February 20th, 2008 by shoppingmum
Do you like shopping? I don’t think I can live without shopping. I will be very moody if I can see but cannot buy. That’s why I sneak out some time to get myself something new and I feel so happy about the purchase. If possible, I will just use the cash but it’s not so safe to leave the house with your wallet loaded with cash. That’s why credit cards are pretty handy for shopaholic.
I don’t have any Best Cash Back Credit Cards unless I redeem my points for cash rebates. But I wonder if there is a card that gives more cash rebates based on the same redemption points? I have’t applied for any credit cards for many years as I only stick to my old cards. Frankly, I’m so lost about credit cards now.
Maybe it’s my fault too because I don’t like to listen to all those telemarketers trying to coax me into getting another card. I hate to answer their calls!
February 6th, 2008 by shoppingmum
My kids have some gold necklaces but I won’t let them wear any now. Some of my friends will let their children put on gold jewelry during Chinese New Year, but I’m worried about their safety since the world is definitely not a safer place now.
I would rather keep the gold for them or buy some as investment under their names. It’s like a long term investment and if they want to sell it off when they are old enough, the money will be theirs. SIL’s mother gave her gal a gold bullion as birthday present, so maybe it’s a good idea to do the same for my kids too. I will just buy and keep for them, and hopefully the price will keep on growing and increasing!
But before that, let’s hope that hubby can make more money for buying gold!
February 2nd, 2008 by shoppingmum
I kept hearing that the regression is getting worse this year. It’s like not every family is spending a lot for Chinese New Year, as comparing to previous years. But funnily, to those that belong to the “upper” group, they are still spending like crazy. Yesterday, I met a lady who’s chasing all those LV, Gucci, Coach and various designer bags like she’s buying grocery in the market. I think the money she used to buy 6 designer bags are enough to feed a poor family for a year. Don’t you agree?
Some families are having difficulties in meeting the ends and might even need to get personal loan to get things through. So, it’s to irony seeing how people spend their money. I can’t say that I’m doing well earning from blogging, but I feel that I’m blessed most of the time. At least I don’t have to worry about simple things like paying for the bills. Seriously, maybe I shouldn’t spend so much on shopping when I move to Bangkok. I can’t speak their language nor do I know how to get around in a car, how am I going to shop?
So, if I can do this, I will be very amazed with myself. Maybe I won’t call myself Shoppingmum by then. LOL!
January 7th, 2008 by shoppingmum
My friend said the gas price might be increased again, so it’s best to keep full tank of petrol all the time. I seldom be bothered by the price because hubby takes care of the cars most of the time, but if there is a way of saving up on paying for the gas, I don’t mind trying.
Maybe I should consider one of those Gas Rebate Credit Cards. If I’m not mistaken, Citibank has one to offer as I came across the brochure some time ago. If not, just check out creditcardsearchengine.com if there are other options. Getting rebate on gas sounds like a good idea.
December 14th, 2007 by shoppingmum
Hubby told me that most people in Cambodia might be poor, but the rich are very wealthy. They have no problem paying the rental in USD and most of their goods are imported too. Like most countries, no matter how bad the economy, the rich people are hardly affected.
Maybe they already have a solid base of financial status in business and investment in gold, shares and etc, that’s why their money will keep on growing no matter what. The money invested in gold will be very promising and even my brother’s MIL gave Lizzy a gold bullion for her birthday. The value of gold is quite high now, and if you bought the gold at lower price, you can make some money if you sell it off.
So, if I want to be rich, I better learn how more about investment huh?
December 12th, 2007 by shoppingmum
Hubby is trying his best to provide a better future for us, so we might have a lot of changes next year, but nothing is confirmed yet. He hopes to diversify his business and get into investment since FIL does very well in his this year. But since both of us are inexperienced about this, I wonder if we should get some help from those investment institution?
Firms like Boston Investment Banking provides financial advisory services and they can also provide insights on capital outsourcing. But it’s still a risky move, so I hope that hubby will think carefully before putting his money in any investment plans. Even if we can get loans for it, I still prefer to play safe on investment.
December 4th, 2007 by shoppingmum
I can be a big spender if I don’t control myself. My kids changed my spending habit because I know their needs come first. If I keep spending everything on myself, one day I will end up in financial debt and bad credit if I can’t repay my debts. I know that there are Bad Credit Credit Cards available in the market. I am using credit cards too, and I can’t imagine not bring them along when I’m out.
However, it’s more about debt management and spending habit, no matter how many credit cards you have. As long as I know what am I spending on, I am still in control.
December 4th, 2007 by shoppingmum
It’s the year end sales and my mum asked me to grab some new clothes for my kids as preparing for Chinese New Year. I may get some first, then buy again when it’s nearer to Chinese New Year. Besides that, I have to shop for myself and hubby too, so more money will be spent these few months.
I better set up a budget again so that I won’t overspend. Of course, money can be easily borrowed from online payday advance if you ever need it urgently, but it’s still a debt. In my opinion, I will only get a loan if it’s for emergency or we really can’t solve our financial problem. But if it’s just for shopping, getting a loan is not necessary at all.
November 20th, 2007 by shoppingmum
MIL and FIL are going to Bangkok for a while. I have no idea how long will they be there, but I will have to settle my kids’ meals 3 times a day without MIL’s cooking. 
Part of the reason why I like staying with my in-laws is I don’t have to worry about food 5 days in a week. It’s only the weekend that I need to prepare on my own or we will eat out. The house is quite big, so even if we are staying together, we hardly see and talk to everyone sometimes. Weird huh?
Besides, how long can we save up to get a big house like this that the kids can run and play around in the garden? It’s not easy. Even if we can get one, I think we might ended up with refinancing later on! Hubby’s in business line, I cannot guarantee that he’s working well all the time. That’s why I dare not get a house. The business world is unpredictable. Maybe I’m just very skeptical when it comes to loans. But if you are staying in Oregon, you can get Oregon mortgage refinance, if you need the money. However, the Oregon mortgage refinance loan is only a temporary relief, and you will still have to repay it later.
That’s why I prefer not to get a house yet. If not, I might have to go back to work and help out in repaying the housing loan if we insist on getting a big house!
October 17th, 2007 by shoppingmum
I’ve just upgraded my health insurance because I have no idea what to do with the money. I really don’t need that much and besides the insurance and some of my shopping, I don’t have to pay for Car insurance or installment because I don’t own a car! I just happened to have a car for me, just like most women I know. We are really lucky huh?
Being able to push the financial responsibility away to hubby is a great thing, but we haven’t gone into paying anything big yet. However, once we move out, we will have to pay for the house, the Home insurance, some of the household expenses and others, we would view money differently then.
Thus, that time we will be more careful when it comes to spending every penny and we might even compare car insurance if we are getting another one. But I think I will just issue the car under the company’s name. Then, none of us will have to pay for it. Mmm…maybe I should do the same for the house too?
So, I’ve been blogging lesser for money now. Just make enough for my parents, savings, kids, shopping, and nothing else. I really don’t need that much.
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