ANY MALAY MUMS HERE?

mak bapak aku pun tak mampu nak beli barang2 rumah in cash. amik instalments from SAFE superstore.
tapi aku adik bradik masih gi skolah, ada food on the table, ada poket money.

but dorang very disciplined. every mth mesti nak ada duit untuk disedut SAFE!
kita tak dapat merayap, takder kereta, takder enjoy2....
my mom pernah criter. dia takder duit lagi.
gaji in 3days time. so dia amik leave for 3days, just so she can stay home & save transport money...
 


<font color="119911">sabrina
my doter ada thus my son kai her acct to deduct e fees there.
its a dollar to dollar match so if u top up for 2009 - $1K, govt will match $1K if u dont put then tak da ah..
as for shool fees, they will deduct e whole price say zulfa is $120, it will $120 deducted mthly &amp; provided uve got money in the CDA jus like GIRO

err paham tak?</font>
 
i declare - i lurrrve my husband....
NO NO NO INSTALMENT!!!
save save save, den go buy!!!!

no money, dun talk!
no flatscreen tv? nemindddd!!!! got cheaper box tv, beli jer!
no tv terus? better stilllll..... make love more often! hahhaha
but lower electricity consumption, higher water consumption
 
<font color="ff6000">Sabrina,
I used CDA and save $50-$100 to another a/c for my boys. Every 6 months, I'll deposit to CDA for the matching purposes.</font>
 
<font color="000000">Lynzi
I never look upon myself as a pro..i'm just a small pea..jgn ingat i nie bagus sgt..byk lagi yg harus dipelajari dan diperbaiki..

nak ikot kan..i prefer mknan org lain masak..mcm suka rasa2 mknan org masak..kekadang tak termkn bila dah masak sdr..</font>
 
<font color="ff6000">
Sabrina,
You have to open if not, during your enrolment..u hv to pay cash first. Once CDA apprvd, baru deductable as it will take max 1 month.</font>
 
Shahlynn

aku sama mcm ko... credit card simpan kat umah jer. kekadang tu NETS kad pun simpan.Bwk cash. Kalo ader cash beli, kalo tak cukup tak payah. Been doing that for the past mths..

Ku dan anak2 ku hidup in sederhana...

Laki ku lah manusia paling happy dlm dunia when he sees my changing spending habit lately.
happy.gif
 
Im back from lunch. Hmm.. Ckp aper nie.. pasal duit ? Haiz...

so far, Alhamdullilah. For me, my money management is good. Got sense lah. I arrange everything in the house, so far takder surat merah. I pun loan free.. cuma rumah via CPF.. that's all.
 
*tolak Shahlynn ketepi, and duduk sebelah Nora Aw dgn rifle M16 ditangan. Suddenly Nora Aw teringat yg Wati adalah security yg ditempah bulan Ogos lalu*
 
<font color="ff0000">Sab

CDA
I can only deposit to match not later than my son 6yrs old...so brapa byk deposit to make it 6k within 6yrs...sape yg tak nak govt punya 6k to match.</font>
 
sabrina,
my credit card i tak renew since 2003.
kadang2 menyesal pun ada.... tapi sekurang2nya, bleh tarik nafas lega.


wati,
time i took kursus rumah tangga @ arqam, ada dis ustaz. he hate loans sooo much, sampaikan motor dia beli cash. and rumah dia sewa from hdb. sebab dia kata, pakai CPF pun loan &amp; ada riba!
so while waiting for his &amp; his wife's CPF to reach 200k, he sewa rumah dulu. nanti dah cukup, he nak bayar one lump sum.
teringat aku kat dia! hensem plak tu!
hehehheh
 
<font color="aa00aa">notty,
u are rite.
bila masak sendiri selalu i takde selera nak makan makanan yg masak sendiri...
hehe..

pasal secret savings tu...i always think its a must for every woman to have..hehehe..

nora,
banyaklah kira barang kemas eh..
setahu aku, kau jenis tak suka pakai barang kemas tau..
ni kira barang ekmas ke kira gold bar..
kalau kira gold bar..aku lak nak jadi dayang kau lah since wati dah jadi bodyguard..hehehe</font>
 
I belum sempat nak bukak savings sendiri, tapi insyallah coming soon. Now dah tak payah bayar duit driving.. so bleh save..
 
barang kemas
mcm real jer.. hehhehe

nowadays i pun dah taubat tau. i tak spend freely.. i hv toned down a lot.. this is also part of 2009 new yrs resolution

now i really pikir.. if i need it and last time i tend to buy in bulk.. now i just buy what i need bec sale pun selalu sekarang
 
<font color="aa00aa">me still here..
comtemplating on whether to go for agc movie nite tak..they are screening transformers yg coming in june tu..each person dapat 2 tix plus snack combo..hmmm</font>
 
<font color="119911">Dan
i saw it earlier too.. hehe anyway thx for sharing &amp; btw dat dae yg u nya yg besar tu u managed to sell?

ive got one NA crocs, ALICE dark blue clr size 39 sesapa sudi take over? its gg for only $16with postage</font>
 
i kat umah orang segan nak pakai pc lama lama n selalu...segannnnnnn skali...so once a while ajer lahhh.....windu kat i takkkk??? kekekekeke
 
Dan....

half way there...by 30th my id cakap bole campak barang into 1 room, by mid june i bole amik kunci from him oready...dat day i see they put bath tub...bestnya!!!!
 


<font color="ff0000">I nak pack nak balik...boring kat opis nie
Furthermore, my kiddos semua demam since Monday...

dah golap...hujan nak turuuunnnnn!!!</font>
 
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