Alhamdulillah. YB Fuziah (Kak Gee) who attended the PH - Minister Tengku Datuk Seri Utama Zafrul meeting today, informed me that MOF is keen to produce a Gender Responsive Budget (GRB) with Environmental, Social and Governance (ESG) elements for the upcoming budget. If truly realised, it would be a positive step towards addressing gender equality, and future proofing Malaysia. She also informed me that Minister DS Tengku Zafrul showed interests in MPI as a tool.

KEADILAN MPs have been working hard on these matters as part of our pre-budget preparations led by Wong Chen.

Thank you very much for the stellar work done, Ale, Wong Chen’s officer - for collating all the written suggestions and recommendations over the many pre-councils between KEADILAN MPs.

Having completed our MPI survey, led by Professor Fatimah Kari & her team, local enumerators and our ground office - culminating in a finalised report on measuring the different dimensions of poverty (six conventional & 3 COVID-19 related) in Permatang Pauh, -it brings me pleasure to have my colleagues champion a more progressive and future proof measurement of poverty & its alleviation in the upcoming Budget and 12th Malaysia Plan.

Our office finalised a few recommendations to the MOF - specifically seeking an MPI centred approach to poverty eradication; and adoption of gender responsive measures in the dispensing of our national budget. The findings through our MPI survey confirmed that women headed households are in deeper financial crisis in comparison to conventional households - with a concerning intergenerational lack of social and educational mobility and increased food poverty amongst children.

As such - our national budget must be responsive to gender - a principle that carries through to the point of implementation. Since MOF limited reps to three from each party; I urged that YB Fuziah be included together with Wong Chen and our SecGen. Kak Gee (YB Fuziah) has been a long time advocate of gender responsive budgeting and together — the three of them also stressed the need for Malaysia to achieve the SDGs - specifically the 5th, in tandem with a more realistic measurement of poverty.

As for me; the task of briefing Minister Dato’ Seri Mustapa Mohamed on our completed MPI survey & our discussion on the key highlights to be raised during our 12th Malaysia Plan RTM session tomorrow night gave me some hope - of a new dawn in poverty eradication - if not necessarily, new politics 😅 Cautiously optimistic, bak kata Uncle Wong Chen.

Much to do - waver, we mustn’t.

Please note we are planning the launch of our MPI report. Join us as the date nears #Parlimen!

#參與式預算 是近年來在臺灣很流行的政治參與形式。許多地方政府，都撥出小部分預算，召集社區居民參與討論、提出方案，讓民眾更直接的參與預算的使用。

臺灣的參與式預算強調小組討論、與各方協商及調整方案，具有 #審議民主 的精神。相較於以投票為主的 #總和民主，這似乎是一種更直接、更能讓社會大眾參與的政治過程。

在審議民主的理想下，參與式預算實際執行過程中，參與者們有哪些回饋及批評？這些不滿，又與他們對「優質民主」的想像有什麼關係？

因為做過報支政府計畫帳務的工作，本週讓小編很有感的，是文章中一段描述政府主計制度讓參與式預算參與者感到挫折的話：

「行動者們認知到政府主計制度和規範是臺灣推廣參與式預算的重大限制，也對其缺乏彈性而感到挫折。一位提案獲選執行計畫而需處理行政核銷的民眾就批評：『（經費核銷）有嚇到我！……。一開始其實很生氣，覺得被騙了，沒料到有這個事情。』同樣的，我們在向公部門人員解說時也發現，他們最關心的也是會計系統以及相關的組織規範並沒有跟著調整所可能造成的推動困難。」

而參與者們對審議民主實踐的批評，也顯示了總和民主審議民主，如何被以不同的標準評價：
審議民主更經常地被以理想標準檢視，總和民主則被以以形式要件來評價。

盧孟宗、葉欣怡／嫌貨方為買貨人：行動者對參與式預算的質疑、不滿和其積極意涵
文章連結：https://twstreetcorner.org/2021/08/03/10853/

Some tips on how to increase savings

1. Prepare a budget - to plan where each of your dollar and cents are going

2. Track expenses - to know exactly where each of your dollar and cents went

3. Reduce expenses - to control bad habitual spendings

4. Increase income - to have extra money to allocate to any money goals

5. Hustle - never stop hustling and improving!

Excess money after all the above gets to snowball into our investments!

#budget #budgeting #debtfreecommunity #money #financialfreedom #debtfree #personalfinance #debtfreejourney #finance #savings #debt #savemoney #financialliteracy #goals #financialindependence #frugal #savingmoney #frugalliving #business #investing #debtfreegoals #credit #budgetplanner #wealth #moneygoals #saving #budgetlife #moneymanagement

How has lockdown changed you - if at all?

It's been a year since the first lockdown was announced in Malaysia (18th March 2020) and so much has changed since then. For better or worse, I came out a different person.
Please bear in mind that I am well aware of the lives lost and the livelihoods affected that are far worse than mine. This is merely a reflection of my own life and the lessons i've learned one year in. The pandemic has impacted each and every one of us differently and I hope that wherever you are and however it has impacted you, that you are safe. Take care.

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Don't be fooled fam, there's a LOT more involved than just monthly payments!

This episode's timestamp guide:
00:00 Introduction
0:53 Main Budgets
1:43 Baby toast please
2:14 Upfront payments
2:45 COST 1 = BANK LOANS & DOWNPAYMENTS
4:31 Baby break
4:50 Added notes: Booking fees
5:35 COST 2= REPAIRS
7:04 COST 3 = LEGAL FEES
9:01 Baby break 2
9:41 Welcoming the finance minister of our home
10:12 COST 4 = Furniture
12:04 Baby break 3
12:20 Suyen's Tip = Bring a contractor to the property for quotes
13:20 COST 5 = Electronics & Plumbing
15:10 COST 6 = Misc. Fees
16:04 Baby break 4
16:13 COST 7 = AFTER-FUNDS
17:27 Closing Notes from us!

BIG SHOUTOUT to the PropertyGuru team!
For your references! (Surf around their site for more!)
Guides for LEGAL FEES shenanigans: https://bit.ly/3mqUPaT
Should you pay off your home loan early? https://bit.ly/2Ts2ZUf
Home Loan Tools & Calculators: https://bit.ly/3oyDsqv

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Sejujurnya ini video tersulit yang pernah aku buat hahaha! Aku bukan seorang professional di dalam bidang personal finance, tapi aku suka menabung! Dan karena aku akhir-akhir ini buat konten beli mobil luxury, house hunting rumah mewah, dan beli barang branded, orang2 pada berpikir, GIMANA CARANYA MENABUNG?! Nah ini guys aku bongkar caranya hehehe. Semoga membantu yaaa! Kalau mau aku bikin video seperti ini lagi, tolong click LIKE, kalau video ini mencapai 100,000 likes, aku akan bikin video lagi :) (sengaja tinggi2 angkanya biar kalau bener2 ada minat baru bikin wkwk SUSAH SOALNYA COY)

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