I am actually quite nervous thinking about what lies ahead for this year. I guess it will be another tough year; even tougher than 2014 to deal with.
First; I just received the notification of my wage reduction due to my house that will commence circa this March. Looks like the full payment from government to the developer is sealed and it is time for me to do my part! I am quite nervous as this will be my most major financial deduction. It means that I will be lacking at least RM800 per month ; and definitely jeopardizing my monthly financial budget. Of course, this is also a great revelation because I am actually spending on my VERY OWN property; but the anxiety and the dreading feeling of March are quite eminent. Nevertheless, by hook or crook; I’ve gotta go through it and getting alleviating words-of-experiences from my colleagues on how to adjust monthly financial budgeting due to housing loan really help me; at least mentally. I guess in the end, I will have to re-adjust my monthly budget; like what I did when I had my car loan, etc. It will take time to adjust but I will go through this.
Second; the so-called MyBrain15 allocation that was said to be widen to the government civilians as per Budget 2015 presented by Prime Minister IS YET TO COMMENCE! I have checked the website https://biasiswa.moe.gov.my/MyBrain15/v2/index_mymaster.php for countless of times but still prove to no avail! I can’t apply for Hadiah Latihan Persekutuan (HLP) which has been slated as the platform for government civilians to further their studies as I am not doing any educational programme and my ministry happened to be Ministry of Education!!! I was really counting on MyBrain15 to cover my Master’s Degree fees this year because of the announcement made via Budget 2015 (Full text in Bahasa Malaysia at http://www.bharian.com.my/node/10769) but now it seemed that I cannot rely on that ‘dream’ and have to still fork out my own money for the fees! I remembered that the late Kak Yati (bless her soul) told me last year that the MyBrain15 scheme would be opened to government civilian; she encouraged me to apply as she applied that (she had no problem as she was a housewife; untangled by any clauses).
Next, I read this morning that The 2015 Budget allocations would most probably be revised due to the recent flood fiasco in the East Coast as well as some parts of southern and West Coast of Malaysia. I have the hunch that the allocation for MyBrain15 will be siphoned out; in fact, there is no Circulation being issued yet regarding the principle idea of that “MyBrain15 to be opened as well to government civilian” and without Circulation, words are just words; and hence, will most likely jeopardizing my MyBrain15 dream. Sigh………….or maybe I was just thinking too much?
I am also quite in a dilemma. Now, I am doing Master’s Degree in Corporate Communications with a secured job and secured financial lineage. No problem. But if I decide to go with the dream of pursuing PhD; let say, the idea is to try to get sponsorship from any university that is willing to adopt me as tutor and then pushes me abroad; if the plan goes well; – I will be experiencing financial woes, a transition from a secured job with secured salary to a unstable position with no salary and only ALLOWANCE to cover or support all my financial commitments!!!! I dread to think about it because from what I heard, the allowance usually is lower than my current salary and I will definitely feel the wrath of the financial transition if I ever decided to follow the plan in the pipeline. Am I ready to trade my current security and comfort – to crystallize my dream?
I guess the word that I can hold on to is “Tawakallah”. Of course, we have the famous Que Sera Sera (Whatever Will Be, Will Be) but in the end, only God SWT holds the secrets. Have faith. Amin.