Weekend Project 2/2011 - Cheese Tart Weekend Project 2/2011 - Cheese Tart
Tuesday, March 29, 2011
WEEKEND PROJECT
Weekend Project 2/2011 - Cheese Tart Weekend Project 2/2011 - Cheese Tart
Wednesday, March 16, 2011
Eating Habits
Ilani yang me'lidi' and aku yang ......
Hm..... aku kena control aku nye eating habits nie.... Nak buat carta penakanan lah.... Actually, pernah daftar Marie France.... tapi tak berjaya pun... sebabnye aku kurang berdiscipline utk attend twice a week and control aku nye diet.... aku pernah betah ngan consultant dia gak... aku kata,"Kalau setakat nak control makan, baik saya tak yah daftar MF nie...." Since aku dah bayar, aku teruskan jer la treatment dia.... malas nak bising2.... tapi the imporant things to lose your weight are:
1. Healthy lifestyle i.e bersenam regularly and eat the right food
2. Drink plain water at least 8 glasses a day
Most slimming centre just assist you in:
1. monitoring your weight progress
2. giving consultation on your diet
3. reshaping your body... ye la, kalau kurus mendadak, body tak berapa lawa sangat sebab kulit bole menggeleber... so, those slimming centre reducekan that effect.
So.... I must start to STOP my BAD EATING HABITS!!!!! and start my mission on losing weight!!!
Tuesday, March 15, 2011
MONEY....MONEY....MONEY..... (Part 2 - Final)
Last post, I mentioned about analysis on credit card spending... so, in this post, I will explain about my monthly budget ( it is not for 'complaining', but for me to be more discipline in spending my PRECIOUS MONEY!!!!
My Monthly Budget
I have 2 source of income:
i) from my employment
ii) from my beloved hubby (Thank you my darling....muah...muah... ;* love you...)
so.... here we go.....
From the computation, aku hanya ade RM300 jer untuk mengharungi 30 hari setiap bulan.... so, budget aku setiap hari adalah RM10..... :) Alhamdulillah............... (ingat...kite kena sentiasa redha dan bersyukur.....)
ye la.... cuma satu jer yang terkilan, aku tak leh nak buat saving bulan2..... tak bole nak invest kat mana2 investment..... sedih kan??? so.... Still mencari SINAR........
IMMEDIATE ACTION:
apa yang aku buat la nie..... BERSYUKUR, REDHA and just go with the flow, sambil menanti SINAR........ hehehehe.... kena la Happy jer jalani hidup ini..... Kena selalu motivate diri!!!!! Gambatte ne!!!!
Tuesday, March 8, 2011
MONEY....MONEY....MONEY..... (Part 1)
Aku ade mention about 'kenapa aku masih menanti SINAR', kan???? heheheheh..... sebabnye, IT'S ALL ABOUT MONEY....!!!!!
Setelah berhempas pulas aku berusaha dengan gigih setiap bulan selama 9 bulan lepas, apa yang aku perasan:
- Credit Card outstanding balance aku bertambah.....
- No balance of fund to save or invest
- Tak de duit nak beli barangan cosmetic, buku, majalah, dan makanan yang sedap
- Beli tengok statement KWSP, sangat sedih.... kalau retire nanti, tak sure bole bertahan berapa lama duit tuh....
FINANCIAL ANALYSIS
Aku bahagikan kepada 3 subtitles, which are:
- Monthly Credit Card Balance Movement
- Analysis on Expenses via Credit Card
- Analysis on Spending vs Settlement
Monthly Credit Card Balance Movement
As what I said earlier and from the above graph, my outstanding balance keeps increasing.... huhuhuhu...... :(Analysis on Expenses via Credit Card
This analysis generally explain what I spent using Credit Card.......Biru - Petrol
Ungu - Personal
Kuning - JOHAR (car maintenance)
Merah - Interest on Credit Card
So....Noted the followings:
- Average monthly petrol expenses = RM250
- Average monthly personal exp = RM xxx (rahsia la....)
