JonesLiew.com

OH MY GOD!!!! IS BEEN MORE THAN 1 MONTH SINCE I ENTERED MY LAST POST…..

Gesh…..for the past month(May), I’m not really sure where had I been busy with. Ha!! guess mostly is related to work.

It had been really busy for the past few weeks and most of the time, I had been busy with work. Hence there’s really nothing interesting that is going on or exciting enough for me to post in my blog.

Well, then again, the month of May is not just about work, I did have a few gatherings and outings with my friends and family, however, is not really worth mentioning. Nevertheless, it had been a fruitful month for me, at least I still get managed to continue to clear my debt.

Ha, once again, it was a happy event when I was keying the amount to be transfer to my lender’s account. The feeling of able to return the money on a consistent and discipline just make my day.

With my goal of clearing my 1o over thousands dollars by 1st Oct is just 4 months away. It’s really starting to be a stretch for me. However at the same time, I also understand that the day where I’m debt free is also just 4 months away!! Ha, as long as I keep doing what I doing for the past 8 months, I’m sure that I can achieve my goal on children’s day.

With the latest fund transfer my debt is down to just under $4k, which means for the next 4 months, by hook or by crook, I will need to repay at least $1000 per month. Phew!! To be honest, if my current income, it is really a stretch but at the same time, I’m also excited and eager to know how I can manage to achieve this feed.

So people (if there is still someone reading my blog) ,do wish me all the best man!!! 

 (Total Amount Left to Clear: S$3900)

Time really flies!!! A few more days, the month of April will be gone. Gesh, and that means a third of the year will be gone as well.

Time really wait for no man, it just goes on and on and on…. Haiz…

Anyway for the last 2 weeks, it had been a busy tiring but yet rewarding and meaningful week for me. As stated in my previous post, I was involved in a Residential Program with APS for the past 2 weeks, the program was about letting the student getting used to living in a community setting, getting used to a fixed routine and structure, getting used to discipline, doing things that they normally don’t like to do. 

We also train them to get used to wait for friends for meals and activities, getting them used to thinking and caring for others and not on one self only. Getting used to think before they act and do the right thing at the right time and at the right place. We also taught them to be brave and to get them used to being  responsible for their action despite the outcome.

Well, I guessed that there’s many other learning they will pick up along the way, as for me, I think the key learning was a reminder for me to be at ease with my current situation, accept where am I today was all because of my own action. It also let me realised that nowadays, I pretty used to the routine (in terms of financial management) that I having now. Getting used to the discipline of clearing my debt and at the same time still live the way i want, buy the things I want and at the same time planning for my future.

However don’t get me wrong, at ease with my situation doesn’t means that I’m in my comfort zone and happy with my situation to the point that I not doing anything more. I am clear that eventhough I getting used to the routine of saving, repaying and buying, I’m still far away from my ideal living lifestyles, like there are still things that I want to buy, food that I want to eat, places I want to go.  My bank statement is still in the low low end and my own net worth is also super low, so there are how work for me to do and more roads for me to travel in order to get me to where I want.

Well, despite all the low net worth and stuff, there is one area that is getting lower and lower too and of course, that is the amount of my debt. With this post, I am so happy to declare that I had cleared a fair of my debt and the amount left had just dropped past the $5k mark. Well done, Jones!! I guess I really need to give myself a pat on the shoulder, ha!!  

 (Total Amount Left to Clear: S$4900)

Alright baby!! another S$500 down, S$6900 more to go. Yes, once again is time for me to repay my debt and yet again is a happy time to “spend” money, and in fact this 2 months of 2009, I had  been really spending and I’m totally happy with it. Ha ha ha!

For those who didn’t know, I had just came back from holiday!! For the past 6 days, I was with my parents and my eldest sis, the 4 of us took time off to visit Hong Kong and Macau. It was a great family bonding trip, although the family is not in full force, but still it was a trip well-spent. Hopefully, I can find time in the next few days to share my trip in this website.

Anyway back to the main topic, Yes, despite the Chinese  new year period and the Hong Kong and Macau holiday, I was still able to find the money to repay my debt. To make things even more interesting, My family went for a family photo shoot that cost me a bomb during the period and yet I still able to find the money to repay my debt. (P.S. I’m not a rich guy and remember the title of my post, I’m still in debts hahaha )

A lot of people are wondering how I did it, given my limited income, and some people are also questioning about my recently expenditure as they are well aware of my financial situation and my answer to them are three words, and they are PLANNING, TRUSTING and DISCIPLINE.  So just allow me to share with you why this 3 words had given me the money to pay for new year clothes, new year gathering, a family photo shoot and a holiday and yet still able to clear my debt. (p.s is just a sharing, all i know that the stuff i going to share had been working for me, ha) 

Firstly of course, I need a source of income, in my case, it comes from my full-time job. so with the salary coming every month, you first need to plan how to use it.

PLANNING->You need to plan what you need to do with the money, how much goes to saving, how much goes to returning of debt, how much goes to your daily/monthly expenses etc. You just got to know, no need to go down to the last single cents, all you need first an estimated figure so that you know where your money is going.

