Aduh hai...

Tengahari semalam aku pie lah Berjaya Hotel & Resort nak buat booking ke Tioman, salah aku jugak duk tangguh awal2 bukan tak boleh buat reservation awal dah nak pergi baru terhegeh2 jumpa si Ain tu...ishhhh plan awal nak pi 2 May nie...tapi bilik penuh lah pulak mana taknya cuti labor day kan.....15 May bilik ada tapi flight Berjaya Air tu pulak full...so kita kita orang terpaksa lah terima hakikat untuk pergi 30 May next month.......bosan betui tak dapat pergi on date yang diidamkan...

p/s
malam tadi tido lewat..layan sikecik , semalam dia tido awal pukul 7 petang dah tido sekali pukul 10 lebih dia bangun.....dah tutup lampu satu rumah dia boleh jugak jalan sorang2 berani betui...pastu duk layan majalah pa ma tgk gambar baby sambil bebel2 atas katil.....alamak budak nie..at last aku paksa dia tido kasi ngempeng kul 12 baru lena.....

Kesimpulannya..jgn bagi dia tido awal at least sebelum pukul 8.30 malam

Book Fair

Hari nie, aku ambil half day coz ada exam pagi tadi...paper habis kul 11 lebih and masuk kerja balik pun lambat lagi so aku pi lah ke PWTC kan ada Book Fair...oklah tak ramai sangat orang maybe Monday kot...dapat lah grab a few books esp. for my lil. baby , my lil. sis yang nak ambil PMR this year and a few books for hubby n me..... dapat diskaun n memang berbaloi.....

p/s : penat sih hari nie....penat perah otak kot....nak tidooooo

Fuhhh.....

Hari nie...hubby pi fishing ngan kawan2 dia, sebenarnya hubby nie dulu2 sebelum kahwin akibat terpengaruh ngan kawan2 dia yg kaki fishing tu memang kaki jugak..tp agak2 aku since kahwin sampai la nie baru sekali dia pi fishing tu pun masa baru kahwin 2 tahun lepas...pi Kenyir...so hari ni dalam sejarah lah hubby pi fishing sejak ada Aina...sajer aku bagi chance......

Letih gak duk ngan Aina dari pagi nie...ha...awal2 kul 6.30 pagi dia dah kejutkan mama dia nie, hubby lepas subuh dah gerak dah.....nasib baik dia sempat goreng mee, hheheheh ambik hati aku ler tu...Aina kalo ader mama dia nie memang tak boleh berenggang,aku dah lah nak exam Monday nie..memang tak sempat langsung nak bukak buku...ingat masa dia tidur boleh lah aku curi2 membaca tapi hampeh......dia start tido balik kul 10.45 pagi...sempat aku masak....hahahha ....jangan tak caya....sotong masak pindang ok gak........tak sampai setengah jam...elok jer aku siap masak dah tersengih...budak nie......ishhh..

###sepah kan lagi Aina!!!

Dia suruh pulak buka nursery song ...DVD player dah lah rosak ..on lah Laptop..duk ajak aku dancing lah pulak..letih mak.....toys dah bersepah dah......Ainaaa!!!!mama nak baca buku!!!!

Sekarang nie....pukul 3.35 petang..dia still tak tido lagi...nie elok duk sebelah aku main Kidie car dia..picit2 hon memekak..camner aku nak membaca?Abah dia dah balik...membuta lah apa lagi penat...lah..tu.....

ARRRGGGGHHHH...sabar22.......

SAVE my money,Ur money....

$$$$$$$$$

Saving money is the biggest challenge 4 me, senang cakap easier to say than done.....yups that true...aku selalu duk blablabla...dengan my hubby...money nie liquid macam air betui....kejap jer hilang dalam wallet...try to stop my self to ...picit my ATM card...fuhhhh sungguh tak berjaya... Money n Money........ bila lah aku sugguh2 nak saving secara serius nie....invest..saving insurance...etc....tu jer ke cara nyer?Caranya aku tahu..stop to window2 shopping time lunch hour tu jer cara aku boleh stopkan diRi aku to spend ntah apa2...keep dicipline...yaaaaaa!!!!GOGOGO!!!! (bukan window shopping at last jadi the real shopping) kihhhhkihh

Just willing to share How to save money....(PERINGATAN UNTUK AKU N orang2 macam aku)

Steps

1) Set savings goals. For short-term goals, this is easy. If you want to buy new Hp, find out how much it costs; if you want to buy a house, determine how much of a down payment you’ll need. For long-term goals, such as retirement, you’ll need to do a lot more planning (figuring out how much money you’ll need to live comfortably for 20 or 30 years after you stop working), and you’ll also need to figure out how investments will help you achieve your goals.

