Thursday, November 26, 2020

Accidental Retiree

I have not been writing for quite a while now. When it comes to writing without inspiration...It won't work for me! Its been a year now without a job. I have been surviving with my savings solely until now. I was considered lucky since I have enough funds for this kind of situation. I started working at the very young age of 19 years old. Work hard and save diligently since young really helps me.

Since young time, I was working from one job to another job. I consider myself a job hopper at a young age. To me, more salary is an important factor for my surviving in this big city alone without any support from anyone. Hailed from a small town. I started my life here by renting and sharing a room with others. Remember sleeping on a thin mattress which my roommate gave me since I only move in with my one small bag. No other belongings since I don't really have anything with me. Minibus and walking was my daily transportation in those days.

There was time, where I survive with only one instant noodles for a day and not much food to eat too. I don't earn much but my priority is my rents, savings and also 40 per cent of my salary goes to my parent to help them since I still have 2  sisters who are still studying.

I don't even remember what other things I did on my 20s except for working and struggling to make end needs. I consider myself quite stable when in my late 30s. Studying part-time in the evening and working during the day time. No such thing as social life for me. it's all about work and study. That is why I end up with no circle of close friends around me. I decided to reward myself with some travel when I was in the late 30s. The happiest treat ever and looking forward to it every year.

Now that in my late 40s, my last employer decided to make my position redundant since the market, I was looking after was relatively shrunk. Here I end up with a life with no job. I was glad that, I don't fall that hard. Being alone with no job is not that bad after all.  I have given up on my job search by now.  Age is my biggest flop for the position I am looking for. I don't even want to waste my time. Starting a business is not even an option since my entrepreneurial skill super bad. Can't afford to expose me to any risk right now. As for now, I just treat myself as a young retiree. Enjoy my daily life and try to experience new things which I don't get to enjoy when I was busy working.

How I can afford to live as a retiree at this young age? I just listed this at random order.

1. Buy Insurance  - I started my first life and medical insurance when I was in my early 20s. I never failed to pay the instalment to date. Medical insurance is especially important. Get the most basic according to your budget. do not over commit. Even if your company provide insurance, please get one and pay on your own. At least this is your back up if you suddenly no longer working.

2. Save at least 30% of your salary in the unit trust fund - Make sure to save it in the trusted and reputable unit trust that can give you yearly dividends. I wish can go into share market but I can't. I will end up insomnia or panic attack. I am a very conservative type to invest in such a volatile market.

3. Emergency funds - I remember my ex-boss used to give me a lecture about how important it is to save up at least 1 or 2 years worth of salary just in case end up in a jobless situation. I used to think, he was bragging a lot when I listened to him. I am being me. I diligently put aside some cash with thoughts of losing a job and not able to find a job for a long time. His bragging started to make sense when I reached mid 30 years old. 

4. Don't buy a fancy car - To me, the car is just a transportation and convenient. I rather buy a small and less maintenance car. No such thing as showing off sort of purchase. Buy a car when you can commit to instalment and maintenance cost.

5. Buy a small and affordable house - House is just a shelter for you. Don't need a bigger or fancy house. Just a place for you to come back to rest and have ownership to it. Don't bother if your colleague or friends tease you of living at the outskirts or whatever. At the end of the day is your own money and life. They won't top up your shortage, anyway!\Only buy when you feel, can afford the instalment plan and maintenance fees.

6. Pay your parent - I committed myself to pay my parent without failed when I started working. At least 40 per cent of my salary goes to them until I lost my job recently.  I stop giving them an allowance. My 2 sisters turn to support both of them.

7. Control your expenses - I don't go for a branded item. I only start using a smartphone when I was in the late 30s. I don't go for Starbucks or the coffee bean until I was the late 30s. Channel, Gucci, Sephora or what so ever brand such thing! I don't use SK11 or Clarins like other women. I don't even dream for those brand. To me, all those branded items are beyond my reach.

Many things to list down. To me, how I live right now was my personal sacrifice and hard work ever since I started being independent of my parent. They were also struggling to make end needs. I need to help them as soon as I have the capability. 

I only travel extensively when I was in the late 30s due to work and also some travel funds that I have been savings. I don't travel abroad to show off on social media. I travel for my own personal treats of my hard work. If I don't have an extra fund to travel, I just stay home. As simple as that. Your money your own responsibility.

