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Saving money isn’t all about whether or not you know how to score screaming bargains.

It has more to do with your attitude toward money.

Just think of those who don’t fit the filthy-rich stereotype. People like Warren Buffett.

As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people’s traits as it does with money. Many millionaires, in fact, have frugal ways.

Understanding how personal traits can influence your finances is an essential ingredient for building wealth.

Here are 10 key traits:

10. Patience

Patience is one of the most important traits when it comes to saving money.

This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.

Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.

9. Satisfaction

When you’re satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn’t bringing you satisfaction.

People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.

8. Organization

Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.

It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.

7. Discipline

You need the discipline to continue to save money for specific, long-term goals every month. Personal finance isn’t a way to get rich quick, but is a disciplined execution of your lifetime plans.

6. Reflectiveness

It’s important to be able to look at your financial decisions and reflect on their results. You’re going to make financial mistakes. Everyone does. The key is to learn from those mistakes so you don’t make them again, or recognize if you keep repeating them.

5. Creativity

The economy and our earnings don’t always match our expectations.

Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.

Creativity allows you to make something last longer rather than purchasing it when you don’t have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.

In these ways, creativity plays a large role in keeping finances in order.

4. Curiosity

Having curiosity helps you learn, study and improve yourself.

The curiosity of wanting to know more, to take the time to study and then take what is learned and put into practice is an important process that is driven by curiosity.

3. Risk-Taking

To build wealth, one needs to be willing to take risks. This doesn’t mean uncalculated risks. It means weighing all the options and taking calculated risks when appropriate.

The stock market has risks involved, but over the long term, history shows that it provides good returns on money that is invested wisely. Those who fear risk altogether end up saving money in accounts that likely lose money to inflation in the long run.

2. Goal-Oriented

The importance of setting and working toward goals is obvious. If you don’t know where you are going, it’s difficult to get there. It helps your personal finances immensely if you have money goals and are motivated to reach the goals that you have set for yourself.

Those who lack goals don’t have a road map to take them to the financial destination they want.

1. Hard- and Smart-Working

Creating wealth and staying out of debt rarely comes about without a lot of hard work.

Many people might hope that the lottery will solve all their financial problems. The true path to financial freedom, however, is to work hard to earn money while educating yourself to continue to have more value and increase your salary.

You may not possess all of the above traits. But knowing them can help you make changes so that you nourish the ones that you have and obtain the ones you’re missing.

Ultimately they will help you with your personal finances and create a plan to accumulate the wealth you desire.




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2010 in review

The stats helper monkeys at WordPress.com mulled over how this blog did in 2010, and here’s a high level summary of its overall blog health:

Healthy blog!

The Blog-Health-o-Meter™ reads Wow.

Crunchy numbers

Featured image

The average container ship can carry about 4,500 containers. This blog was viewed about 15,000 times in 2010. If each view were a shipping container, your blog would have filled about 3 fully loaded ships.

In 2010, there were 58 new posts, growing the total archive of this blog to 114 posts. There were 197 pictures uploaded, taking up a total of 437mb. That’s about 4 pictures per week.

The busiest day of the year was May 27th with 155 views. The most popular post that day was The final product .

Where did they come from?

The top referring sites in 2010 were facebook.com, seriously-jessica.blogspot.com, numero-uno-ain.blogspot.com, stayaway-areureading.blogspot.com, and feverblister.blogspot.com.

Some visitors came searching, mostly for avatar 3d glasses, natalie portman short hair, dress for success, human body systems, and natalie portman hair.

Attractions in 2010

These are the posts and pages that got the most views in 2010.