# Ok set...setakat nie benda yg ader dalam kepala otak aku yer lah.......3 in One Printer(Print blh,Scan blh,Copy Boleh).......Buat skit renovation kat rumah aku ler (kitchen area, change window..aper erk?)...n lagi lepas nie akan disenaraikan

Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money. Once the money is freed from debt payment, it can easily be re-purposed to savings. ( Nie penting ler sesangat) Killing segala hutang!!! Last year aku berjaya to settle up...Bak Islam credit card outstanding...keep one bank bank 4 emergency...hehehee oklah lah just one bank kan...n one more bank on the way to close this year Maybank hahhaah.........tamatlah riwayat kad aku tu..puas hati beta!!!!

2) Establish a timeframe. For example: "I want to be able to buy a house two years from today." Set a particular date for accomplishing shorter-term goals, and make sure the goal is attainable within that time period. If it’s not attainable, you’ll just get discouraged.

3) Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period. For example, if you want to put a $20,000 down payment on a home in 36 months (three years), you’ll need to save about $550 per month every month. But if your paychecks amount to $1000, it might not be a realistic goal, so adjust your timeframe until you come up with an approachable amount.

4) Trim your expenses. Take a good, hard look at your spending records after a month or two have passed. You’ll probably be surprised when you look back at your record of expenses: $300 on ice cream, $100 on parking tickets? You’ll likely see some obvious cuts you can make. Depending on how much you need to save, however, you may need to make some difficult decisions. Think about your priorities, and make cuts you can live with. Calculate how much those cuts will save you per year, and you'll be much more motivated to pinch pennies.

Can you move to a less expensive apartment or house? Can you refinance your mortgage?
- Nak pindah mana lagi memang sebijik jer umah aku...refinance dah buat pun last 2 year...n skg nasib baik EPF buat payment bulan2, so hubby boleh keep his money sebab selama nie memang dia yg bayar rumah...bab rumah aku just tolong duduk jer....maintain nyer hubby aku ler...heheheheh

Can you consolidate your debts so that you're not paying as much interest?
Saper2 yg ader kat credit tu kalo agak2 nak tutup tak nak guna balik...aku advice the outstanding balance tu korang buat lah term loan/refinance back boleh kurangkan interest just 6% per annum jer......#aku bukan agent

Can you save money on gas, or give up a car altogether? If your family has multiple cars, can you bring it down to one?
Gas?jarang masak...weekends jer....car altogether..memang satu kereta jer pool ngan hubby satu company...nak risau apa.....

Can you drop a land line and only use your cell phone?
Kat rumah memang tk pakai tel line pun....dah ader hp wat per nak susah2

Can you cut down on your utility bills?
cubalah jimat air n api...cuba222

Can you restrict eating out? Buy food in bulk? Cook more at home? You might be able to save a lot of money on food.
Tang yg nie......lemah sikit....memang duit aku melayang tang makan jer......kat office nie...pagi makan tengahari makan petang pun duk makan......balik malam makan lagi......................mana laki aku tak membesar hahahahahah

4) Make a budget. Once you’ve managed to balance your earnings with your savings goals and spending, write down a budget so you’ll know each month or each paycheck how much you can spend on any given thing or category of things. This is especially important for expenses which tend to fluctuate, or which you know you're going to have a particularly hard time restricting. (E.g. "I will only spend $30 a month on movies/chocolate/coffee/etc.")


