Hello babes! Semua dah balik ke?
Speaking of CDA, I think that account is a godsend. If only my 1st boy pun ada. I dah calculate once both in childcare next year, there will nothing left of the 12k inside in 2yrs time. Kalau ada no 3 boleh buka CDA lagi (as if)..heh.
Antara savings and investment, I prefer investment for its higher returns tapi I'm not a risk-taking person so savings lah jawabnya. For now, in order to to have more self discipline, my savings is lumped together with my insurance policy. Ada bank acct extra tapi tu lembab sikit nak jalan. My boys pon ada their own savings and their insurance savings.
I only use CC bila my husband suruh like for booking movie tickets or flight tickets or hotel bookings pasal I'm using a sup card. Won't spend anyhow with his card. Takut kena marah. My husband is anti installments too. In our old house, our TV is a 21 inch Sony. Some people may find it hard to believe but it's the truth. But our policy is definitely 'cash & carry'.
San, read about your maid. Hopefully your MIL agrees with your suggestion and the maid gets deported fast.