Saturday, November 29, 2008


I read this term somewhere once. I think it was the now-defunct Asiaweek but I am not sure. It was about the term they give certain couples according to their income and liabilities.

Double Income, No Kids. Or D.I.N.K. As oppose to Double Income With Kids. Or Single Income With Kids. Or Single Income No Kids. Actually the one I really remember is the the first category.

That of my wife and I.

We have been in that bracket for 5 years plus now. We have our routine and we have our economic situation assessed and reassessed a few times every year when we thing we need a new investment scheme or if the economy took turn for the better or for the worse. We try to cut our spending when the credit cards seem unmanageable or increase our spending according to the festive season. We have travelled to a few countries and planning to travel more in the near and distant future.

In one of our trips...

We would buy or change our car if the economy permits and if a new model take our fancy or if my wife is fed-up having to manage a car which is too big for her. We took personal loan, paid it off and took some more. We bought houses, sell one, retain one and intend to upgrade the house which we live in into a mansion or maybe just a bungalow or even maybe just a condominium agreeable to us. We may just refinance it and renovate it as per our liking.

We invested in unit trust, the ever favourite Amanah Saham Bumiputra, Tabung Haji, shares, fixed deposit and all the conservative to a little risky venture which may give us a bit of a return every year. We have part-time jobs and side income to help us cope with our loan repayment. We have our egg nest which may or may not last until our retirement. We presevere to ensure we can survive in a comfortable situation.

We planned all this without thinking of any changes in our plan except if Allah suddenly has planned for us to change the category from DINK to DIWK or any other plans that He has for us. After all, we can only plan and He will determine our demise...

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