well. I prayed and seek and everything just came to me.

Accounts Manager for Mobile Prepaid Convenience in Mobile Money International....
Senior Consultant in Herbalife....
World Smart Travelling Agent....
Business Partner with Telekom Malaysia....

I have many more but I will only concentrate in these four.
I will the help of all of you who are my friends, refer your friends who are seeking for business opportunity, lead them to me.

Those who want to make hotel bookings for international or local holidays do let me know in advance too. I can get you a lower rate than what you're offered. Flight bookings can be done too... but obviously not a last minute booking.

Fancy carrying a mobile phone with your state code? Let me introduce you to mobile homeline. You can use iTalk by topping it up yourself at a discounted rate.
Let yourself be a mini telecommunication shop. Reload for yourself and others and get to earn some commission....

Where am I heading in 10 years time? I don't have to worry. Business opportunity is everywhere. So refer those who are seeking for financial freedom to me. Thanks a bunch! Love you pals!

Cam-Whoring...

A day where everyone went crazy and started snapping photos....

Seriously can't blame the craziness going on. Some of them are even capturing videos. For whatever reason, nobody knows. Give them some quality time to be their true self. Nobody can sit there and study for hours and pretend to be studious... Give them some credit for attending classes even on rainy days. I'm such a good educator!! HAHAhahaha~ :P

These two are just so lovely... cheeky and smart!

I think I'll just put in a few more pics.... tak larat nak load already.

There still more cute faces but looks like I cannot liao..... very tiring writing blogs.

Janice Went to Spa

This is such a 'wonderful' place to be at. Small pond, greeneries here and there, well placed stones, beautiful environment which created freshness in the air. Janice, you surely 'looked' happy and glad to enter the spa. That robe really made you looked like you're an apostle having walked a thousand miles in the desert with your camel. You just can't belief your eyes that you manage to find the region with oasis and water is the only thing you have in mind. Don't worry!! I'm there to share your 'joy' with you.

There... we are the happiest friends around. Celebrating your success in seeking water, the essential need for survival... And not to forget another person, the First Lady in your life and the diamond in your heart....

It's your mom! You took your mom to the SPA! You're such a wonderful daughter, gal.

*SIGH* I've never been to a spa. And I doubt that Janice have ever been to one too. Actually, Jan went for colonoscopy and we were there to cheer her on. Wasted half a day of unproductive time at the so-called spa. In conclusion, I still don't have positive remarks to make for private hospitals. To me, they are not sincere in treating patients but they are just blood-suckers, trying to earn from sick people. Next time don't rob the banks, rob the hospitals. They earn more than the banks do, I guess.

PS. Not encouraging any of you to rob the banks or rob anywhere or anybody. Just giving an example. Don't misinterpret.

Mysteries Upon Mysteries

I've come across a few situations, real-time situations but seems like very far from reality. Names have been changed to protect the privacy of the real person. Really make me go bonkers...

Situation 1:
I know of this lady, Agnes, who rented me a place. The name of the house owner is not even her name. It's somebody by the name of Mr. Tan..... Agnes determines the amount of rent to be collected and did not give a single cent to Mr. Tan. She used up all the money. When I asked who's the real owner, she said that Mr. Tan is a kind uni lecturer who gave the house to her. Funny! If want to give her the house why not change the owner's name? But a stranger giving another person a house?? It really makes me wonder. I'm not even sure whether I will want to present a house to my very own biological sister let alone give it to a stranger or even a friend? (scratching my head).

Situation 2:
This lady, Agnes, has an aged mother. She told me her mother usually goes shopping 4 to 5 days. My jaw almost dropped when I heard that. I'm not sure whether to laugh it off or just stare blankly like an idiot. Then she told me her mother has been gone for shopping for a month in Komtar and didn't come home. Is her mother suffering from Alzheimer's disease. She should have report to police under missing person department.... but true enough how to tell the police ar? "Ibu saya pergi membeli-belah di Komtar selama 4 atau 5 hari. Tetapi kali ini pelik sikit, pergi membeli-belah selama sebulan. Rasa-rasanya sudah hilang atau sedang bersiar-siar di kota Georgetown." ARGH!! She asked me to help her, but the more I think the more headache I have. I don't think I can help.

Situation 3:
This Agnes has a son by the name of Simba. Simba looks 100% Chinese but Agnes' husband is an Indian. Simba doesn't resemble his father at all. Is Simba Mr. Murugan's son or Mr. Tan's son? Is the house given to compensate Simba? Okay... my imagination is running really wild. Simba is only in standard 1 but speaks like an adult... can even do Form 1 Maths... faint! I really faint!

Situation 4:
Agnes' husband, Mr. Murugan is a captain of a ship, sail around the world, shipping contennas. Mr. Murugan is supposed to retire last year but insisted on working on contract with the shipping company... funny... doesn't he miss the land? Why insisted on going eventhough his age is not really permitting him to go? But every month Mr. Murugan will send Agnes ALL his salary. I've only seen Mr. Murugan once. Sounds like he's running away from home.

