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Author: baby_pingu

If U have to save 50% of your pay..how?

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Post time 16-11-2011 09:36 AM | Show all posts
susah aku nak saving 50% sejak kawen....

1. bayar rumah RM1200
2. Bayar kereta RM550
3. Nursery anak2 RM450
4. CC 2 RM1000
5. PL RM800


huk huk huk berapa sen yg tinggal..... lps tuh harap duit laki jer laaaa.....
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Post time 16-11-2011 09:43 AM | Show all posts
susah aku nak saving 50% sejak kawen....

1. bayar rumah RM1200
2. Bayar kereta RM550
3. Nursery ...
morango Post at 16-11-2011 09:36



    waa..rm1200 utk rumah..klo share2 that's mean rm2400 rumah sebulan..waa..waaa...
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Post time 16-11-2011 10:05 AM | Show all posts
waa..rm1200 utk rumah..klo share2 that's mean rm2400 rumah sebulan..waa..waaa...
anizarina Post at 16-11-2011 09:43



RM1200 utk sebuah rumah...... nak share ngan sapa? ni tolak gaji terus.....
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Post time 16-11-2011 10:13 AM | Show all posts
RM1200 utk sebuah rumah...... nak share ngan sapa? ni tolak gaji terus.....
morango Post at 16-11-2011 10:05


ooo...

sorry, sbb member2 + sepupu2 ramai yg beli rumah..n bila byr, share2 ngn asben..kerete sendiri2.....nursery anak2 sendiri byr...

tp mmg sama je calc ngn kak..beza kt rumah je/tuh yg rina assume rumah share.. my mistake...


tuh lah...rina pun tgh cuba  mengsave sebyk yg bh..dpt simpan rm50 kt asb pun dh syukur....
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Post time 16-11-2011 02:10 PM | Show all posts
ooo...

sorry, sbb member2 + sepupu2 ramai yg beli rumah..n bila byr, share2 ngn asben..kerete ...
anizarina Post at 16-11-2011 10:13



ASB potong gaji  tp sket jer laaa.... tabung haji masuk time bonus..... lain2 saving xde huhuhuhu...... rumah me bayar sebab nama me kan.....
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Post time 16-11-2011 02:27 PM | Show all posts
ASB potong gaji  tp sket jer laaa.... tabung haji masuk time bonus..... lain2 saving xde huhuh ...
morango Post at 16-11-2011 14:10



    gud idea...huhu...tabung haji masuk time bonus....huhu..dh 3 thn xdpt bonus..... kene tukar keje ni
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Post time 16-11-2011 03:58 PM | Show all posts
satu lagi perkara yg aku perasan sangat boleh bagi great savings/cut off cost

ialah dgn melupuskan secara 100% pembelian produk makanan dalam tin dan juga makanan dlm plastik seperti canned cocktail, kordial, nugget, burger, drummet semua tu

aku dulu mmg habit simpan/beli makanan dalam tin utk simpan stok sebulan la kononnya... tapi tak sempat pun abih sebulan... dan perbelanjaan menurun secara mendadak more than 50% jika beli real food berbanding processed food..

"kalau la rakyat malaysia ni tak gila makan fast food, mesti rega ayam, rega telur, rega tepung, rega gula tak naik"... hehheheheehe
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Post time 16-11-2011 05:06 PM | Show all posts
gud idea...huhu...tabung haji masuk time bonus....huhu..dh 3 thn xdpt bonus..... kene tu ...
anizarina Post at 16-11-2011 14:27



hehhehehe cepat update resume
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Post time 16-11-2011 05:12 PM | Show all posts
hehhehehe cepat update resume
morango Post at 16-11-2011 17:06



    tuh laa pasal...hehe.....
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Post time 16-11-2011 05:17 PM | Show all posts
satu lagi perkara yg aku perasan sangat boleh bagi great savings/cut off cost

ialah dgn melupuska ...
tuna_sandwic Post at 16-11-2011 15:58



sebenarnya banyak lagi boleh cut off.....
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Post time 17-11-2011 08:33 AM | Show all posts
Post Last Edit by damiqula at 17-11-2011 08:35