Secondly, TRUSTING-> for my case, is the trust that you can give others and gaining for yourself, I’m luckily enough to have friends to trust me that I will return the money to them, even when they know I have the spare cash to return them. Trusting myself, trusting my own plan and goals that my plan will work out. Allowing people around me and myself to trust that I will stick to my plan and my plan will lead me to a better situation than now. YOU just need to trust.

Lastly, DISCIPLINE, have the discipline to stick to my plans, have the discipline to say “YES” and “NO”, have the discipline to ensure that I will create actions that bring me nearer to my goal. YOU Just got to be Discipline.

Yup, that’s all and of course there are others value and factor that contribute to my life in the past few months, but having the above 3 in place, I’m sure it will aid me in one way or another.

So, even you don’t understand what am i writing about or you disagree with what I had mentioned, it really doesn’t affect me. and that because,  all I know the 3 words will yet again bring me to another holiday which will be TAIWAN in a week time and yet at the same time, I can still repay my debt.

(Total Amount Left to Clear: S$6900)

Hmmm oh oh, only 5 posts and I have had broken my commitment that I had made in my first post. Thanks to my friend, Siew Cheng’s reminder, I realised that I had totally forget about my 2 post per week commitment to this website.

So when I went to review what I wrote on my first post and I found out that, in deed I really did mentioned that I will post at least 2 post per week… and based on results.. I failed!! I didn’t post at least 2 post per week… I’m one posting short!!!

Gesh, I’m not going to make any excuse for it. All i know is I didn’t keep my words to it. Then again, I will also not going to beat myself hard for it….as I’m clear that I really didn’t meant to break it and the 2 posts per week really just skipped off my mind. In fact, this episode actually let me learn and see how fragile an agreement or a commitment can be…..Well… it really just shows that how commitment and agreement can be broken so easily. 

Really and I swear I’m really committed to writing in this post and I really totally forget about the “at least 2 post per week” thingy.

Granted I was busy with work for the past weeks, granted I was tired but that make no excuses for not writing the 2 posts. A commitment is a commitment.

I’m a bit disappointed with myself but at the same time I’m glad that this “forget to write a 2 posts” thingy actually make me learn something too. 

For one is that, once you put your mind and energy away from a commitment that was made, the next thing you know is that you will break your commitment. It is just so easy.

Secondly, it make me realises the importance of being focus and discipline, as once you are not focus and discipline enough to do the things you plan to do, other issues and stuffs will just start creep in and take up your time. Again it is just so easy for all this to happen.

ha.. so were there times like this for you too?, like when you promise or make a commitment to do something but end up you spend your time on other things and in the end nothing was done??

Does it sounds familiar to you. If it is a yes, then maybe, at that point of time, you are not just as focus or discipline as you should be.

Of course, when it comes to breaking a commitment, there can be many other factors too. But as for now at this instance, what is real for me is, the lack of focus, discipline and the easily distracted mind and energy can really take you further away from the things and goals that you are commitment to.

So people, it is time to take note and be aware of that man!!!

This is really going to be a joke to many. I had mentioned to others that I will start writing my blog and make full use of my www.jonesliew.com since August 2008 and till now.. my blog is still so empty.

Infact, I had have my name to this site for the past 2 years and yet nothing much is done.

I have been giving excuses that,” I don’t know how to start”, “don’t know what to write”, or “I still can’t find the correct theme that I want”…. man.. I really feel ashamed of myself. To think that I actualy encouaged my friend to write his own blog in past and now, he already had 15 posts!! and I have none!! Ergh!!

Talk about inspiring others but yet struggling by myself. This is all Bullshit man, Bullshit!

“Enough is Enough! Jones!” Time to walk the talk and and it will starts from today.

Once again, it might sounds “NATO” —-> (No Action, Talk Only)from me, but frankly I really dun care now. I’m not going to care what people going to say, all I know now that the state I’m in now is not what I want.. and I want to change it…..

To be honest, I know the answer or how to change my mental state, I know alot, is just that I afraid to commit to it or I just refuse to do something, dun ask me why? but for now.. the only thing I know is I don’t like it at all… and for sure that there are certain values of excellence is definetly not in me and I want to change that.

Two of the many values in achieveing excellence that I am strongly weak in is ” DISCIPLINE and COMMITMENT”.

Take my blog for an example, 2 years on, nothing, nothing is done.

Reasons?? I don’t have the discipline to blog and i don’t have the commitment to blog, is as simple as that.

And, where else, does the lack of commitment and discipline show up in my life??? The Answer?? Everywhere!!

Is time to take my life serious… the past few weeks, i have been talking to too many people… the message they send me is that “I have all the potential to be great but what the F@#K am I waiting for?”  

Enough already, really but I not going to rush things… for Now, I will work on the values on “Commitment and Discipline”

This first Commitment and Discipline I going make?? You guess it, it will be my commitment and discipline to blog on this website. I will commit to at least 2 posts per week and I will have the discipline to do so.

I remember my friend, Dennet, says this to me ” DISCIPLINE equals FREEDOM”.  and today I feel free once again!!