adik baby

Rasa happy sgt pagi ni, time check up tadi berat berjaya bertambah 1.5kg! Akhirnye setelah penat mkn dan berusaha hohoho. Alhamdulillah adik baby sihat...berat skarang dlm 800++gram, aktif pusing dan gerak2 spt biasa. Jantina masih menjadi tanda tanyer..main sorok2 plak dia eh! Mother's instinct rasa macam boy jugak...tapi kalau dpt girl kira bonus la :) Bila tanye idlan...dia nak sorang adik boy, sorang adik girl! Adik boy boley main mainan power rangers dia, kalau girl..."mama kena beli patung Barbie, idlan nak pinjam".

Mother's Day dah dekat...dah plan nak kasi hadiah ape pada mak anda? beli kad...blanjer makan? Sometimes mak2 kite bukan mengharapkan hadiah..cukuplah dgn ucapan kasih sayang dan doa yg berpanjangan dari kite, anak2 mereka. Aku blom beli hadiah ape lagi...cuma dlm hati dah niat nak bakar kek utk umi....niat pasang dah lama, harap2 masa dan kudrat mengizinkan :)

Borak panjang dgn umi minggu lepas, tiba2 masuk citer bab rezeki. Umi slalu pesan, jgnla ukur rezeki tu berdasarkan monetary values sahaja. Think in broader scope, rezeki dari Dia diberi dlm pelbagai bentuk. Macam umiku, dia kata sgt bersyukur sbb dpt suami yg baik, anak2 yg bijak, menantu yg baik (kembang semangkuk pruz kalo dgr nih :p), cucu yg bijak dan comel dan pendapatan yg tetap. Dulu hidup dia susah, tapi rezeki dari Allah...kini hidup dia lebih senang, walaupun belum sampai kategori 'orang kaya'...tapi dia rasa tenang dan bahagia. Cukuplah ape yg ada skarang ni.

So kengkawan, sentiasalah bersyukur dgn ape yg kite ada...bila kite susah, ingatla yg ramai lagi org di luar sana lebih susah dari kite...diberi dugaan yg lebih kuat dari kite. Bila kite rasa putus asa dan sedih dgn sesuatu, cuba yakinkan diri yg pasti ade jln penyelesaian, pasti ade sinar yg menanti di hari muka :)

The power of compounding

Let’s go back to our financial mgmt class and refresh the formula for calculating our future value of money…..

FV = PV (1+k) to the power of n

Eg: How much your RM1000 will worth in 2 years with rate of return of 4.5%?
FV = 1000 (1+0.045) to the power of 2
= RM1092.03

If we take the average rate of return for unit trust fund, for instance 10%, let’s see how much you’ll be getting….
FV = 1000 (1+0.10) to the power of 2
= RM1210

See the power of compounding? Shocking but true :)

Most of the financial gurus place emphasis on instilling discipline when it comes to savings and investment. Hence do not make excuse to yourself by saying…. “i cannot invest now because I do not have enough money”….or “I think I need to wait until my income reaches xxx before I can start saving and investing”.

Always remember the Malay phrase, “sikit-sikit lama-lama jadi bukit”.
If you can’t afford to invest RM1000, you may start small by putting aside RM100 per month. After all, what matters is to start early than never. And the good thing about unit trust, you’ll have the opportunity to invest in big and well-diversified stocks portfolios instead of just dumping your big money in one big stock, and experience the risk of losing during market downfall.

(* I've been given the greenlight to attend the "Save ur Future II: Financial Planning training" by my dearest bos :) So kengkawan...see u all there!)

The Rule of 72

Good news, Public Mutual will declare distributions (i.e. dividend) for two of its existing fund, Public Ittikal and Public Islamic Equity Fund (PIEF) on 31 May 08. So for those who invests before 31 May, you'll be automatically eligible to receive such income distributions. Last year distribution for these funds was 10 cents and 5 cents/unit respectively. So let's not wait and start invest now :) But remember, past performance is not an indication of future performance. Knowledge is still the KEY.

