~~Saving my money... How to do it?

Just 4 sharing...

Dah banyak sangat dengar pasal lots of orang muda below 40's yang ada masalah hutang yang sangat membimbangkan...

Saya kena setuju kot kena statement tu.. Huhu.. Sebab, yang pertama memang tergolong dalam range umur tersebut.... So, potensi ke arah tu berkemungkinan ada kalau tak terkawal pengaliran duit yang keluar masuk...

Saya pernah nak buat kredit kad satu masa dulu masa rasa susah sangat nak beli tiket flight masa duit tak berapa nak mengizinkan..

Then, saya pun tanya la pendapat my friend yang kerja kat bank, n tanya la camna nak buat kad kredit....

Zappp.. Dia kata jangan buat le... huhuhu.... TAKUT TAK BLEH KAWAL NAFSU PENGGUNAAN...

So, tak jadik la nak teruskan niat tu bila kawan yang kerja bank sendiri kata jangan buat... =)

Berbalik kepada tajuk entri, saya pun duk pikir la camna nak saving duit dengan cara paling mudah n kita tak kacau duit simpanan tu....

Yelah, kadang2 kata je menyimpan, tapi cukup bulan, duit tu jugak kita kacau.. Nah.. Susah jugak kan...

Cabaran zaman dulu ngan sekarang dah lain... Sekarang semua akses guna atas talian je.. Duit pun kadang2 atas talian jugak habis... Tak kira la beli apa pun...

Tu belum masuk aset kehidupan... Macam rumah, tanah, emas ke....

Bila pikir2, saya kena buat sumthing.. Kena menyimpan jugak tak kira mcam mana sekalipun...

Semestinya bila u berasal dari semenanjung, and bekerja di sabah/sarawak, nak menyimpan tu agak susah la sebab kebanyakkan duit yang dapat, digunakan balik untuk beli tiket flight and other things.... ={

Tapi sampai bila nak biarkan camtu ye tak...

Hehe... So, apa yang saya buat, saya buat simpanan melalui potongan gaji..

Contoh, untuk pelaburan ASB, bulan2 potong RM 50.00 hengget...

Pelaburan BIMB, bulan2 RM 100.00

Simpanan Tabung Haji, bulan2 RM 100.00

So, in total sekurang2 nya ada juga simpanan = RM 250.00.. Hehehe...

Then, opkos le balance daripada yang tadi, jangan gelojoh guna sampai tinggal 2 sen...

Sebab, kena bajet gak, sewa rumah RM 550.00

Installment keta RM 566.00

Dah bape jek yang tinggal...

Nak wat makan bulan2 tu, ada la bajet sikit..

Untuk shopping2, ha yang ni kena kurangkan... =p

Tu belum tolak rega tiket KAPAL TERBANG yang nak mencecah RM 1000.00... so, bayangkan le, tolak2 dengan gaji, makan, shopping, pheww...

Konklusinya, kena bijak aturkan kewangan...

Sebabkan saya duk Sabah, I think agak wajar saya berpikiran begitu untuk menyimpan duit.. Kalau tak hangus semua asik beli tiket flight aje.. hihi....

~~KokoCrunch ngan Lo-Fat Hi-Cal Milk

Memang menyelerakan....

Jemput bersarapan yeh....

=)

~~Susah hati....

Alhamdulillah, finally I got an offered to attend our Induksi Umum under Ministry of National Resources and Environment (NRE) starting from this 8th Sept - 14 Sept 2012....

But, now still kalut mencari barang2 keperluan yang perlu di bawa untuk hadir kursus untuk seminggu ni...

**Kemeja berkolar tangan panjang warna hitam untuk peserta wanita....
**Buku Perintah Am/Pekeliling .. I have to buy them.. Pheeww...
**Laptop .. Alamak.. takde... Kena pinjam le ngan bos.. Aiya...

The rest, I think dah ada.. Cuma now kena cari jalan nak dapatkan surat pengesahan daripada pegawai perubatan untuk sahkan yang saya ni pregnant...

Ekceli saya belum buka buku pink kerajaan tu... Sebab b4 this g klinik biasa ja.. Tapi now baru nak p daftar ngan klinik kerajaan... Padan muka.. Awal2 taknak buat...
Masalahnya tarikh appointment 18/9/2012.. After kursus... But then bila kena dapatkan surat pengesahan, opkos kena g buka buku pink tu kan...

Then call klinik tadi dia suh p 5/9.. Masalahnya 4-7Sept 2012 tu saya kena kursus kat INTAN Sabah.. Jauh jarak dia nak patah balik hari2...

Hm... jururawat tu minta datang senin 3/9 ni tengok camne... Sebab doktor takde hari senin... Selasa ngan Rabu je..

Ya Allah, dugaan ni..

Semoga saya dapat uruskan pasal surat pengesahan ni dengan selamat, InsyaAllah..

Doa2kan la ye..

(+____+)

~`Banyak cakap, banyak buat dosa...

=(

I agreed 110%...

Lidah itu lebih tajam daripada pedang.... Bahaya when u talk too much, sometimes u x perasan u dah buat orang len rasa tak selesa or kecik hati...

Astagfirullahalazim...

Talk less, recite Quran more..

A VERY SERIOUS REMINDER FOR MYSELF... =(

~~Tahniah kepada my frens..

Yea..

Saya tau saya dah tak aktif FB... huhu.. Jadi banyak perkembangan rakan2 ni saya agak ketinggalan...

