Finance management

Saya rs ini topik hangat bangat kalo nak dibincangkan..ngehehe :P
saya sbgai seorang wanita mmg tak dpt dipisahkan dr nafsu shopping..
erm,'penyakit' ni melanda saya sjk azali lg
dan,makin ketara sjk saya dah punye pekerjaan tetap (dah pgg duit sendiri..sblm ni duit "FAMA" & JPA)...tp,ini tak bermakna saya menjadi seorang yg boros
saya masih lg undercontrol..waras :)

btw,opismate saya ditempat keje baru ada bg tips menguruskan kewangan & merancang perbelanjaan..
it's good practice to manage our finance...tak kira samada gaji besar @ kecil

here is 4 steps to manage ur finance :-

1. tentukan matlamat kewangan : matlamatkan kewangan anda dlm jangka ms tertentu.matlamat ni membantu kte memahami nilai sbnr wang & mengalakkan kte berbelanja dgn bijak.tetapkan jangka masa utk merancang & melaksanakan setiap matlamat..contohnya:
-beli rumah?
-beli kereta?
-kahwin? memulakan hidup berkeluarga?
-melancong?

(saya ada buat sume perancangan nih..hehehe..item 3&4 to be accomplish by this year,kereta dah ada..rumah...yg tu dirancang oleh en.syahrul selaku family master to be..hehehe)

2.jejaki ke mana perginya wang : biasakan membuat perancangan sblm berbelanja.yg ini sbgai matlamat jangka pendek bukanlah bertujuan mengurangkan perbelanjaan,tp utk mengenalpasti tabiat berbelanja kte.melalui pemerhatian ni,kte dpt tau :
-ke mn & mcm mn kte belanjakan duit kte
-berapa hutang setiap bln
-berapa baki duit yg ada dipenghujung bulan
erm,kalo takde baki tuh...better check blk tabiat berbelanja kte & kurangkan perbelanjaan yg tak diperlukan...

(cara saya..tulis setiap sen yg saya keluarkan setiap hr dlm dairy..yes,it's works..myb mcm leceh,tp,saya tau ke mn duit saya pergi..setiap bln saya dah bdget utk beli ape..dan setiap bln,biasanya total perbelanjaan saya adalah dlm lingkungan yg tlh dittpkan @ budget..yahoo!)

3.menilai tabiat berbelanja : teliti samada ape yg kte beli adalah brgn keperluan @ hanya kemahuan...

4.tulis rancangan perbelanjaan : start pelan perbelanjaan mcm nih:-
-tentukan jumlah pendapatan bersih bulanan (dah tolak epf,socso,etc)
-tambah jumlah perbelanjaan harian termasuk bil2 bulanan,sewa,byr hutang(ptptn),etc
-asingkan wang utk kecemasan & perbelanjaan bermusim (raya,road tax,insurans,etc)

so,mcm mn dgn perancangan & tabiat berbelanja anda??? share wif me ya...
sediakan payung sblm hujan..sikit-sikit lama-lama jadi bukit :)

Heroes Season 2

Heroes season 2 is coming back..
yup,for sure I am so excited to know what's happened to my HEROES!!!
but,unfortunately...I can't watch the episodes...
because I don't have Astro channel at home...poor me...sob..sob..sob..huhu :(
(my father don't want & never want to subscribe Astro at home bcoz he said tooo much entertainment...all that craps will make us neglet our responsibility)
but,no matter what...I'm gonna buy a full series of HEROES season 2...cetak rompak pon jadila..janji blh tgk..hehe :) layan...

Last weekend I had a blissful moment with 'geng 10 bdk hitam'
alhamdullilah,we managed to set a gathering this time...only 8 of us
excluding lela & hidayah...(both of them not around KL)
for a while,since october/november last year,we had been busy with our own life
I really miss my close frens...even tough I lil bit late that day (had an important meeting with my family...hehehe ;p)

Another good story...Congratulation to mija (mohd hamizar) & his partner (if I'm not mistaken her name is mariam) regarding their wedding last week..which was been held at Bdr Baru Uda,JB...while majlis bertandang will be on this weekend at Raub,Pahang
due to a-lot-of-things-to-do & transportation dilemma
so,me & my frens (anim & dal) cannot go to raub
tak dapat la kami memeriahkan lagi majlis itew.hehehe :)
so,on behalf of all ur 'anak buah'(majlis pemimpin pelajar TIKL 2000) cewah;p
we wish both of u happy ever after..insyallah
this pic was send to me by a fren..enjoy ;p

Bubbly

Take ur time to relax
currently,I'm listening to this song
p/s : I'm so in love wif the lyric..truly medly deeply..hehehe (he's soooo bubbly)

Bubbly

I've been awake for a while now
you've got me feelin like a child now
cause every time i see your bubbly face
I get the tinglies in a silly place

It starts in my toes
makes me crinkle my nose
where ever it goes I always know
that you make me smile
please stay for a while now
just take your time
where ever you go

The rain is fallin on my window pane
but we are hidin in a safer place
under the covers stayin safe and warm
you give me feelins that i adore