I'd like to share something for today.....

The Rule of 72
Divide 72 by the rate of return of any investment and the answer you get is the approximate number of years it takes for that investment to DOUBLE in value.
72 / Rate of Return = No. of years to DOUBLE money

For example, how many years you need to take to DOUBLE your RM100k if the interest rate is 10%?
72/10%=7.2 years

So, the answer is 7 years. That means you need to take 7 years to DOUBLE your RM100k to become RM200k if the interest rate is 10%.

You may replace 10% with the Tabung Haji/ASB/fixed deposit/etc rate accordingly into the formula.

bila dah tepu....

Humm the blog has been left unattended for a while. Due to the office works plus tonnes of 'tough' assignments, cases n watnots...i easily became worn out at the end of the day...brain drain poor me huhuhu tepu sungguh help!!! How i wish to swing my magic wand and turn the day into the lovely June....yeahh the month of June where i can foresee myself goyang kaki at kampung and munching loads of chocolates bought in Langkawi muhehehhe. Oppsss a slap in my face again..wake up dear berangan je dang!

May is coming....we have B's besday and mother's day to celebrate. Deep inside i wish i could bake cakes for them...chocolate cake topped with rich blueberry and yummylicious cold whipped cream...or maybe carrot cake topped with cream cheese, my mom's favourite! Needless to say, i have class every weekend....and those special days happen to fall on weekend as well. Now don't you think i have all the concrete reason on earth to snatch one at SR? :p Sorry friends...i'm fasting today...and when fasting i couldn't help myself to stop thinking about foods and foods....plus Aini has mentioned in her blog about Paddington in MV and am start wandering on the wide array of foods offered at that place. Adui am so pathetic :(

Those investing in unit trust, you better catch the Personal Money mag this month. And i'll share my personal take on the unit trust investment later when i'm free....

And for those prefer to dump some money in stocks, you may ought to aim at plantation stocks due to its promising future and the global rising of CPO prices, plus the limited production and increase demands for crude oil. I've fared quite well in one of my selections so far alhamdulillah. But bear in mind, do your research first before investing in any investment tools. Never put your 100% trust on the agents/consultants/broker because it's your hard-earned money that we're talking, not them.

Knowledge is key :)

Save Your Future II : Financial Planning Program for TMexScholars

Salam kengkawan,

Referred email from En Zainal kita, jomla reramai pegi!
________________________________________________________________________________
A. GENERAL MODULE - 13th May 2008

FULL DAY SESSION - (8.45 AM - 5.00 PM)

Venue : Seminar Hall, 50th Floor, Menara TM, Jln Pantai Baharu
Synopsis : Explanation about Current Economic Situation and Financial Planning Tips for TM Executive.


B. SPECIFIC MODULES (Workshop/Practical) - 27th - 28th May 2008

FULL DAY SESSION (8.45 AM - 5.00 PM)

Venue : Training room 1,2,3 & 4, at 50th Floor, Menara TM

Module 1 : Managing Your Expenses, Credit Management, Saving, Tax Planning & Retirement Planning
Module 2 : Various Types of Invesment & Portfolio, Education, Property Investment, etcs.

argghh i need a break...with the assignment workloads, presentation n whatnots...need to gasp some fresh air and ideas. And my colleague is now 'holidaying' in Japan for 2 weeks, leaving me and a new leasing staff alone to handle those demanding n fussy customers.

*Ina awak balik nanti kite plak cuti 2 minggu muahahhaa

Announcement

Assalamualaikum!

Just to inform that all stuffs for sales have been relocated to http://nisastore.blogspot.com

So for those interested to get new muslimah t-shirts, telekung, tudung and kain, you may always visit our store for the latest collection.

kain samarinda

Assalamualaikum...

Latest item for sale, kain samarinda from Indonesia..purple+black in colour.
Suitable for both male (jadi kain pelekat) and ladies (to be matched with plain baju).
Kain samarinda ade byk jenis....yang ni kain dia lembut dan sejuk...tak perlu lining.
Sale price: RM25

I'll relocate all these 'for-sale items' at a new blog soon...to be announced later.