Situation 5:
Agnes is a real genious... but the way she looks at me really make me squirm. I can safely say that she's the only person who can scare me out of my wits. She is holding more than 5 degrees. She just finished one. She can think of the unthinkable. When I started talking to her, she's really loud and I'm always shivering in fear that her voice will swallow me whole. She can talk for hours and I'll be sweating just sitting with her.

Lastly, I managed to talk her into trying my product. She loss 3 kg within 2 days. Her body can make 5 of me so I guess her everything really scare me. Wow!! I can close her for sales but she is still a scary person.

Prevention is Better than Cure...

I think most people will agree with me about these :

• Girls or women are willing to spend their hard earned money on their outer beauty - visiting the slimming centres, going for facial treatments, buying expensive and branded clothes just to look attractive, changing hairstyles as frequent as the style changes....
• Buy magazines and follow the crazy diets in the magazines just to have a fabulous body - always want to look slim but in the end not slim but looks more like a skeleton... not attractive but scary looking with sunken cheeks
• Would go on hunger just to fit into the extra small dress to prepare for a party....
• Sending our cars and motorcycles for service and changing the lubricant oil every 5 000 or 10 000km, filling it with the best petrol so that when you accelerate, its like you're moving on air....
• Getting the latest computer, the latest electronic gadgets to show off, the largest LCD television screen, the slimmest phone, the best MP4
• Buying insurance for our homes, cars and ourselves.
• Skipping meals and cutting on expenditures to get our dream house or going for a holiday which will burn a big hole in your savings

I have come to my senses that all those are only secondary. The most important is our health. You can own everything in this world but when you loses your health, in a whoosh you have NOTHING at all. Everything that you've planned, everything that you have build, everything that's surrounding you, your loved ones, your best friends... all of these become far from your reach.

My mother always tell me what is the point of getting a big house, when you die can you bring it along with you? What is the point of making so much money if you're not willing to help the poor? Splurging money is a sin. There are still many many people who can't even get a proper meal let alone buy a new shirt.

I experienced the real pain first handed when I was running to and fro to the hospital just to be with Shazmil. It's mentally and physically draining. The saddest thing is that you turn to your left, your right, all along your path, you see sick people. You can't do anything. If you bring a big bag containing cash, you still can't buy back their health. You donate a few millions to the dying person, he wouldn't want it. He wants back his health which cannot be bought with a price.

There are many products out in the market for general wellness. Organic food to those who really take care of their diets. Many more products which proved to heal deadly diseases. Which to trust? That was why it took 5 people to talk me into this. Right until now I have no regrets. I wish all my friends will be in with me to promote a better and healthy living.

Lose Weight Now, Ask Me How....

It took 5 different people to talk me into this. Tried the products and it was really wonderful. Results can be seen within the first week and for some people even after three days of trying the products necessary to shed off some fats.

It is a company which is standing strong in the States. The products have been circulating worldwide in 62 countries. Malaysia is placed at 61 which proved our Medical Board is very hard to be penetrated. Not all the products are allowed entry into Malaysia but the basic products are in.

This is a company with 17 scientists to experiment on what we eat and how to overcome our bad eating habits. Amway has been around in the market for more than 20 years but the sales turnover in 3 months is only RM3 million ++ but for this company which just came early in the year, within the first 3 months, the total turnover in 3 months is more than RM65.5million. This is really a proven and fantastic product to consume.

Within the first week, I lose 5 kg and it's still going down. I attended the Success Training Seminar and I met so many people from around the world. This is the company which has produced the most number of millionaires and I'm very determined to be one of them soon. Can you imagine it took 5 people to talk me into this wonderful company??

The basic shake contains 55 cellular nutrients. Therefore, its not only for those who want to lose weight. Those who are underweight or have been on a crash diet can even get a balanced and fit body in no time. Pimpled face and acne attack can be get rid of. Always visiting the doctors because of flu? Stop the flu once and for all. Some of you might have tried varieties of medicine to slim down or have good health, this is the best thing that I can introduced.

A church member was on the stage telling how she escaped death. She was in ICU when somebody fed her with this miraculous shake.... she woke up after a few days and she's the walking testimony that the cellular nutrients in the shake really healed her. There's no guarantee or statement that it will cure any diseases. But think about it, our cells need the nutrients which we are not able to provide.

I wished I wouldn't have been stubborn. It might help Shazmil if I wouldn't have been so hard-headed and sceptical. I will not make the same mistake anymore. Yes, I do blamed myself for not being caring enough, not being more alert and being not of any help.

To those who read my blog, tell your friends about this wonderful thing... or why not come and listen about this wonderful thing. Just drop me a comment or drop me your contact number.