Everything, I own now is the basic needs for a moderate and comfortable life. As long as I am not greedy and have a more materialistic desire in life, everything will be just nice for me even if God still doesn't call me 20 or 30 years later.

I fill my time trying out something I always want to try like doing some online studies (as long as it free), fermenting my own Kombucha, Kefir water, baking some bread, painting, reading and watching my favourite dramas. 

I hardly step out from home unless invited to any event but no such thing with this situation, I only drive out if there are some orders for my small (for fun) shopee to be fulfilled. The earning from that small business is more for my retail therapy funds. My savings are not for shopping. isk isk isk..that is why I wish to start working again.

I end up in hiatus situation by force. I am still trying to accept my destiny in life. For now, I will continue living my life positively. I continue to pray for a good new year start in the year 2021. I really feel sad about my talent to be wasted at this age. I only see myself to retire at the age of 56 years old. I still want to continue working.

You may be thinking that I can do all this because I am not married. I am single and responsible to myself with no backup or someone to rely on.  Ladies! married life is a choice you made for your life. At least you have children and husband to rely on. I don't have anyone. That's the sacrifice and choice I made to live my life. You should marry someone who able to pay you if money is your issue. If your husband unable to pay you, means your man are not even ready to marry and start a family. Don't live your life as a slave to your family. If you are struggling while being married means you need to think back on whether you made the right choice. Did you marry the right person? This sounds harsh but this is the reality! We only have only one chance to live this life. So live life for your self too. Not for others. You deserve to live your life happily. You deserve to live your life a YOU. Not as a WIFE. Not as a MOTHER to someone.

No hard feeling here. Those married people always think single people have no commitment and are living a blast life. You shouldn't think that way. We, single people, have commitment and responsibility. Worst is ....single people have no backup and someone to fall back if there is anything happen to them. Don't judge each other. All of us are responsible to live with our own choice of life. If you think your way is wrong, rectify it.

Monday, November 23, 2020

Three Ingredients Bagel in Air Fryer


I was craving for morning bagel breakfast for quite sometimes. There is no bakery or cafe sells bagel near my house area. I couldn't drive too far from home during this Restriction Movement Control Oder which only will last until 31st Dec 2020. Hopefully, it lasts by then and no more extension. I bet most of us pray for the freedom again, right?

It was 12 midnight and I still unable to sleep. These days, I have difficulty to fall asleep. Perhaps due to too much computer. I am doing an online study and is chasing after the meet the due date before my course expire. So, most of the time I will be in front of my computer like more than 12 hours a day. But that night, I end up browsing on the easy way to make a bagel. kekekeke

The next morning I tried to make bagel for the first time. The recipe was super simple. Only 3 ingredients and the total time to get a fresh hot bagel is only 15 minutes. Yes! no joke. Only 15 minutes!

How to make bagel in the air fryer with only three ingredients?

Bagel ingredients

The three ingredients - All-purpose flour, Full cream greek yoghurt, baking powder.

Mixing the dough

Pardon me for the no measurement recipe since I am that type who doesn't measure when doing the baking or cooking. Everything just follows my guts feeling. hehehehe

In a bowl mixed all three ingredients until it forms a dough. I used wholemeal bread flour for my bagel. Tips to adjust yoghurt according to your flour amount. Add in more yoghurt if your dough is too dry. Once it becomes a nice non-sticky dough, divide and shape it like a bagel that you usually bought from the store.

Bagel bath

One more tip which I think its important is to boil the unbaked bagel in the hot boiling water for 30 seconds. This will give a nice crispy in the outside, soft and chewy texture in the inside. We called this as bathed the bagel steps.

How to make everything bagel seasoning?

Then its time for topping. I don't have that everything bagel seasoning. So, I created one on my own. In a bowl mixed sesame seeds, salt, garlic powder and onion powder. 

Bagel topping

Just do the egg wash on the bagel then sprinkle the everything bagel seasoning. If you don't want the everything bagel seasoning, you can sprinkle some cinnamon sugar or even some cheddar cheese as a topping.\

Time to bake the bagel

All done! Its time to bake. Since I have the air fryer, so I choose to dump my bagel in the air fryer. Preheated the air fryer for 10 minutes then just place bagel in the air fryer for 10 minutes at 180 degrees.

