Live within your means

Robert and Sally are sending off their children to Singapore for high school education.  They just finished their primary schools last year.

The combined income of both Robert and Sally are around RM4,500.  The company gives them an apartment to stay.  Their commitments are a new piano and Myvi, around RM1,000.  As long as they maintain simple lifestyle, their household income should be sufficient for the family.

However Sally seems to give a lot of priorities to their children by minimizing their own spending.  She sends them for piano and dancing sessions, she wants them to get the best eduction she knows off.  By sending the children away, Sally does not think of their higher eduction as she has no plan to save for them.  Sally is spending almost every dollar on their high school education.

What if either Robert and Sally cannot work as they are now, the whole family will be in financial difficulty.  Their children need to come back.

Like many others, Robert and Sally do not plan ahead.  When you are not planning ahead, you are indeed planting a time bomb.  It seems as though they are planning the best for your children, they are in fact ignorant financial planning.

Lazy

Menopause?  Nap very frequently these two years.  After sending off children to school, I normally make sure all the clothes are done  before breakfast, then follow by a shower.  The shower always make me feel so drain out that I quickly jump to my bed for half an hour nap.  Lunch also make me doze off.  A quick nap will allow me to work through the afternoon.  In the evening before 11pm, my eyes are so tired that I fall asleep very fast.

I don't know why I need so much sleep now.  People used to say that you can't sleep much as you grow older.  But I seem to be just the opposite.  My friend said I may be going through menopause but checking the websites tell me that you can't sleep well during menopause.

Never mind, this is my physical changes in my body.  Just tune to my psychology clock.