Bila Saya Patut Kawen

Pada yang suda miang-miang keladi akan cakap bila-bila pon bole..tapi hakikatnya memang ada waktunya Bila Saya Patut Kawen. Kaedahnya suda pasti bergantung pada Bila Wang Anda Cukup..xpercaya??percayalah kerana ianya benar!tapi org kata duit takan pernah ckp jadi xkawen2 la..so tats when u need to read tis out loud..YOU NEED TO HAVE A PLAN.if you dont hv plan,so u're plan to fail..klise but it's reality.lucky me when my plan starts with my mum plan+God will.so with tat,this is how the plan work (tis plan only apply to who are in/plan to be in the govenmnt sector..ahaks):
1. the lucky age is 25th.why?
-u will finished ur degree at the age of 24.for me after graduated i only waited for 6month to be in a permanent post (alhamdulilah)
2. then wait until you hv work for 3 years.why?
-after 3years as a G off. u layak untuk keluarkan u punyer KWSP.huhu...tats when all the junior off. beraya okay!(but tis will be a raya when the money were collected since u pass ur SPM n start working ok guys..sape yg maleh sndr mau ingat.krn when u start working at the very young age,majikan akan start juga mencarum KWSP untk u..so duit SPM terkumpul+keje kjaan 3thn=lalala..atleast 10k..huhu)
-so btween tat 3years time mesti u ada kumpul duit gaji sndr kan.jadi KWSP+duit gaji (500/bulan x 3thn)
u da ada atleast 30k!more than enough..babe.u even (if u r lelaki kasik hantaran kt pmpuan 10k tau!like me..thanks bb) but tis 30k xtermasuk mkn k..dear.u blela pau fund PA&MA.lalala...mummy luv u!muahkss...pastikan couple u guna kaedah yg sama k

so guys tis plan really a plan if ur a good planner.seyes k..tu bujet i kawen dlu k.nowadays harusla meningkat lagi.jd pandai2la n selamat beramal.but for me.plan no.2 didnt applied bcoz of my mum plan no.3:

3. start saving using ASB LOAN.why?
-my mum who is such a brilliant mum (thanks God) hv buy me tis loan at the age of 19th (br daftar uni ms tu).at tat time xtau pun apa guna until nak kawenla.the total loan amount 75,000 where the monthly commintment is 500.during belajar my mum paid it.so calculate ur self.every end of year i got at least 5k as a bonus by taking the loan.so at the end of the day (nak kawen umo 25 kan) u get the same amount/more (coz ade bocor2 wer u terguna duit tu during blaja like me bli laptop n downpayment kete..how i wish i dunt used it at tat time..urggh) as u save 500/month ur salary (maknanya plan ini terpakai kalo u da sedar ms umur 19la..).tis loan ble diambil dimana bank.skang interest dia lg rendah k and i still enjoying tis bonus till now (hrpkan gomen tadela nok) each year.many people envy me ok!yela kalo hrpkan u all simpan sndr lalu ke nak pejam mata kasi 500 hlg je dr akaun.blom dpt gaji pon da pikir2 nak wt pe ngn duit tu usah kata nak simpan (ni ayat pesanan penaja my mummy..hehe)

all tis plan r adjustable to your age (bkn senang nak kawen k!).im just guiding on how to build the plan.i terpikir ni pon sbb memikirkan betapa sy xtau plan no.2 tu..masuk gomen mude2 la katakan,if not mesti riang ria lae majlis kawen i tau..ble kuar duit manyak nyah walau br keje.tapi apapun tetap bersyukur dengan apa yg da jd kalo x,xsiapla junior i kini...hehe.mommy to be at the age 27th,if not umo 29th kot br jd.alhamdulilah..syukur yek!

makanya xsusah nk hidop pon dlm dunia gomen ni krn hakikatnya individu itu sndr.seriusly talking bout saving many of my fwens dont hv saving even anak da sorg.zaman skang hrpkan duit gaji ble wt gaduh kot.savingla menyelamatkan segalanya.really appreciate it..mum!kecuali u all ade bisnes kencang.for me since i xguna duit KWSP tuk kawen, i plan to buy a house.and there's goes another plan....

Loan Keliling Pinggang

bismillahirahmannirahim (membacanye sambil tenangkan diri)..so,hr ni adalah hari yg sy paling berpoya2 dalam sejarah kerana sampi opis leh blank xtau apa nak wat (akibat tgk punch card staff, sume pakat cuti,m.i.a dan etc..bos skang kene buli k) jadi sy watla karangan. karangan ini timbul dlm ketaktentuan otak lalu tiba2 terasa nak mengira duit-duit sekalian,perbelanjaan sekalian dan hutang-hutang sekalian. maka terbitla fakta bahawa rupenyer saya begitula byk wang dihabiskan kpd bende2 xberfaedah.hurm, sedih at the age of 27th sudah struggling to hidp..but actually it's start at the very beginning when saya masuk uni. yes,till now like the others i xhbs lg byr ptpttipu tu...jadi,now i bertekad anak i nanti kalo ble say NO to ptptn or any loan or kurang2 wt loan berhemah ala2 sspn.haha..mujurla kejaan (puji ah jap kan) menganjurkan kwsp maka selepas 3thn (iaitu kini) saya boleh mengenjoy wang itu. tapi hakikatnya tidaklah bole brape enjoy krn senarai perkara sperti diatas. tapi atleast tis month dpt ah byr bunga2 cinta ptptn yg makin mekar (memang selama ni dok byr bunga je ok!).agak2 nye ble la sebagai seorang manusia a.k.a penjawat awam ble hidop ngn selesa..hurm. so sume pengalaman hidup ni espesialy bahagian financial i hv a lot to share..seperti how to manage ur salary,manage ur wedding bujet n manage ur house loan,since loan umh pula bakal menjengah dlm list i (ahaks..pandai ckp pasal bujet tp sendiri kantoi but atleast i know kan??). formula ni telah terpakai buat miss sunkiss n moonlite sehingga beliau berkata...sissy, wer do my money gone all tis while??(sendiri jawab la kan..tol tak sissy?) hehe...