Saturday, February 9, 2013

Ka-ching!


Ka-ching is an imitation of the sound made by cash register, used when someone's action will result in more money whatsoeva apa aku merepak taktahu.

Okay before I proceed, I'd like to show all o'ya something.


Hikhikhik look at what we have here. Request for a post? Wow, I feel lika honeystar popstar! Mihmihmih. K scratch that, so this is it, a post exclusively written for ya Faizah. :D

Just to make sure I won't go astray from what I've been supposed to write, I'll make it like this.

  • she wants to know my budget plan
  • and how I spent my money
Okay lagi jelas kan macam ni. Pergh macam kena buat essay kat section C continuous  writing masa SPM pulak nak point out key words bagai. Wakakaka.

Alright budget plan. Hmm if you define budget plan as how one should set the financial budget, divide the money (divide as in buat partion), set brapa banyak in every partion and plan apa nak beli, set the goal, and whatnot, my answer would be, nope, I don't have one.  

Okay this is my way. Everytime dapat segedabak allowance setiap sem (thanks the Govt. for this tapi kalau allowance naik lagi rasa nak thanks hihi) I'll transfer some of the money to another acc. And I have a rule set by myself, once dah transfer, kau tak boleh guna. Ni kira for future use. Future= 5 years time. In between that, pepandai la survive. Eceh.

Jadi, amount yang aku save automatically jadik tak banyak sebab rule yang aku set tu agak membebankan since dah masuk takleh withdraw dalam masa terdekat. Only MYR 500 every sem. Memandangkan for a sem we are given around MYR 3.2k, there left another MYR 2.7k. 

Normally, I'll spent around MYR 15 untuk makan sehari. Kadang² tak sampai pon, kadang² terlebih. So average dia senang kira MYR 15. So for a month, dah MYR 450 untuk makan ja. Phewhh. MYR 450 didarabkan untuk 5 bulan, err emm lebih kurang MYR 2.2k. 

Sekarang ada lagi MYR 500 tinggal. Yang tinggal ni ikut suka liver aku nak beli apa. Aku ni boleh tahan boros jugak. K bukan boleh tahan boros tapi memang boros, suka shopping ngaak. Kalau aku rasa suka dan mampu, aku akan beli. Pastuh mula la datang perasaan 'ergh kenapa la aku beli benda ni' hmm benci perasaan itu. 

Tak dilupa, aku jugak dapat extra MYR 800 (allowance buku) every year. Yang ni la untuk beli buku + stationery, bayar duit kelas, reload kad TnG untuk balik rumah lol and yada yada tapi normally akan ada lebih. Yang lebih tu aku hadiahkan kat diri aku. Suka hati nak spent macam mana. Ha nampak tak aku sangat  memanjakan diri dekat situ. (jangan contohi)

Sebenarnya aku tak meticulous sangat dalam menguruskan kewangan ni. Sebab aku selalu rasa macam kita boleh mati bila-bila je. Takyah nak berjimat sangat dalam berbelanja. Kalau rasa nak something and you're obviously could afford (afford here is you don't have to ikat perut makan langsir sebab beli smartphone or etc)  that, beli je. Serious, beli je.

Rasanya soalan yang 'how you spent your money' pon dah terjawab kan. So all in all, dalam bahasa mudahnya, aku hanya simpan MYR 500 setiap sem. Yang selebihnya, di spent kan macam yang diceritakan tadi.  

Akhir kata, berbelanja jangan sampai boros, berjimat jangan sampai kedekut. Aku benci orang kedekut. Hahaha. Kalau ada duit lebih, jangan lupa sedekah. Baru barokah sket duit yang kita dapat. Not solely spent on ourselves ja. Baru remaja macam ni.

K, aku rasa tu ja kot nak cakap. Aiseh terpanjang plak. Maklum la syok first time ada request post kakaka. Anyone kalau rasa nak request gak, please, you're most welcome to do so. Apalagi waktu sekarang sebab cuti CNY seminggu oink oink.

K, semoga kita terhindar dari sifat membazir syaitoon dan sifat kedekut syaitoon. Pendek kata semua sifat jahat syaitoon.

 Bui-bui.



8 comments:

Azhafizah Md Nor said...

kadang kadang susah nak budget saving money kan..=__='

Maicher said...

tulah kak fiza. huehuehue

iKhRam said...

menguruskan duit semasa belajar dan semasa sudah bekerja sangat jauh bezanya

nanti dah pegang duit sendiri , baru tau mcm mana nak mengurus duit dgn sebaik-baiknya..

hahaha...

tak lama lagi tu

nnt baru rasa situasa
berkira-kira nak beli sesuatu..
mengidam bulan ni... tahun depan baru dpt.. hahaha

apapun
good luck
dpt elaun tu
manfaatkan lah sebaik2nya..

Maicher said...

bro ikhram. thanks, insyaAllah.

Noor Faizah said...

:o *gasp
U actually did write this, whoaa tenkiu pretty gal!

Baru berkesempatan baca. Kinda surprised jugk la..hahaha!

Thanks,since everytime when I have financial problem, I dont know if I did the right thing on how I spent ma money, and your entry had helped me to do some sort of comparison and self-reflection.

Rupanya, kita lebih kurang sama, except for the saving part. hahaha.

No wonder la I've always been in troubles! LOL!

Again, thanks :D

Maicher said...

faizah. my pleasure! :D

manjae camiela said...

I feel like submitting this entry kat berita pulak. heee

Maicher said...

manjae. aww malu i. *tutup muka* :P