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01.07.2012 | 鈔票飄飄

[Volume 7 Issue 7, #1462]
最近真係破財, 去香港洗咗一筆(又冇喺澳門贏啲錢返嚟), 等住找咭數之外, 返到嚟又多兩個罰款要俾.. 大喇喇少咗三百幾蚊!! :(
稅收局查到我2007年報稅有誤, 寄咗封信叫我還錢.. 嘩!! 隔咗咁耐都仲要秋後算帳, 國家真係好等錢洗.. 不過算啦, 反正係自己偷雞不遂, 哈哈!!RM235.69
嗰日鬼um眼, 開咗支票俾銀行找咭數, 逾期過後先發現唔記得簽名!! 結果俾銀行罰款, 篇篇呢張單嘅款項仲要係多個月內嘅新高!! 真係俾得好冤枉好肉赤~~RM85.43
really not having good fortune recently, after spending for my HK trip (and not winning any money from macao), while waiting for my credit card bills, i now have two penalties to pay.. am RM300+ poorer now~~ :(
the inland revenue board found a mistake in my tax filing for year 2007, and immediately sent me a letter to ask for top-up.. it's so long ago yet they still want to look back, our country really runs out of money to spend huh?? anyway, i'm paying that because my trick didn't work, haha!!RM235.69
must have been blinded the other day when i issued a cheque to pay for my credit card bill, only after the due date that i realised i have not signed on the cheque!! so the bank has all reasons to penalize me for both late and financial charges.. what's more that bill came to be the highest balance for the month to-date.. ouch!! this is really a pain in the S!!RM85.43
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76 comments:

  1. Good Sunday morning, SK, everyone!

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  2. Aiyak...I thought am first. mana tau HS faster than me

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  3. Regarding the credit card penalty, u can contact the bank ask for waver based on yourgoood,payment record.

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    Replies
    1. Yalor...

      even when I'm late, I'd contact the bank to ask for waiver. So far they all obliged. ;p

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    2. Bank r desperate nowadays. BNM New rules makes it harder to market for cards. so if good customer they will want to retain.

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  4. Say if they don't wave, u consider cancel the card

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  5. Next time, pay through online banking/giro transfer no need to sign cheques! ;p

    Penalty sucks!

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    Replies
    1. Yalor online bnking easier. just extra rm2. Parking n petrol also eat that up la.

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  6. Happy Sunday everyone!

    All eaten breakfast yet?

    Or spam SK first before do anything else? kakaka

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    Replies
    1. Good morning Lina.

      am gvg coffee at mcd

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    2. *hvg. grrrrr hate phone auto correct thingy. I type cili it become coli

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    3. cili chg to coli! LOL!!!!

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  7. Few yrs ago i kena coz money bank into wrong card . they contacted me ask for payment. I terkejut. kena penalty rm50 cozkkira late

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  8. After you get tax refund, now got to top-up tax payment pulak?

    I also needed to top-up. For year 2009 if I'm not mistaken.

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    Replies
    1. That time, I earn so little but kena pay tax so much! Boohooo!!!!!!

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    2. Me too. earn not eligible for tax but salary was cut to pay tax when bonus time. sobs. that time no efiling. took ages for them to refund.

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  9. Then I ask for waiver based on good track record.

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  10. I think they will waive punya coz now bank desperate for credit card biz. no harm trying to ask. tak mintak tak dapat. u mintak mungkin dapat.

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  11. Replies
    1. So many yrs baru say got mistake and need to pay back

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  12. Expect us to kip .12 yrs records. if got error they will check for another 6 or 12 yrs recrds...think if like that will check till the time we are not even born yet

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  13. Y the yr itself they tarak check properly. their negligence should not penalize u mah.

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  14. Now r they gng to charge u interest on the unpaid amount for those years? If yes, its day light robbery

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  15. Never mind. Must pay your taxes, don;t you not pay...because they need the money to pay me my pension. Muahahahahahahaha!!!!!

    Wah! Credit card penalty so much kah? Wah!!!! You must have spent a lot!!! Orang kaya lah tu... If I kena penalty, only a few ringgit to the most.