C: It starts in my toes
makes me crinkle my nose
where ever it goes
i always know
that you make me smile
please stay for a while now
just take your time
where ever you go

What am i gonna say
when you make me feel this way
I just........mmmmmmmmmmm

C: It starts in my toes
makes me crinkle my nose
where ever it goes
i always know
that you make me smile
please stay for a while now
just take your time
where ever you go

I’ve been asleep for a while now
You tucked me in just like a child now
Cause every time you hold me in your arms
Im comfortable enough to feel your warmth

C: It starts in my soul
And I lose all control
When you kiss my nose
The feelin shows
Cause you make me smile
Baby just take your time
Holdin me tight

Where ever, where ever, where ever you go
Where ever, where ever, where ever you go…

p/s : sape2 blh ajaq aku cm mn nak tepek you tube dlm blog???hehehe...kuno btl aku ni..buta IT daaa ;p

A new phase..a new beginning..a new year :)

Salam maal hijrah 1429H
1428H telah berlalu...mensyukuri segala yg telah dikurniakan
menginsafi segala kekurangan & kelemahan
semoga dgn kedatangan thn baru ini akan membawa seribu rahmat & keberkatan buat kita semua
to all my frens : saya doakan yg terbaik utk kalian, dlm apa jua yg kalian cita-citakan :)

Eyes on Malaysia

'Hanging out wif frens is one of the best therapy'
so,on last 25th december..me,azie,dal,tirah & anim..including another 2 girls (anims' niece) hehehe...were having a great time at Eyes on Malaysia.. fuh,it was a very 'challenging & adventure' ride..

ye ke? ngehehe.. at first I never though akan rs lil bit gayat..
tp,bila that giant roda start moving upwards...huhuhu..terasa gak gayat
seram skit..but after 2nd and on rides..we can handle it..hehehe
easy man...not to worry..just act like u r strong enough ;p
credit to anim..coz she willing to take a ride wif us..chaiok!!

end up of 'our journey'...we had a great lunch time together @ Chicken Hartz Buffet
thanks gurls for spending a fun moment that day :) hehehe

Better late than never

Firstly,I would like to apologise to azie because the delay of this entry
supposely,I should wrote sumthing about her engagement day a few weeks ago
but,I really don't have a time..sooo much things to do in a sooo lil time...sorry

the person I mean here is...cik noraziah ismail..or lbh manja dgn panggilan azie :)
so...another one of 'geng bdk hitam' tlh bertukar status kpd tunangan org
congratulation azie & munir...after 4 years they get to know each other
as a couple since in UTM....(betoi ke 4 yrs???..hehehe)

well,eventhough only me & lela (geng bdk hitam) yg hadir pd hr tu..
majlis ttp berjln dgn lancar..alhamdullilah.. azril & her girlfren,fina pun dtg gak...
hopefully,on azie's wedding day (insyallah,will be held on august) sume 'geng bdk hitam
dpt berkumpul beramai-ramai :)

Cuti-cuti Malaysia

well,around past 2 weeks,saya dgn secara tak rasminya tlh meletak jwtn kat opis
hehehe..dgn itu,saya harus menghabiskan sisa2 cuti tahunan saya yg masih berbaki 5hari (saya mmg sengaja simpan cuti byk2 skit..hehe)
tu pon kira balance cuti skit je sbb asyik amik half day leave coz I'd to attend an interview session..ngehehe

kebetulan plak last 2 weeks mmg byk public holiday
so,I take this oppurtunity to bring my siblings & spend lil time wif them :)
On 21 december,me & my siblings visited AQUARIA KLCC - AN OCEAN OF DISCOVERY
hehee..adik2 saya mmg excited to 'look & feel' being part of the nature
so,almost a day we tour inside the Aquaria


The Aquaria was saperated in 6 main exhibition
Jewels of the jungle..Malaysian Rainforest..Amazon Flooded Forest..The Coast..
The Living Ocean..Weird & Wonderful
first we entered the jungle..hehehe :)
actually it was 'journey into the jungle'...introducing our beautiful rainforest..Endau-Rompin
the journey was full with knowledge.. coz we had a chance to get know & see the real habitat
it's so fascanating world! and even exiting,we had a chance to see upclose Aquaria stafs feeded the fish..so cute..even,hbs baju saya basah coz ikan2 tu melompat2..
hey,it's their lunch time..hehe

and,not to forget..it's a must when u visited Aquaria...explore into the TUNNEL
well,first we entered the tunnel..we saw many types of fish,turtle & sea habitat, flora & fauna around us..so real (the habitat in the tunnel actually 25% more bigger than what we see..believe it or not..just imagine the size of sharks!)
just like we live in a deep blue sea for a moment..oh,how wonderful it was..masyallah
we had a chance to watched the divers performance..feeded the fishes
fuh,I'm so jealous wif whom have an ability to divers la..(tibe2 saya teringin nak bljr menyelam..tp,masalahnya..berenang pon saya tak tau..huhuhu ;p)
so,overall my personal experience & thought about AQUARIA...
it's an exciting,fun & learning merge place to visit
especially to the kids...and it's worth it :)

sambil menambah ilmu pengetahuan + melihat kebesaran Allah SWT :)