5) Stop using credit cards. Pay for everything with cash or money orders. Don't even use checks. It's easier to overspend when you're pulling from a bank or credit account because you don't know exactly how much is in there. If you have cash, you can see your supply running low. You can even bundle up the predetermined amount of cash allocated for each expense with a label or keep separate jars for each expense (e.g. a bundle/jar for coffee, another for gas, another for miscellaneous). As you pull money from a jar for that particular expense, you'll see how much remains and you'll also be reminded of your limit.
If you need to have credit cards but you don't want the temptation of having them available to use day-to-day, restrict that section of your wallet with a note or picture reminding you of your savings goals.
Remember: cards are not inherently evil; it's all about your self control. If you use them responsibly (i.e. completely pay them off every month), you can benefit from them, as some cards offer cashback on the purchases you make.

If you are particularly responsible, a credit card can earn you additional money by allowing you to delay the payment of items, keeping that cash in the bank earning interest for up to an additional month. For larger bills, such as college tuition, this additional interest can add up. For example, paying a $5,000 tuition bill with a credit card will allow you to keep that $5,000 in a money market account with a 4% interest rate for an extra month, earning you $16.67 in interest. Note: this only works if you have the cash on hand to pay the bill IMMEDIATELY when due.

6) Know where your money is. And how much of it, too. If you accidentally overdraw your bank account, you will incur hefty bank fees; worse yet, the place you paid with that check may slap a bounced check fee on top of that, and send the check in again, resulting in a second overdraft fee from the bank! So just a few cents missing to cover that check could result in over $100 in fees. To avoid that, you should always know how much money you've got in your account(s), so you never cut a check for more than what you have.


7) Pay yourself first. Savings should be your priority, so don’t just say that you’ll save whatever’s left over at the end of the month. Deposit savings into an account (or your piggybank) as soon as you get paid.
You can set up an automatic transfer from your checking account to your savings account.
Many employers allow you to deduct savings from your paycheck. The money is directly deposited in your savings account so you never even see it on your paycheck.
You can also have investments for retirement taken directly out of your pay, and the taxes may be deferred with this option.

SAVING!!!!!!

Yes!! n GRRRR

Korang nak tahu...apa yg membuatkan aku gumbira?


My jeans finnaly go up over my hips....hahahhah...selama nie aku just buat pandangan sayu kat jeans dalam almari tersusun rapi coz sampai tang punggung terus tersekat...waaaa....tp setelah aku mencontrol apa yang aku makan w/pun sebenarnya macam tak control jer..at last jeans tu berjaya aku sarung over my hips....


Abah Aina tersengih jer lah....selalu duk kutuk aku jer....lepas nie turn mama to kutuk abah back.....coz lepas quit da smoking....berat abah semakin menjadi2....atas alasan quit smoking lah..makan..n makan.....

Sebenarnya...aku tak ambik port pun tentang weigt aku nie....coz target aku as long berat tak over 55 kg dah kira oklah...n BML aku normal oraitlah... erk..cuma yg sadis tu before nie...tang punggung jer....tu susah betui nak kawal...
takperlah..as long jeans aku tu dapat dipakai semula.......


The past weekend on Sunday,


Kita orang pi Mid Valley bawa Aina tengok cat show..excited sungguh dia....aku nie tak lah minat sangat ngan kucing2 nie..since Aina suka bangat ngan kucing kitaorg bawaklah....yg tak larat nya mama n abah dia....fuh..letih sungguh dikerjakan oleh si kecik nie...buka main lasak.....menjerit2 tak nak duk dalam stroller..biar lepas...entah mana2 tempat dia duk melencong.. lepas tu..lay down kat floor lah pulak....buat perangai.....nak dukung pulak..letih..

#dahi bertampal coz jatuh kat tanah....ngan Abah dia ler....

Masuk kenny rogers...cari port yg tersorok sikit nak BF dia lah....dia start dah...orang sibuk makan dia nak makan jugak..tak nak suap...nak makan sendiri...bekal yg aku bawak tak layan langsung nak apa yang kita org makan..GRRRRRR.........paksa dia BF tak nak...sampai nak tendang2 itu meja....nak makan jugak apa yang aku makan....nasib baik makanan kenny rogers nie less salt....n aku memang ader order potato salad suka pulak dia makan...nampaknya lepas nie kena try lah pulak resepi tu...

Conclusionnya sekarang kalo bawak Aina go shopping / whatsoeverlah.......memang meletihkan....dengan tantrum dia tu.....GRRRRRR