How to S.A.V.E your money?

1. SAVING..SAVING.. SAVING!:

Easy to say but not soo easy to practice! My style, every month i will give certain amount to my MOM (sorry amount terpaksa dirahsiakan ats tujuan keselamatan).. Only your mom will take care your money very well compare urself! Tapi, jgn lh dh kasi simpan, tak smpai seminggu kamu tergedik2 minta blk even RM 10!! No.. No.. Dah lari concept namanyer.. Xsalah kamu ber”saving”, bukan utk sape pun..

2. CREDIT CARD vs DEBIT CARD:

Credit card a.k.a  RM plastic. Bnda ni depends pada individu. For me NO MONEY, NO TRANSACTION! I just use debit card utk isi minyak MYVI ku.. Thats all.. The rest, all the transaction cash only. Bila xde RM duk diam2 kat umah tgk TV sambil mkn cekodok. Maybe people think i’m old fashion, xikut trend muda mudi ada kredit card bagai, dun care! Janji every end of the month kepale tak duk garu2 xcukup RM nk bayar. Tapi sangat respect and tabik spring pada mereka yang boley pakai dgn cara berhemah, byr ikut time, pakai time emergency je bukan untuk bermegah2.. Tapi xsume kot! In future, YES! I will grab one credit card but not today lorr… *tgh bygkn gaji sy RM 10k per month..ZzzzzZzzzz!*

3. FAST FOODS:

Hohohoohoooh.. I love McDonalds soooooo much! Last 4 years everyday mkn mcd… <zaman2 kegemilangan di UiTM, Shah Alam> Pagi, petang, siang, malam. But now, I just ctrl my self once per week… So, bila nmpk drive thru buat2 terlajak kan.. OR jangan lalu tmpt yg ada drive thru Mcd, confirm tangan gatal je kasi signal mau ke sana. Bayangkan skali pg RM 10 mesti abes.. (Minimum jer ni) Tu tak termasuk nk tmbah aiskrim lah, nugget lah, mcflurry oreo lah.. Adooiii~~ Thts why i’m always “pau” my boy…!

4. WINDOW SHOPPING:

Sgt2 bhya! Especially for kaum Hawa mcm saya.. Mula2 ckp nk jln2 je.. Hilangkan bosan! Arggghhh.. stupid reason lorr.. Mesti ada je at least 1 item yang akan di bawa pulang. To be safe, jgn pg window shopping! Unless mmg nk cr barang utk dibeli. Itu boley di maafkan yer..

5. MAGAZINE:

For MPH staff, maafkan saya! Hahahhaha.. The next tips, feel free to go to MPH for magazine, I mean reading for FREE.. :p! Before this, i can spends RM 100 per month for purchase magazine only.. Byk tu. Tapi skrg tidak lagi. (so lucky because i have time to “mengularkan diri” & opis dkt mid valley). So skrg purchase selective magazine only especially wedding collection. Less than RM 20 per month! Wink~~~Wink~~

6. LOVE YOUR CAR:

Why?? Kereta pun ada perasaan.. Pay your installment every month bukan 2 bulan skali or 3 bulan skali.. Bayangkan brapa bnyk  “bunga” cinta yang kamu kumpul (interest) or telepon kamu berlagu riang di kala org bank sebok tepon tnya bila kamu mau byr!! In addition, plzzzz service your car on time. Just imagine if your car buat hal tgh2 jln, di bulan mengambang.. RM melayang plus your safety.

7. BAWA BEKAL:

Ahaaaaa~~ Knapa xcaya? Wpun umur saya sudah 20++, i’m still bawak bekal k. Wpun bukan everyday. Xkisah lah, roti bubuh jem strawberry ke, nasi lauk smbal ikan & sayur goreng ke (bubuh kicap sket kat nasi). But believe me, mmg akan selamatkan RM di poket kamu tu. Especially mcm saya yang makan ikut waktu & suka mengunyah xikut waktu. Key important; RAJIN & TAK MALU org lain duk ngumpat kamu masih bawak bekal kat tmpt kerja.. Hey! Suka atilah.. !

8. SIDE INCOME/SMALL BUSS:

Why I start my own buss? First, too bored when i start working as P.A.. So, tgh belek2 FB ari2, terjumpa satu page yg jual perfumelh, bj lh, beg lh.. So, my head mula ligat! Tadaaaa~~ Now Pefume City makin berkembang.. Alhamdulilah! Wpun kadang2 sales ada up down, standard meh… Bukan ari2 org beli perfume kotzz..

9. MONEY FOR MAK & ABAH

Walau beribu gaji kamu, xkan berkat if kamu xhulur sehinggit dua kat diaorg. Mmg diaorg akan ckp “xpelh, mak & abah ada pencen sdiri, kamu tu yg nk pakai RM” tpppppp.. xsalahkn if hulur sket, amik berkat. Berbesar hati sket org tua tu, dpt anak yg sedar diri. At least u appreciate them n ada gak rs kenang budi.

10.  DISPLIN!!!

If xde displin or ayat lebih mudah, tabah hati.. Lupakan tips2 sy di atas. So, jgn slhkan jiran sebelah if kamu xcukup RM almost every month. Sekian Terima Kasih! :p LotsofLove~~

4 thoughts on “How to S.A.V.E your money?

  1. pergila tukar kerja..
    jd big GM plak…

    kih kih kih….
    jgn luper jenguk2 blog aku eh=))

    entry nie wat aku tambah rindu kat ko!!!
    teringat ikan sambal separoh sorng + nasi + sayur rebus…= kenyang gak!!!

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