Yay! You did it! Finally, you are able to do and hold onto the job that gives you a regular and stable income. So what is next? The answer is ‘save up your emergency fund’. Why? Because you don’t want to run out of money in unexpected circumstances, otherwise you need to go back and start at Tier 1 _________ again!! Google “emergency fund”, and you will find heaps of advice on how much is enough, and there are also ’emergency fund calculators’ to help you! Only after you have saved your emergency fund, then I say you are ready to do more. What is it that you want to do? Give money to your parents, save the world, donate, buy branded clothes, enrol for more study courses, save everything, splurge everything? You decide! It is your money, so do what makes you happy! Live your life the way you want to! Being single has its merits! 💃
好极了！你做到了！你有一份固定的工作和稳定的收入。那么接下来呢？答案是准备你的‘紧急基金’。为什么？因为你不想在意外情况下耗尽资金，否则你要从第一层开始_________！ 😱 谷歌搜索 ‘紧急基金’，你会看到有很多关于 ‘紧急基金’的建议，还有‘紧急基金计算器’来帮助你呢！ 棒极了！ 只有你存足够的‘紧急基金’ 之后， 我才说你已经做好了准备， 可以攀更高的山。你想要做什么？给你的父母钱，拯救世界，捐赠，购买昂贵品牌服装，报名参加学习课程，拯救一切，挥霍一切？你决定！这是你的钱，所以做让你快乐的事！以你想要的方式过你的生活！单身就是有这种好处！ 🙌
My husband is a 100% saver. He does not buy anything, and he can eat anything anywhere. So lucky, right? He has a tough and rough body constitution! But because he had been through really hard times, and both his parents had not been working for a long time (his mum was a full-time housewife), he believed strongly in savings! His motto in life: Cash is KING!!! 💵💵💵💰💰💰💶💶💶💷💷💷💰💰💰
What about me? LOL! 😂 You may find it hard to believe, so you can ‘double confirm’ with my husband when you see him. I kid you not! I used up all my money (and alot of his money) to eat in restaurants, and I took taxis to and from work whenever I could spare the money. Because I grew up pampered in a wealthy household, I find that eating in food courts and taking public buses was extreme hardship for me!
Squeezing with the mass crowd is not my idea of fun. So I did not save a penny in those days! 😅 But this is what I’m trying to tell you in this blog! It is your life, you decide what it is that you need to do to go on! 🔛 My husband got his energy 💪 from watching his bank balance grow, but it is just ‘unfortunate’ 🤔🤔🤔 (hmmm…, really? read _______) that I had to live a higher standard of living just to get by! If he had forced me to save all my money, we would have quarrelled non-stop and ended in divorce, or I would have ‘died’ doing my office job then!!! I couldn’t possibly have gone on!!! But hey, we made it here anyway – hooray!!! 🙌How my husband and I made it to today is really because of the power of good Feng Shui! That’s why I am a true believer of Feng Shui. Look at what my husband and myself have done, the list of accomplishments which I have stated down in _______.
Does Feng Shui work? Yes, it does! Ordinary people can make it work too! Make Feng Shui work!