Reply 107# tuna_sandwic

betul.i have stopped buying all processed food,buy real food je.kalo nak jugak,adela sebungkus sosej utk emergency lapo tahap tak hengat.tu pun amik mase sebulan nak habis

lagipun processed food ni xbagus utk kesihatan pun.kat peti ais umah saya(umah sendiri la,umah mak lain cite hehe),cuma ada real food,susu,cheese(processed food yg mcm sihat sket) je.nugget,drummet bagai memang jarang sangat2 ade

tapi cheese,susu pun skang dh macam luxury food dah.mahal ya amats esp cheese
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Post time 17-11-2011 09:23 AM | Show all posts
umah aku mmg takde langsung proses food...
fast food yg ada...

1 peket megi kari - time boring2 teringin nak makan
biskut2 utk anak..
koko krunch utk anak..menda ni mahei plak tuuuuuuuuuuu..sib bek anak aku tak ske vitagen & sewaktu dgnnya..koz masam..menda ni pun maheiii...
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Post time 17-11-2011 09:27 AM | Show all posts
aku suka dgr pompan yg dah kawen ada umah seniri..
umah seniri yg tak kongsi nama/baya dgn hubby..
susah/sesak skit financial koz kena baya umah tak pe..pk long term..

langit tak selalunya cerahhhh...
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Post time 17-11-2011 11:07 AM | Show all posts
aku suka dgr pompan yg dah kawen ada umah seniri..
umah seniri yg tak kongsi nama/baya dgn hubby..
...
koko2 Post at 17-11-2011 09:27

berfikir benda yg sama...

sbb tuh berkira2 nk jugak beli rumah nama sendiri....
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 Author| Post time 17-11-2011 11:51 AM | Show all posts
Reply 114# anizarina


    kalau ada duit lebih, beli lah..
umah tuh bleh sewakan...ada gak pasif income every month
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Post time 17-11-2011 01:23 PM | Show all posts
aku suka dgr pompan yg dah kawen ada umah seniri..
umah seniri yg tak kongsi nama/baya dgn hubby..
...
koko2 Post at 17-11-2011 09:27


angan2 waktu kerja nanti dapat la miliki rumah atas reason yg sama. lagipon pompuan yg ada rumah ni kira ada value added la
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Post time 17-11-2011 02:10 PM | Show all posts
alhamdulillah dah ade rumah atas nama sendiri.memang susah gile skang sbb bayar sorang.awal2 nak bayar rase tough sangat2.lame dah pandai adjust,dah macam biase je.

lepas kawen nak beli umah lain ke ape ke,lain cite.yg penting kene pikir utk jangka masa panjang
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 Author| Post time 17-11-2011 05:04 PM | Show all posts
Reply 117# damiqula


ha ah..btul tuh..
dulu pun pikir dua tiga kali before nak beli umah..takut tak cukup duit nak byr..tp every month duit abih jugak tetaw pegi mana

last2 nekad beli jugak..lgpun dah fedap jaga umah org sedangkn tuan rumah sampai 5 tahun tak pernak dtg jenguk umah dia.
tp bila beli, ok jek byr every month; ada plak duitnya ...lgpun kalau sesak2 bleh jek nak sewakan a room..
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Post time 17-11-2011 05:08 PM | Show all posts
Reply 118# baby_pingu

betul2.dulu sebelum beli rumah,duit pun habis jugak pegi mane tah.bile dh beli,baru sedar selama ni,ku rupanya banyak membazir
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 Author| Post time 17-11-2011 05:11 PM | Show all posts
Reply 119# damiqula

lgpun bila dah ada umah snediri, automatik dia pandai nak berjimat..
dulu officer bank tuh siap ckp lagik, "dik, jgn lambat2 byr installment umah, interest dia tinggi" sampai sekarang aku jadik takut (biarlah org kata naive ker haper )
benda pertama yg aku byr tiap kali dpt gaji adelah installment umah
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