.Dh lama gila tak update buku bajet sniri.
Few months back, dh lost abes suma yg dibelanja, ntah apa apa ja, sebab nk kawen pnya pasal.
After 1 month giving time for myself to adapt with new things in life, now March is no more for leisure.
Starting March 2011 nieh, i have to record all my expenses.
Dlu start zaman keja, agak disiplin to write it down all the money flow, in and out, plus forecast wht to buy and wht not to buy.
Org berkira mmg mcm nieh, kehkehkehkehhh.
Bukan apa, duit klu byk mcmana pon, if u dont knw how to manage it, mesti rs asek tak cukup.
Simple ways to go, keep all the receipts and also jot it down :
- what is in the bank(s), in the ASB, in other saving acct(s)
- how much to save and remaining is to spend
- how much for car installment + housing
- how much for bills; electric, water, phone, streamyx
- how much for credit card(s)
- how much for parents
- how much for petrol / toll / services
- how much left to eat? Errr... Wht for bfast, lunch, dinner, special on weekends maybe?
- how much left for shopping?Vacation? Entertainment? Errr..
- how much for misc(s) + etc(s). Heeeeee!
This is very useful for tracking purpose, what is not so important which can cut it down.
Save on bills, then can go more for saving.
More on shopping, then can cut on yr good food, or entertainment maybe? Heeeeee.
Then only you will knw, you're on +ve acct balance or on the other way round.
Pagi pagi atau lepas solat ke, atau bila bila ke, amalkan baca doa ni,
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ الْهَمِّ وَالْحَزَنِ وَأَعُوذُ بِكَ مِنْ الْعَجْزِ وَالْكَسَلِ وَأَعُوذُ بِكَ مِنْ الْجُبْنِ وَالْبُخْلِ وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
" Ya Allah, aku berlindung pada-Mu dari rasa sedih dan gelisah; dan aku berlindung pada-Mu dari sikap pengecut dan bakhil; dan aku berlindung pada-Mu dari cengkaman hutang dan penindasan orang"
Moga kami lebih diberkati dan dipermudah segala urusan.
Mode sgt cewi dgn gambo kawen, heeeeeeeeee.