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    Replies
    1. STP ..oncee late aje they will charge a mom duno rm20 or rm50 on top of whatever interest on the unpaid amount. last time I kena was rm50. Now duno got reduce or not

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    2. Mine o.k. leh. Once I used ATM to pay, did not go through. Then, they called me...gave me a few days' grace after due date some more to go and settle the payment. No penalty.

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  16. Alamak batt low. Happy Sunday to everyone

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  17. Good morning, everyone!

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  18. me too..I have spent so much for my recent trip..

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  19. my husband experienced that before too..he had to pay for that..

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  20. so far I have paid for my credit cards bills on time..

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  21. this time I'm expecting a lot of bills to be paid..

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  22. Good morning bloggers! It is July now.....time flies!

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  23. Computers don't make mistakes but humans do....

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  24. Back in the late 90s I remembered the well known PB made a silly mistake when I banked in a small cheque bat RM1k only. After my cheque was cleared, my ATM showed additional RM10K. I was shocked and confused.

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  25. I told my colleagues and friends about it. They were all more excited and suggested that I closed the account and withdraw all the money out. They said it was not my fault and the bank had no right to charge me......

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    Replies
    1. should have close ac and cabut LOL

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  26. Nah! Nah!.....they called my office and house phone so many times as I had no mobile phone then.... Goodness, I had to go over and sign so many forms to verify their mistakes!! The teller mixed up the cheques and realized it when the other account holder filed complaints for getting poorer.

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    Replies
    1. their mistake and you had to be hassled for it?

      Yeah. what else is new?

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  27. yaaaickes thats the enemy of fun expenses hahaha

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  28. dont worry sk im sure things will be ok soon god will find a way

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  29. have a great day sk dont worry yourself to much

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  30. Aiyoyo so careless!! Normally I straight bank in the cc payment into machine XD

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  31. I only use credit card in Malaysia.

    Never use them overseas. So I have to spend whatever cash I have and not more.

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    Replies
    1. If I am not mistaken, credit cards used in Thailand is quite okay as the interest rate often go up down. Better than looking for money changer there!

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    2. I got no credit card.... so never encountered such hassle.

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    3. I'm such an "old" dinosaur who only use cash....

      Yeah, most probably I'll dig a hole in my garden and stash up my gold, kekeke~ just kidding.

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  32. Never mind... as chinese saying ah.. small money goes out, big money comes in! :)

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  33. I like to send u a postcard..pls email me yr home address.

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  34. I also found myself poorer in the month of June.

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  35. Korea shopping spent a lot of money already. Then....

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  36. I banged my rear tyre at something infront the gym.

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  37. The tyre burst. RM200 burned.

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  38. Then, I forgot to wear the safety belt while driving.

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  39. Met police, he took my money without checking my license.

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  40. Luckily I only had RM10 that time. RM10 poorer after meeting the police. Hehehehehe!

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  41. 之前退嘅家陣拿返,好正常啊!

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  42. I use online transfer or GIRO when deal with my money.

    I hardly use ATM card. And my ATM card is not a debit card.

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  43. As for income tax, I never, never, got any refund... sigh~

    Usually the inland revenue board will ask me to top-up... grrrh!

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  44. Talking about income tax, I have yet to receive any notification from them. I don't know whether I've overpaid or underpaid them.

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  45. I remember you saying you've got refund earlier, now have to top-up? Sniff, sniff, why they make things so troublesome?

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  46. well.. at least you had so much fun and you did enjoy your HK and Macao trip right

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  47. on top of that, you had a nice birthday celebration too so I guess that's truly worthy

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  48. oh gosh.. I just can't relate when it comes to credit cards.. I don't have one yet haha.. mine is just debit card

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  49. hmmm so how much is this 300RM in peso... or in dollar...your currency is higher than us right

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  50. I really wish I can travel someday...

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  51. oh well, travel is always Pain in the S, need to get travel often so u will get use to it lol

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  52. flight ticket is one problem, another problem is stay problem, need to be comfort and safe and hope that it is not over-cost lo

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  53. eh ur trick didn't work? LOL u try to lari some tax is it? hahahah

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  54. well for cutting cost purpose, what thing also can do 1 la lol :D

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  55. Money easy come and easy go. As long as we are not overspent and having saving. Life is considered not bad already.

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