- Average monthly interest = RMxx (also rahsia)
- Average spending for JOHAR's maintenance every 4 month = RM250, thus conclude that monthly exp for JOHAR = RM63
- High usage for personal expenses
Recommendation:
- Reduce personal expenses
Analysis on Spending vs Settlement
Merah - Spending (Expenses)
Biru - Settlement (Payment)
Oren - Addtional/Reduction to outstandding amount
From the above graph, I can conclude that most of the settlements (payments) are lower compared to spending (expenses) made every month.
Recommendation:
- To pay more than expense.... (bole ke dengan gaji aku yang ciput sekarang nie???)
Itu baru analysis on my credit card.... Belum lagik aku nye budget bulanan......... Aku rasa macam nak pitam tengok analysis tuh.... Honestly, personal expenses tuh tak la banyak mana... and it is related to my spending on barang-barang keperluan i.e. berus gigi, ubat gigi, pantyliner, sabun, dll.... so, nak tak nak kena la cut jugak.... sabun, ubat gigi, shampoo kena jimat.... huhuhuhu.....
Next time aku sambung on my Monthly Budget kay.....
Monday, March 7, 2011
My Life Since Last 9 Months......
Dah lebih setengah tahun aku kat tempat kerja aku sekarang nie...... Dulu punya la tension sebab gaji ciput..... ye la, nak dibandingkan tempat kerja lama aku (which is Audit Firm as External Auditor ("EA")), gaji aku yang kat tempat baru nie 50% kurang daripada gaji lama aku.....
Kawan2 aku yang EA semua tanya kenapa la aku nie terima keje kat tempat nie.... Aku pun tak tau la kenapa... hehehehe..... Actually, agak sukar aku carik keje kat JB nie.... Rata2 companies besar2 kat JB are manufacturing co, construction co, or developers.... Kalau Contruction and Developer Companies, aku tak pernah apply... sebab tak berapa yakin lak aku bole buat accounts dia.... Manufacturing lak, rata2 nak chinese speaking or located kat pasir gudang.... mak aiihh... jauh tuh perjalanan aku kalau aku dapat keje kat sana.... tak sanggup aku.... so, disebabkan perangai aku yang memilih nie, aku susah la kot nak dapat keje lain....
BORN AS AN AUDITOR
Kat tempat 'so called' baru nie, aku still berjawatan auditor.... tapi internal auditor la.... Muke aku nie memang dah ade chop 'AUDITOR' kot.......'Boss besar' kata aku tak leh jawat position senior sebab dia kata aku tak de 'CIA' (Certified Internal Auditor).... ye la... katanye IA ngan EA is TOTALLY diffirent.... aku malas nak debut... amik jer la position apa pun dia nak bagik..... kalau betah banyak2 pun, bukannye bole menang pun.....
DEMOTIVATED
Kalau cakap pasal perasaan aku, memang waktu awal2 tuh tiap-tiap kali dapat gaji, aku demotivated.... dah la kena turun pangkat (from Assistant Manager in EA Firm to Junior Exec in IA Co.), turun gaji lak tuh!!!! aku rasa kalau orang lain pun akan demotivated..... so, EVERY month aku motivate diri aku agar bersabar and buat keje dengan sungguh2..... Kengkadang rasa tension..... setiap kali aku dapat keje baru, aku mesti kena start dari bawah balik..... kire kena panjat tangga satu per satu.... penat keje kat EA firm dulu.... 5 tahun aku kat EA firm (kat KL lak tuh), developed aku nye CAREER.... tiba2 sampai kat JB, aku kena start all over again.... tak pe la....Insya'Allah, ade hikmah disebalik apa yang terjadi.... Aku redha...
DEMI ARISSA RIZQEEN.... Mummy love you so much.....
HIKMAH YANG DI'ANALYSED'
Tapi aku seronok gak la.... sebab:
6. WORKLOAD - Alhamdulillah.... Setakat nie, still bole cope... tak la macam dulu.... rasa nak bernafas pun sesak..... heheheheh.....
MENANTI.........
Akan tetapi, aku still menanti SINAR..... Kenapa? Tunggu post aku yang seterusnye......
Wednesday, March 2, 2011
A Comeback of A Diva
SO......................... HERE I COME!!!!!! the NEW ME!!!! (really..... we'll see berapa lama aku bole bertahan... hehehehehe.....)