1] Azam nak buat popia and karipap frozen tercapai. Tapi hanya mampu bertahan selama 3-4 hari jer...sehari goreng 8-10 ketul...3 hari dah hampir zappppp! Tu pon mkn 2 org jer :p

2] Semlm check up, baby in breech position gulpp! Harap2 jgnla si adik ni mengikut jejak langkah si abang :)

Patutla skarang asyik terasa nak pegi toilet, kaki dia duk menendang2 bhgn bwh jer huhu.

Oh berat badan saya masih tak berubah....maintain at 5xkg..should i be worry or not? Ni dah masuk 5 bulan...pelik kenape berat tak naik. First pregnancy berat saya shot up to 69kg before masuk operation theatre :) Lucky urine test clear, saya risau jugak takut tetiba detect kencing manis sbb semenjak dua menjak ni almost everyday tibai eskrem and minum apple juice....hmm lazats!

3] Dah abis khatam buku adam khoo (less than 10 days hehe), dan saya masih blajar lagi cara2 nak mendiversifykan duit lebih utk investment. Salah satu pesanan basic adam, kurangkan expenses, and increasekan income. Tapi nampak gaya habit mkn di luar saya susah nak dihapuskan :p

4] Tak sia2 kami bertukar dari pediasure ke enfakid...masalah buang air besar idlan suddenly resolved alhamdulillah! Sebelum ni kerap tukar susu, kerap jumpe paed, mkn oren 3 biji sehari pon payah dia nak membuang. Tapi last 2 weeks consultant mead johnson kat careffoure sarankan kami beli enfakid sbb pediasure tu susu soya rupanyer (kami tak tahu!), dia claim enfa kaya dgn fiber, khasiat pon lebih dari pediasure. Skarang consistent minum susu tuh, almost everyday dia membuang....syukurnyer rasa:)
Idlan pon happy je borak2 time duduk atas potty dlm toilet tuh hehe

Cord blood stem cells

1] I watched Nona yesterday and part of the program covers on the discovery of cord blood stem cells, believed to be able to treat certain type of diseases. It is still new in Malaysia, i think less than four private companies are currently offering the cord blood banks services. The blood is taken from the newborn's umbilical cord and placenta right after birth, courier to the blood bank and is stored for future use under certain temperature. I surfed the net just now, the blood can be used to treat a number of blood and immune-system related genetic diseases, cancers, and disorders, and also for diseases usually treated with bone marrow transplants. Some of the true cases featured by one of the private banks in Malaysia revealed the success of treating patient with thalassemia, foot ulcers, and leg been amputated due to diabetic. (Just for info, a stem cell is the one that can develops other blood types in our body, namely the red blood cells, white blood cells and platelets).

The rough cost for subscribing the service, RM800 for collecting the blood and another RM250 p/annum for the storage fee. Not sure whether there's any hidden costs involved. So anyone cares to comment? u're almost welcome. I still havent search on the ethical issues underlying the storage of this cells for transplant/usage of other people....will put up the info once i've done my reading on that.

2] Im about to enter my fifth-month of pregnancy journey, and the baby has starts wriggling here n there, producing soft movements that sometimes very hard to locate. What a nice moment.....

3] Being cheeky at certain times, Idlan will call me 'Ibu' or his abah 'Ayah' followed by his mischievous smile. He'll continue addressing us like that while pleading and asking for something. When 'ibu' does not work i'll turn into 'mummy' the minutes after :p Sangat manja sekarang dan pandai buat2 merajuk :) He eats on his own now, nevertheless i've to be extra patient during n after meal times, picking up the leftovers on the floor.