我的先生是百份百完全相信储蓄概念的人！ 对他来说，现金比黄金更增贵。 可能因为我们年青时经历过很艰难的日子，再加上他的父母已经长时间没有工作（他的妈妈是全职家庭主妇），他更坚信储蓄！ 他还要养老人家耶！ 👴👵😅 他很少买东西， 就算要买，他也选最便宜的。 他是一个可以在任何地方吃餐的人， 只要可以填饱肚子， 喝一口水，他就🆗。很幸运，对吧？他行啦， 应为他有强壮的身体体质！
那我呢？😂 我都不敢说叻。。。 哈哈哈！ 😂你可能很难相信。。。不如你看到我先生时，你和他‘确认一下’。我没有骗你！ 🤐 我那时赚的钱，数目少到可怜，不过我还是没有意愿剩半分钱，我的钱，我都花光！！！赚多少， 我就花多少！！！ 💸💸💸💸💸💸💸💸💸💸💸💸💸💸💸💸💸 连我先生的钱， 我也花很多！！！ 💸💸💸💸💸💸💸💸💸💸💸💸💸💸💸 我选择在餐馆用餐， 而且只要有‘多余’的钱时， 我一定选择乘坐出租车上下班。因为我生长在一个富裕的家庭， 我小时候是享受长大的，所以我在食阁吃饭， 搭公车， 人挤人，我不行！ 对我来说是极度的困难！
这在博客——————告诉过你， 这是你的人身，你决定你需要什么种条件才可以生存下去！ 我的先生看他的银行余额增长， 他会获得了精力， 但很’不幸’（嗯……，真的？请读_______），我必须过更高标准的生活方式， 我才能活下去！ 就算给我看到我的银行余额增长， 我也无动于衷。 应为那不是我的菜，不是我的精力原！ 如果当时，我先生强迫我省钱，我们肯定会不停争吵，也可能会离婚，或我可能会‘死’在办公室。 我不可能继续走下去！ 🤕
但是，读者们， 你们看，我们无论如何都走到这里了！ 万岁！！！万岁！！！ 我先生和我如何做到完完全全是因为好风水的力量！ 👏👏👏 我是风水的真正信徒。我相信风水！看看我先生和我的成就 （_______列出），亲爱的读者们， 我肯定你们也会认同。
风水有效吗？当然有！让好风水实现！ 普通人也可以做到！
I told you in ____ that a couple should not have kids until they are financially stable. It is really better to have some money first before baby 👶. So for this group of people – sorry – but I still recommend that you save everything for your family and kids. Because you have dependents, you must be responsible for them! But what I suggest, once you are both stable in your jobs, is that you heed my advice in ______. In that blog, I adviced you to talk to Experts on property matters, investment matters etc etc. Trust me, you will benefit greatly from knowing financial instruments and the financial system. Don’t be like my husband and myself! We did not think we would ever have ‘so much money’ that we needed financial advice. To us, we thought we had to be multi-billionaires to be considered ‘rich enough’ to be needing financial advice! So we made financial mistakes one after another, because we simply did not make the effort to find out about, and we did not keep track of what retail investment products there are in the market, what the retail property laws were, and such. We were so busy and focused on doing our work well, so we only kept abreast of corporate laws and matters relating to our companies. 😅 LOL! Really a joker couple us! 💸
我在____劝说一对夫妇在经济稳定之前不应该生孩子。 为什么？ 应为宝宝、 幼儿、 小孩子、 青少年、 未满成年人不是你可以撇在一旁的‘东西’。 你在法律上，你在道德上，你有责任照顾他们！ 所以对于这一群做父母的人 – 我想说声“对不起” – 但我仍然坚信你和你的配偶还是要为你自己和你们的孩子累计一定的积蓄。 因为孩子是你们的家属，你要对他们负责！但是，我建议一旦你们夫妇俩的工作稳定后，你聆听我的意见——————。在那个博客中，我建议你们约财务或投资顾问， 听听这些专家的投资推荐。相信我，你会从中了解市场上有哪些金融工具和金融体系。 当然，我不是叫你马上投资。反而，我劝你把积蓄收为现金。在这方面，我同意我先生的想法（看上段）。你有孩子，还是身边有现金比较实际。 不过，你还是要同时增加理财方面的知识，跟这些投资专家交谈，你们会获益不浅。还记得我先生和我开始‘发达’那几年。。。我们从来没有想过‘我们有这么多钱‘到我们需要财务劝告和专家建议。 我们以为只有百万、 亿万富翁才需要财务和投资建议！ 所以， 我们犯了很多理财的错误。 不是应为我们笨， 而是因为我们没有做足我们的功课。 我们没有查明市场上的零售投资产品， 也没有咨询相关法律等等。 我们俩非常忙碌， 我先生只专注做好他的工作，所以他只跟上公司法律和与公司有关的事务与发展。 好笑吧！ 我们这对乌龙夫妻！ 👨👩💲💸
