My Car Is Mine

Like I said before, I have made the “final” payment for my car a little over a week ago and finally received the Certificate of Title :) So now I really, literally own “my” beautiful Scion tC.

Two good things I want to reiterate by doing this:
– I’m automatically “making” 6.15% return after tax
– The joy and happy feeling of having one less loan account to look at

So if you have outstanding loan/debt, you can get the same things by paying them off. Start with the one with the highest interest rate.

Yet another tragedy…

Humans are such silly creatures and can’t seem to stop from killing each other in a rapid pace…

Not only there are wars going on, we’re also shooting each other to death… as gunman kills 32 at university.

Einstein is right… Two things are infinite: the universe and human stupidity; and I’m not sure about the universe. It’s saddening to see people lose themselves, give up on rationalization, and deprive himself and others for a chance.

The Big 24

I would like to thank all the friends and family who reminded me of getting old… I mean, for wishing me happy birthday today. I got a very unexpected call from an old friend too, it’s great!

I was asked somewhere along if it feels any different to be a year older… not really :P It is not like I can, or anyone for this matter. How can anyone possibly change and metamorphose himself within a day?? There’s even a saying that goes like this, “it is easier to move a mountain than changing yourself (personality)”.

Relating this to personal development and personal finance, that is exactly why we should not wait for these “special days” to set our goals, like birthday, new year day (aka. new year resolution), or even more generic like “summer”. We have to start as soon as we can and make it a continuous process just because sheer difficulties involved, that we have to learn new habits.

For me, I am aware and have been rolling in actions and the only difference of turning 24 is none but persist and continue to learn. We have to remember that we may not have tomorrow. If we want to start something, it needs to be start now. One we got started we cannot cease to push ourselves. Do not give up for even if we may not reach our goal, we are moving forward, which is why we must aim high. As I like to quote, “tomorrow’s myself” needs to be better than “today’s myself”.

Our Ultimate Goal – Happiness

We talk about personal development (PD). We talk about personal finance (PF). Bunch more people talk about both topics out there. In our journey to both of these paths, I’d like to lay down the ultimate goal that is not to be overlooked and ever forgotten.

That ultimate goal is happiness.

The reason I feel it is important to remind ourselves is that sometimes I see people lose themselves in their zealous attempt to be successful in either or both of the PD and PF paths.

I have a friend who is very much into health/fitness, and she consistently go to the gym 3/4 times a week. However, there are times I feel that she’s too tired from work or sick to go, and she will force herself to go. I understand it’s a very positive thing that she has that drives. I also go to gym and exercise (play basketball) consistently myself and force myself alike, but I’d like to point out that we need to be careful not to push ourselves to the point of burning out and get hurt in the end. As long as we’re keeping up with the routines frequently, it is OK to take a break if we feel we should.

On the financial side, I am reminding myself of the ultimate goal to keep myself from becoming cheap vs. frugal…haha. We have to understand that we have to save for the future but at the same time, we may not live to see tomorrow, and hence, it is OK to spend money on things that will make ourselves happy. Just remember to spend under your means.

One last thing I’d like to point out, especially being in the Silicon Valley Bay Area, that people get so focused into their work that they forget to take care of themselves. Yes, our career is important. Yes, we need to work hard to become successful. However, we cannot forget to do things that will make us happy. Gym/Exercise is important because health is important and we will not be happy if we’re sick. Having hobbies is important because work may not be always enjoyable and hobbies will give us something to look forward to.

We don’t live to go to gym or to exercise. We do those because they give us health, make us look better :), or are hobbies that we enjoy. So in turn, they’ll make us happy.

We don’t live to save money. Wealth lets us buy things we like, buy convenience in lifestyle, take trips to places we’d like to see, etc. In other words, it lets us live a better life, and we save for retirement because we also want to live a better life later, but it’s important to remember the present.

Remember to do things you like and make your happy. Happiness for ourselves and people around us is the ultimate goal.

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