All Grown Up

The title speaks for itself.

Turning 25 years of age last November did not make me feel like I'm an adult. In fact, even having to raise a child doesn't makes me feel like I'm an adult (this could probably be because I know that the child isn't mine and I didn't have to suffer experience nine month of pregnancy and one brief moment of pushing the child out my vagina 😂). 

But today, I definitely felt like I'm a full grown adult. 

Today is a special day to me. 🎆

Today, I've made my first real "investment". The older version of myself (let's call it v1.0) would never have done it. V1.0 would never walk in to a bank and inquire about anything, even withdrawing and depositing money through counter was too much for me then. Human interactions have never been my forte and I dread it a whole lot.

Anyways, back to why I think I've finally become an adult...

When I saw an advert on CIMB's promotion for their Unfixed Deposit at 4.10% per annum, I was really keen on getting on that bandwagon but as destiny has made it, it wasn't made for me. As I've mentioned, I loathe human interactions, therefore it was difficult for me to go to the bank to withdraw money and to go to CIMB to open a FD account. When I had finally mustered the courage to do it, one of my colleagues had errands to run, so I couldn't go out to do it. And thus, my plan to place money into FD got shelved. 

Then Hong Leong Bank announced their "Hong Leong Bank Digital Day" seven days promotion from 7th to 13th July 2017. The rates (4.17% through their Online Fixed Deposit, and 4.3% if it is done over the counter) are comparatively better than CIMB Unfixed Deposit promotional rate, however the term is fixed at seven months only (not more, not less).

After mustering up the courage, I went to the bank to buy banker's cheque (any banks except HLB will be accepted, as this promotion is valid for "fresh funds" only) and withdraw some cash to open an account with HLB as I do not have one with them previously. For deposit of RM1,000.00 and above to your Current Account/ Saving Account (CASA), you will be entitled to their FD promotional rates of 7.00% per annum for a period of seven months. I must say this is the most attractive FD promotions available right now in the market.

With that, I can finally say that I've reached adulthood because I'm slowly stepping out of this comfort bubble of mine, doing things v1.0 wouldn't have done. And for that, I'm happy with myself.

On a side note, it is getting fairly difficult to open bank accounts in Malaysia, they will a hundred and one questions with regard to where your money came from and if you're working, you need to provide them with your Confirmation Letter from your company etc. However, I find that it differs between branches because the second branch that I went, the officer didn't ask for anything except for my identification card. 😌 Otherwise, it would have been another wasn't-made-for-me moment.