I learnt something during financial literacy course today: never take a car loan as the percentage charged will always be on the loan and not diminishing as you pay. House loan on the other hand is better as it will always be based on the outstanding. :)
Other than that, my colleagues told me that even if I didn't switch on my electrical appliances, electricity will still run when the switch at the plug is not switched off. Gosh!!! No wonder the utilities bills is so high last month. Now that I'm paying for that, I must be more conscious and start saving on electricity.
Side track: I feel pretty sad and helpless when I see my poor dog not being able to see or hear me well. I called her jus now and just lifted her head and tried to sense where I was calling her from. Even when something was very near to her, she couldn't see or react until the thing is moving in front of her. I think it will be a terrible season when she gets weaker and weaker and dies in front of me. :( I hope that day will not come so soon.
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