Ting! Ting! Hot fresh-baked bagel in the morning. I made 2 bagels for only 15 minutes that morning. I am totally proud of myself since it was my first time and I did it well! I feel so carving satisfied that morning.

Thursday, November 19, 2020

You Can Shop Almost Everything at PG Mall Online Shopping Marketplace


I bet by now most of the household in Malaysia has been doing the online shopping either monthly or weekly for the hardcore shoppers. There are a few famous online shopping marketplaces where most Malaysians has been frequented. One of those is our local famous PG Mall, Malaysia No. 1 e-Commerce platform. 

For those who are still new to PG Mall. PG Mall has established in the year 2017. This local online marketplace platform is founded by Public Gold Group Founder and Executive Chairman Dato' Wira Lois Ng Chun Hau. His main intention is to help and promote locally manufactured products to the consumer. 

The recent pandemic has given more advantages to PG Mall and by now it has more than a million customers base and even the number of retailers onboard has been expanding with a wide range of product selection for its increasing customer base.

So, it's not a surprise for PG Mall has won its spot in PG Mall ranked as top 3 e-Commerce site at iPrice insight report

PG Mall has been providing a wide range of payment gateway for online shoppers convenience. The payment method doesn't stop to just conventional online banking but also various types of e-wallets such as GrabPay, TNG and many more to list down.

PG Mall also has its own version of e-wallet call PGMall c-Wallet. You can top-up the amount start with as low as RM10 using the various channel.

You can top up the c Wallet using online banking from the various bank, credit cards, GrabPay, BoostPay, Maybank QRPay, TNG and even MCash. I find PG Mall wide payment method is superb convenient for the shopper.

PG Mall was established to support local entrepreneurs and with that, they launched to support local products starting from July - December 2020 where the online shopper can shop for essentials groceries, kids and baby productss. health and beauty, automotive and sports, electronics appliances and even fashion.

Parallel with the government recent budget announcement on some allocation to boost up the local economy by supporting local  #BarangBaikBarangKita. PG Mall offers coupon code: KBBM20 for an RM20 off with a minimum spend of RM50 and coupon code: KBBM30 for an RM30 off for a minimum spend of RM100. Shop local products at this link Here I listed some of the local PG Mall stores which are worth for you to check out.

Bam & Co. 

For those who are into aromatherapy, Bam & Co is a perfect local store where you can check out various organic essential oil kits waiting for you. I am personally an essential oil fan. I even did my own essential oil blends to suit my own preference. But one needs to know the perfect ratio to make your own essential oil blends to ensure it is safe for the skin. So, if you find it a hassle to blends on your own, Bam & Co has a ready blends essential oil roll-on for you.  Don't forget to use the coupon code mentioned for some savings on your shopping at Bam & Co.

Koperasi Usahawan Groom Big Kedah Berhad

When I was browsing in this store, some items caught my eye which is a joint serum, Bird's Nest serum and green coffee. They have some local food - instant porridge and snacks like Maruku with a reasonable price offer. It's totally a no burn your wallet price. 

Koperasi Perdasama Pulau Pinang Berhad

Missing Penang food? You can check out Koperasi Perdasama Pulau Pinang Berhad for its array of Penang local snacks and items. Everything in a click of a button to be delivered at your doorstep. They are still uploading more products for you to shop  soon.



Hoga stand for Holistic Gaharu. Do you know what is Gaharu? Gaharu or globally known as Agarwood is famous wood used as an incense and perfume. Gaharu or agarwood tea is also good for health benefits. It can help in reducing blood sugar levels, lower blood pressure, improve sleep quality and even be good for the bowel. You can shop gaharu tea here at Hoga.


If you are looking forward to trying out local beauty products, visit My11e_store. Sometimes the local products can be as good as an international brand too. However, please stay safe by choosing the certified quality local brand for your own benefit.

Fresh Food Week Campaign

I recently, purchase local fresh food from an online marketplace. The fresh items reached me on the next day, which I find this convenient. I will continue to purchase my groceries online. PG Mall is having a Fresh Food Week from 19th November until 25th November 2020. Apply coupon code: GROCERWEEK to get RM5 off with a minimum spend of RM50 for a groceries contactless delivery to your doorstep. Good News! Apply Code: KBBM30 and KBBM20 to get an extra discount of RM30 and RM20 off respectively. Make sure to save the date since it's only limited to  2000 redemption only. Check out at PG Mall fresh food delivery here.

