My burden-free shoulders


Photo credits 

A few months ago, my hubby and I decided to pay off our housing loan, thus making our home completely 100% ours.  I can’t describe the feeling of jubilance we felt as we signed the relevant papers and realized that there were no more monthly payments to be made to the bank.  We also had to engage our lawyers for some legal matters pertaining to the settlement and since our strata title was also ready then, we commenced the procedures to get the title too.  Last week, we went to the lawyer’s to collect the strata title, together with all the other documents.  It was a huge step towards being totally debt-free.


…eggstremely sinful cholestrol-laden breakfast…

And today, we took the final step that will make us bask in a state of debt-freeness. I paid off my outstanding car loan and obtained the registration card last week.  However, the registration card still stated the company I work with (I took a company loan) as the owner of the car.  I had to make a trip across the Penang bridge to the Road Transport Department in Seberang Jaya to have the cancellation of ownership done.  Thanks to directions from Susan, hubbs and I tried to make it there as early as possible.  I promptly got a number, but hardly had I warmed my seat, my number was called.  The officer flipped through all my documents, checked my IC, and then chop here chop there…and it was over in a matter of minutes.  There was no super fancy equipment that was used to cancel the ownership though, so I am still rather confused why this could not be done in the JPJ branch on the island.  Hmmmm….seems like a waste to make a trip all the way to the mainland for some manual chops.  Well, in any case, the car’s all MINE now!  All MINE!!!!! How sweet is the feeling….

Oh yeah, on the way to JPJ Seberang Jaya, we stopped by the Touch n Go office at the Penang Bridge to check if my Touch n Go card needed to be upgraded.  I had received an email some moons ago about the need to upgrade the card every 10 years.  It’s a good thing we went there today.  My card was gonna expire in June this year, and the “upgrade” makes mine usable till the year 2018 now.  I say “upgrade”, because I don’t know exactly what they did to the card.  It only took a mere 2 seconds and my card was not even exchanged for a new one.  The old card was just placed on a small black platform device thingy and the lady behind the counter just hit a couple of buttons. Let’s just pray it doesn’t automatically “expire” in June.  hehe… we’ll see.

Anyhow, feeling very accomplished and excited today, I decided to finally file my income tax returns electronically, 6 days shy of the deadline.  Of course, the next step now would be to settle the outstanding tax before April 30 2008.  Boo! Funny how many people like to wait till the last minute to do it, by choice or not, I don’t know.  So far the people I have asked have not filed their returns yet.  Have you?

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19 Responses to My burden-free shoulders

  1. Jemima says:

    That “eggstremely sinful cholestrol-laden breakfast” looks sinfullicious. 😛

    I decided to pay off my Honda CRV when I got my bonus in Dec. All in all I was tied down for 4 months only. It definitely feels good to be debt-free. 😉

    Have a Blessed Weekend to you & family.

    *hugs*

    The Giddy Tigress says:Wow…a HONDA CRV!!! Can I ride in it, please??? And you were only paying for FOUR months??!!! That’s really good, Jem!

  2. ehon says:

    OMG!! I’d trade my korean food for that CKT!

    aaahh the smell of sweetness. 😀 freedome!

    The Giddy Tigress says: Korean food for lard-laden CKT…a definitely well-balanced equation…NOT!!!:)

  3. LB says:

    I am totally ignoring the food photo…
    I am totally ignoring the food photo…
    I am totally ignoring the food photo…
    I am totally ignoring the food photo…

    Exactly the way I felt when I paid off my apartment & car last year!!

    I am totally ignoring the food photo…
    I am totally ignoring the food photo…

    I am totally ignoring the food photo…

    But now I got another mortgage to pay!

    I am totally ignoring the food photo…
    I am totally ignoring the food photo…

    And I didn’t know the TouchNGo expires! I must look into mine this summer..!!

    The Giddy Tigress says: Have you ignored that photo enough yet? Luckily I didn’t have LMK huh?