But I used to active my FB sometimes just to get know what happen to all my dearest friends..

Hehehe... Baik kan...

Ye lah, rugi jugak kalau saya tak tau kan.. Alih2 tengok dah berlaki beranak pinak, saya pulak yang ketinggalan... 

First, nak wish SELAMAT MENJADI BAKAL PENGANTIN kepada my dearest Sis Ai a.k.a Kak Aisyah PSN gittew...

I'm so happy for her.. Yelah.. Kitaorang sama2 susah masa kat PSN dulu.., Macam2 ranjau berduri ada... Kami harungi bersama.... Aitceh... Cannot put her photo sebab all photos yang saya ada gambar masa dia muda2 dulu.. Now dah berhijab, tak leh la upload gambar dulo2 kan.,.. =)

Then, baru tau gak, my fren, MADZRATUL ADZFIFI dah tawen ngan her husben, MOHD FARHAN...

Selamat Pengantin Baru gak untuk korang... =)

She's the one in the middle... I'm still waiting wedding invitation dari Noorsha n Faris... =)

And, tahniah jugak for my fren SAADUDDIN sebab baru dapat baby.. Maaf le belum sempat melawat anak buah baru =)

Then, tahniah jugak for my frens ADHWAN n SHAFIZA yang baru melangsungkan wedding bebaru ni.. Nikah 16.6 ritu.. So, pengantin pompuan dah berbadan dua masa naik pelamin...

Alhamdulillah.. Tahniah ye Pn Shafiza...

Ok lah... Even saya tatau semua perkembangan kawan2 saya, I still do try to get know as much as I can.. =)

So, maaf ye kawan2 kalau saya lambat wish something yang menggembirakan hari anda...=)

~`Ketupat inti serunding, signature raya dish @ Kelantan...

Well, this year raya celebration gave me lots of sweet memories in my life....


Just imagine, from Kota Kinabalu as early as 6.30 am I'd already took a cab to Air Asia terminal Airport at Tanjung Aru to chase my flight bounced to Kuala Lumpur at 9.30am. Yeah, I know, too early ha?

Well, a coupled days before, I'd got an alert notification from Airasia asking all the passengers to make sure they reach at the airport 3 hours before flight time to avoid any congestion.

Back to the story, I'd decided not to ask my husband to pick me up at the LCCT airport because of some reasons:

1) He stays in Raub, Pahang

2) He needs to use the Lebuhraya Karak n Lebuhraya Gombak to reach Kuala Lumpur (imagine during festive season, it's going to be horrible traffic jam of course)

3) It’s the same road we will be use to go back to my husband hometown, why can’t I just take a bus from Kuala Lumpur to Raub without double the burden on his shoulder)


So, based on that, I make my own journey from Kuala Lumpur to Raub.

My friend, Hana already pot-pet pot-pet and asking me to think twice on my decision I’d made.. Hehehe… I know she worried of me. Carry too much luggage, including kuih raya and so many things.

But I’d said to hear, pray for me, and wish me all the best.

I know I need to be extra careful due to my pregnancy.

Thanks God for giving me such a caring friend like Hana. Even I’m quite stubborn to follow her advice.. =D

When I reached at the LCCT Airport, I took a chattered bus from LCCT-KL SENTRAL and reach there by 01.15 pm…

Now I need to walk even faster to take the LRT (train) from KL Sentral to Tititwangsa..

Fuh, it’s not an easy tasks..

I’d to change the train at MASJID INDIA, and walked to the SENTUL TIMUR and took a train from there to TITIWANGSA..

I think it’s really challenge my mental… Huhu

Finally, I’d made it. I’m at TITIWANGSA, now have to look for Pekeliling Bus Station..

Again, I’m in trouble to find a ticket to Raub. It’s already sold out..!!!

OMG, I keep running and searching from counter to counter and Alhamdulillah…

I got one ticket to Raub at 3.30 pm…

Time showed at 2.30 pm and I’m waiting for the bus with the others..
Alhamdulillah, I’d reached at Raub at 6.00pm.

Of course my husband picked me up at the Raub bas station and we brake fasting together.

At 2.00 am, in the morning, my husband started our journey back to Kelantan and we reached at Machang at 8.30 am…

During brake fasting, I’d eat this ketupat inti serunding which is quite sweet and rich in flavors.

My mother in law also made Ketupat biasa but she use to warp it using banana leaves.

It’s a new thing for me as I normally use daun palas to wrap the ketupat.
Anyway, it’s a new life for me and hope Allah will always bless my family insyaAllah…

~~Berjanji tapi tak tepati...

Ni kalau husben tahu ni, memang sah2 dia akan ngamuk...

Since my husben tak berapa gemar dengan sikap orang berjanji tapi tak tepati ni, so I'd decided not to tell him about this story...

But, padan muka saya sendiri bila diri sendiri tak tahan jugak dengan perangai sesetengah orang camni....

It happen when my landlord said that she will come to my rent house last nite (my times before also talk the same)... I'm waiting until mengantuk2 la... I'd already told her, if she can't make it, just send me a message...

But seems she so busy, until have no time to text me... Arrgghhh..

So many times already... I dunno what to feel anymore...

Should I delay the rental payment for this month?? Suppose I've to bank-in for her on 30th every month...

Sigh..... TOTALLY MAD AND DISSAPPOINTED... (+_+)