AEON Members 25% Off

Those days, I always shop at AEON during the members day. But now RMCO, I tried to stay safe and do most of my shopping online. AEON store at PG Mall is having a members day from 1st November to 31st December 2020. AEON members will enjoy 25% off with a minimum spend of RM30 and it capped RM20 for new users only. This is limited to the first 1000 redemption per month. How to apply for the 25% off AEON promo code?

1. Go to the AEON app obtain your promo code

2. Shop as usual at and proceed to check out by key in the promo code you obtain from the AEON app.

Each person is allowed to use one discount code for each transaction.

You are now able to shop a famous smartphone and tablet brand at PG Mall too. 


I personally a huge Huawei fan. I was so excited that this brand made it in PG Mall. Huawei is having an exclusive promotion for a new user from 5th October to 31st December 2020. Same like AEON , you need to visit Huawei app top obtain a promo code and then key in the code when you shop at PG Mall Huawei store. You can enjoy RM3 off with minimum purchase of RM15 and above.


Other than Huawei, Oppo also is having the same promotion. Same as Huawei, you can visit the Oppo app to obtain a promo code to enjoy RM3 off with a minimum purchase of RM15 and above at PG Mall Oppo store.  It's limited to the first 1000 redemptions.

Are you in the mood for online shopping now?

I am. Visit PG Mall website today and if you haven't registered yet. You can register for free using my PG Mall referral link here.

Thursday, November 12, 2020

Suddenly Out Of Detergent? Get It Delivered to You in 15 minutes


Recently, my online shopping pattern has changed a lot. Those days, I would only shop for my beauty care, clothing and food ordering.  I usually went out for groceries shopping twice a week. But now not anymore. Why? Things change drastically due to frequent CMCO.

There were these incidents which really makes me a bit paranoid to visit the shopping mall or even a small store for groceries replenishment. When govt and social media has been updated with all the social distancing, there are some people who still ignorant about this part. The first incidents happened in the famous big groceries store. I was queuing at the cashier counter when the woman approached me from behind and tapped on my shoulder saying she wants to overtake me since she only bought 2 items while myself has loads of things in the trolley. I was taken aback by her action. I immediately took a few steps back and told her off to keep her distance from me. By the way, this lady doesn't even wear a proper mask. I was lucky the cashier aware of the situation and told the ignorant lady to queue at the express lane instead. But the whole situation was enough to give me a chill to my spine. 

The second incident took place in a small grocers store just about 5 minutes drive from my home. A small store meaning the interior is really compact with rows of items arranged on the shelf. Only one person fits in one lane at one time. I just stop by to get glue for my online store wrappers. Who could have imagined,? When I was queuing to pay for my one tiny glue and one-man pop in out of nowhere. He has a cigarette in his mouth (which obviously no mask on) shoving the money to the shopkeeper for a bottle of coke. Yup! he was obviously cutting all the queue. Yes! the whole shop smells of his cigarettes too. I was officially a second smoker and exposed with all the possible lung cancer. 

This is the kind of harsh world we are living right now. The outside world is not safe for us with this kind of people roaming around. I was exposed to possible health hazardous with one trip to purchase a small glue. Recently, I was more and more careful about making any trip to purchase my groceries. 

I was very excited when FoodPanda launched a pandamart option. Early-stage, pandamart offer only pharmacy care items which doesn't attract me much. But I think the most recent, I checked, it has more partner retailers which even able to offer grocery delivery to the doorstep. There are many selections available such as beverages, dairy and chilled items, fresh produce - eggs, veggies and even fruits, snacks, ice cream, chocolates and sweets, bakery, cooking condiments and cleaning items. 

Currently, they are having a free delivery offer for pandamart. If you suddenly out of detergent or egg or even in the mood of baking but no butter to bake, you can get it delivered in just 15 minutes. I have tried this recently and it works!

Even my sister was bragging yesterday. She said the price a pandamart was as good as a usual online purchase. While you have to wait for items to reach you in a few days in usual online purchase but with pandamart the items will reach you in 15 minutes the same day. I was talking to my sister that I may opt to sell off my car because I don't need one when my age hit 55 years old. I would just get everything delivered and rely on driver for hire if I need one. This is the kind of life we are living right now. Technology changes our lifestyle this much where everything is possible to our doorstep with a click of fingers.