The final product May 2010


one helluva sexy lady! January 2010


avatar 3D January 2010
1 comment


career fair @ NTU January 2010
1 comment


crazy chinese beliefs January 2010

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Freddie Mercury

Is this the real life?
Is this just fantasy?
Caught in a landslide
No escape from reality
Open your eyes
Look up to the skies and see
I’m just a poor boy (Poor boy)
I need no sympathy
Because I’m easy come, easy go
Little high, little low
Any way the wind blows
Doesn’t really matter to me, to me

Mama just killed a man
Put a gun against his head
Pulled my trigger, now he’s dead
Mama, life has just begun
But now I’ve gone and thrown it all away
Mama, ooh
Didn’t mean to make you cry
If I’m not back again this time tomorrow
Carry on, carry on as if nothing really matters

Too late, my time has come
Sends shivers down my spine
Body’s aching all the time
Goodbye, everybody
I’ve got to go
Gotta leave you all behind and face the truth
Mama, oooooooh (Anyway the wind blows)
I don’t want to die
Sometimes wish I’d never been born at all

I see a little silhouetto of a man
Scaramouch, Scaramouch, will you do the Fandango
Thunderbolt and lightning, very, very frightening me
(Galileo) Galileo (Galileo) Galileo, Galileo Figaro
I’m just a poor boy nobody loves me
He’s just a poor boy from a poor family
Spare him his life from this monstrosity

Easy come, easy go, will you let me go?
Bismillah! No, we will not let you go
Let him go
Bismillah! We will not let you go
Let him go
Bismillah! We will not let you go
Let me go (Will not let you go)
Let me go (Will not let you go) (Never, never, never, never)
Let me go, o, o, o, o
No, no, no, no, no, no, no
(Oh mama mia, mama mia) Mama Mia, let me go
Beelzebub has the devil put aside for me, for me, for me!

So you think you can stone me and spit in my eye
So you think you can love me and leave me to die
Oh, baby, can’t do this to me, baby
Just gotta get out, just gotta get right outta here

(Oooh yeah, Oooh yeah)

Nothing really matters
Anyone can see
Nothing really matters
Nothing really matters to me

Any way the wind blows…

Bohemian Rhapsody


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Here are some pictures of my trip to sydney.

St Andrews Cathedral

Sydney Harbor Bridge at Port Jackson

And of course, the Sydney Opera House. Up close it actually doesn’t really look that awesome though. It only looks really good from a distance.

My colleagues

After we were done with the opera house, we walked over to Darling Harbor where we had lunch.


Darling Harbor

My favourite shot of the day

seafood platter

All smiles after a hearty lunch

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Ever had someone come up to you and ask you if you were a graduate? And when you tell them that you are, what is their reaction? Some people ask simply out of curiosity, but there are other who ask to satisfy their assumption that all graduates do not have ‘street-smarts’.

However, what is this ‘street-smart’ in the first place? How can anyone assume that you are not street smart upon the first meeting and knowing that you are a graduate? “oh you graduate ah, no wonder la. Cannot like that one, you must do this to survive”.

First of all, I feel that having street smart isn’t really a quality. It is just something that people need to have because of the situation they have gone through. If someone threw you to the sharks, you got to learn to evade them, because you need to survive.

Being a graduate does not mean that one is stupid. We are not just book readers, or memorizers of facts. We all have some street-smarts in us, just that we were all too busy studying to acquire ‘that much’ of street smart. And to go further into the point, the whole question of whether a graduate is streetsmart or not can only arise when he/she steps into an arena that is not in his/her element.

Of course then, he or she will have no experience, but does that mean he/she does not have streetsmarts?

There is nothing wrong with being a graduate, or not being one. These are just fanciful terms. There is something wrong however, when people make inane assumptions ‘just because’ someone else is a graduate.

At the end of the day, I’d rather be smart than just wholly streetsmart. At least a ‘smart’ person can learn street smarts

Can a street smart person learn to be ‘smart’? Perhaps not.

So stay humble, and others will stay humble. Being ‘streetsmart’ is seriously not a big fucking deal.

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25 A/K

I am beginning to enjoy my job a lot.

And I love the fact that I will always have a window seat to the wonders of the world.

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Work hard play hard

I believe that we all should work hard and play hard. If you are going to work without enjoying your life, then you’ll most likely be stuck in that rut for a very long time.

Don’t assume that you always have time on your side. Sometimes we put off things till tomorrow or next year, only to realize that when that time comes, we become bogged down with commitments or old age.

Live life now.

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