  4. rinnah says:

    That’s wonderful, GT! I still have years to go on my car loan… 🙁

    The Giddy Tigress says: Well, hopefully you’ll soon be able to pay off the loan…

  5. mistipurple says:

    congratulations, on the plate of delicious kuay teow… and the completion of the loans! haha.
    you’re so blessed you know that?
    i just paid off a humongous loan too, 3 weeks ago, and now have another one, haha. but at a much lower interest rate. so that’s an improvement i guess. heh.

    The Giddy Tigress says: Interest rates (high ones) are so yucky….yes, I am glad to be rid of the loans.

  6. michelle says:

    Debt free feels good. I will be doing mine soon. 😉

    The Giddy Tigress says: Aha….good for you…the sooner the better.

  7. ParisB says:

    Goodness! I cannot imagine what being debt-free will feel like. But I’ll be waiting for the day it happens 🙂 Now you are making me worried about my TNG card! LOL

    The Giddy Tigress says: You can go and upgrade the TNG card at any counter, I believe.

  8. huisia says:

    wow, your post just make me happy too…
    debt free…oh, i dreaming of it too but don’t know when will be my turned..

    The Giddy Tigress says: It will soon happen….hopefully sooner than later.

  9. trinity says:

    GT, thanks for visiting my blog… no. 3 is your lormaikai? I thought it was no. 5?! hahaha…

    The Giddy Tigress says: Oh…ooops…it *WAS* no. 5 ….my bad…. All the lormaikais together just made everything so blurry and confusing…

  10. trinity says:

    Congrats for being debt free… right now we know someone out there who is lormaikai free… huahaha…

    The Giddy Tigress says: Oh yes, indeed we do, but I know he won’t be LMK-free for long!

  11. You are probably the only grown up who is debt free … I think I am debt free too — but again, I don’t own anything on my own.

    LOL 😀

    The Giddy Tigress says: Regardless, being debt-free is indeed a sweet sweet feeling!

  12. wen says:

    hiw nice. i cant wait for mine!!!

    The Giddy Tigress says: Soon….

  13. Sue says:

    Wah…I think I have to wait for a while before debt-free….

    CHAR KOAY TEOW!!!!

    ARGGGGHHHH….it’s midnite here now you now…*stomach growling*….

    BTW..came here to tell you that you have won…congrats!!!
    Email me your address please…Thanks…also, you blog the winning once you have receive your bag..not before…cheers!

    The Giddy Tigress says: Woohooo!!!! Yippeeee!!!! Thanks Sue! I have sent you the information requested. Will be eagerly waiting for the bag to arrive 🙂

  14. Paik Ling says:

    Well done girl!! I love accomplishing stuff. But congrats on being debt-free. It would take me about 29+ years……..

    The Giddy Tigress says: Wah…so long ah? Hopefully can cut short soon?

  15. sksy says:

    hopefully it doesn’t means you will be buying something else soon 🙂 more expensive new car or house

    The Giddy Tigress says: Aaah…time will only tell….

  16. Adino says:

    So long didn’t read a blog post from you! 🙂

    Congrats on being debt free! Its still a long time away for me.

    I have submitted by income tax declarations 😛

    The Giddy Tigress says: Good for you…I paid my taxes online too – can do so with CIMB online!!! I didn’t mind paying the 50 sen charges to the bank.

  17. jazzmint says:

    wah loan free..syioks…me still got 3 yrs for the car :(.

    i submit my tax edi..but havent make payment hahaha

    The Giddy Tigress says: I paid online too…first time paying online. Saves the trouble of going to the bank or IRB 🙂

  18. Hats off to you.

    I will be so happy when I am debt free. Heard some idiot talking about keeping debt so you are using other people’s money. Blah blah blah. When the money ain’t there what do you have. Well you will have a home and a car. No fear of the debt collectin’ man.

    The Giddy Tigress says: Yeah, it feels great. I would never feel comfortable using people’s money..

  19. cbenc12 says:

    pay off ur house n car loan!!! that must be a lot of money! i still have many years to go for my car loan n havent even started on house loan… oh gosh…

    The Giddy Tigress says: We used the idiom “sedikit sedikit lama-lama jadi bukit” 🙂

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