Rutin @payday

bangun pagi muka berseri-seri..jap jerlah tapinya..sbbnya duit gaji tu mcm boleh tgk jer..most part of it guna utk byr hutang

emmm ada ker org tak de hutang esp yg dh kawin..
me...utang memang byk laaa....loan umah, loan keta, personal loan, credit card (so far boleh control la zero outstanding setiap bulan..me guna credit card sbb byr life insurance premium monthly--me jrg guna credit card selain dari utk booking flight or hotel) ..

personal loan tu me amik masa nak fly gi UK few years back..sbb my hubby & kids tak dpt family allowance masa me buat Phd tu...tak sbr nak abiskan byr personal loan, tapi rasa mcm lambat jer lg nak abis :( --dh lah me tak ingat me amik utk berapa thn...tak sure..5 thn or lebih...loan agreement ntah simpan kat mana, nak tanya bank mcm mls plak :p --memang potong gaji bulan2 siap2....memang burden lah byr personal loan ni compared dgn loan umah & loan keta...kat Msia ni jrg org beli umah guna cash or even beli keta guna cash (unless keta menang contest :p)

then byr bill plak..normal life lah...bil letrik, bil streamyx, bil astro, bil celcom..bila air (less than RM10), then ada jugak bill indah water and bill cukai pintu every few months wpun bukan monthly...
then byr yuran sek zharfan plak (zharfan attend private school--yuran RM310 monthly, and now dh attend tuisyen, tambah lg RM125), nursery aroff plak RM250 monthly.
then bg jugak duit utk my mom--part ni paling penting ni sbb my mom kan single mother...masa my dad ada dulu me jrg bagi sbb time tu me pun lom abis Phd...my mom tak de lah perlukan duit anak2 pun cuma kita sbg anak lah wajib buat our mom happy selagi ada hayat di dunia :) :) budi ibu takkan dpt dibalas walau dgn segunung emas

then balance gaji utk duit minyak keta, touch n go, groceries, mkn kat fastfood/restaurant, jln2 ikut kemampuan, beli bj etc ikut kemampuan...tu jer..

realitinya...me memang pyh nak buat savings sbb gaji setiap bln mcm tak de balance pun :(...so i really work hard in comping--it's not as easy as u thought--sbb sgt ramai compers kat Msia nowadays..so the odd of winning tu is so low...bila menang mana2 contest memang sgt2 syukur...sbb comping ni selain skills and passion, perlukan modal utk beli POP (brg2 bukti pembelian)...alhamdulillah me baru jer start saving sikit2 hasil contest (jual brg contest etc)...

selagi hidup memang begitulah komitmentnya..
syukur atas segala nikmatNya yg dipinjamkan utk kita