Time to begin saving and investing

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I have indulged in the online business arena since 2006.

I have tasted making money online since 2007.

I have spent those money ever since.

Now 2010 emerged.

I believe it’s time for me to save and invest some of the cash I earned from the net.

So, the plan is use all the money I earned from adsense for groceries and family… and save most of the money I get paid via paypal. A small portion of the money in paypal will be used for paying my domains, hostings and miscellaneous services.  The money that I saved will be transferred to my Public Bank account and then invested in Public Mutual Unit trust.

I have made a spreadsheet planning in excell to forecast my income in the next 10 to 20 years. I have targeted a number for 2010 to be saved. Thank God I have surpassed that figure. Now, I’m planning to quadruple it.

Yep… one at a time…

How about you?

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6 Responses

  1. azwan says:

    If you hv extra money, go and get microsoft money or quicken. It makes personal finance easy, however since you can’t connect it online with malaysian banks, so kena enter bank transaction manually and some of the functions tak boleh fully utilized, but it’s still a powerful software.

    or get other free version at download.com

  2. cyza says:

    Oh thanks for the tip my friend. Maybe i’ll check out the free version first… 🙂

  3. adamfaiz says:

    I wanna start saving for my children’s education and spare some for family takaful..at least that’s what I’m trying to do, as everything is so expensive nowadays..

  4. cyza says:

    Oh… I though you have started that.

    We have started saving for my children since they were born.
    We also have allocated some money for their insurance as well.

    We allocated some for Tabung Haji…

    Now…what I mentioned in this entry is the saving and investment from my online income. I can spare some for investment…so this is completely a new account and I hope it can grow and reach 6 figures soon… hmmm…maybe not soon…in 5 to 7 years…hopefully… only from online…

  5. boss says:

    yes time to plan ahead, keep learning, keep reading, say no to laziness.. you will succeed ! keep up!

  6. cyza says:


    Thanks a lot for your positive encouragement. By they way, when can we meet up? haha

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