4] Exam is over, and i've determined to finish up Adam Khoo's book while the time permits. We'll see if im inspired enough as Farra, striving for a financial freedom :) But one thing for sure, we will not switch to a new sofa....definitely not NOW hehe...be frugal ok! And yes tomorrow am gonna queue in for this one blue chip shares i've aiming for since the past few weeks but am just too lazy to go to TH and withdraw the money. But hey if u dont make a move do not expect the money to be rolling over in front of ur eyes like a magic :p You're no way a Copperfield arent u?

.............last but not least, am also determine to stock up the freezer with karipap and popia frozen, my hubby's favourite (off-topic sket :p) while having this 2-week holiday break!

Had a blast fun last week...took off since Thursday to settle our home refinancing thingy with the co, hanging around at jusco nearby to look out for the sales extravaganza, and settled back home with 2 flat sandals (tq abah muah muahss) and some clothes for the anak bujang. Now i can comfortably walk to the office without hearing my officemate scolding for my high heels :p

Friday was spent from morning till evening at Midvalley (obviously we left idlan at nursery :). Continue look around for this and that, even tho i had no specific things to buy in mind actually. Just a personal treat to myself selepas penat bekerja dan belajar (baju sket, kasut sket, baju idlan)....alhamdulillah, thanks to my co for the fat bonus (tho the money hasnt comes in hand yet:). Tapi nama je personal treat, back at home i realized majority of the items bought again goes to the anak teruna. Back to the bonus, i've allocated about 20% of it for my family, that inclusive of jln2 mkn angin to langkawi this coming june. The rest i'll just park to TH since i have no other things to buy at the moment. Penat pk nak beli ape tapi dah takder benda...hmm might as well simpan jela kan...nak beli breast pump terlalu awal sgt plak hehe...nak shop for adik baby pon still too early, nak tukar sofa baru hmm sayang plak sofa lama :p

On saturday the whole family including my MIL, BIL, sis, and idlan' cousins went to Aquaria, Mines and lastly jusco (again!). The trip to Aquaria was fun, kira okla since we managed to catch the feeding show, holds the star fish aka patrick spongebob, watched the giant sharks and stingrays swimming around above our head, etc etc. Tapi yg lawak, idlan takut ngan sumer fish2 yg besar bagak tuh hehe...adoi la anakku! We conclude the night with mkn sate. Balik rumah flat habis.

So that's it. Ahaa adik baby has start kicking, the momentum is very soft and i need to stay still and fully concentrate to feel it. Consider quite early since abg dia dulu start kick time 6-7months++ kots.
I'm gonna have xm this coming saturday, and that marks the end of the first final four paper!

adik baby

1] Pagi tadi monthly check up, spt biasa bila tiba time check up mesti berdebar....fobia kes dulu masih ada dlm hati ni. Bila check tekanan, cek berat..semua tak berubah, sama je. Doc siap ckp, awak ni tak makan ke? Kengkawan dan jiran pon slalu tegur...keciknyer perut, kenape tak nampak perut lagi, dan pelbagai lah komen derang lagi...risau betul aku. Everyday tgk perut kat cermin, belek-belek and wondering kenape perut tak buncit sgt :P Makan dah pulun giler dah rasa, org lain pressure nak kurus, aku pressure nak tambah berat. Tapi malu nak ckp doctor...sebenarnyer saya tgh pulun ganti pose muhehehe

Bila scan, alhamdulillah adik baby bergerak aktif. Kejap aksi gitu, gini, doc kata dia rajin wat sommersault. Sebenarnye aku cuma nampak kepala ngan heartbeat je...lelain kurang jelas, maybe sbb aku tgh baring kot. Walhal doc tunjuk tangan, kaki, soket mata, perut....sekali tu adik baby siap bye bye lagi tangan dia hehe...sweet! EDD patutnyer 16 august, tapi scan tadi EDD berganjak ke 8 august..wah kalo betul kuar time tuh...bestnyer tarikh, senang celebrate besday skali ngan mama dia :)

Umi slalu tanye, ade beza tak pregnant kali ni dgn dulu? Rasanya sama je, except time Idlan dulu kena loya2 yg teruk sampai kes berenti MBA. Kali ni langsung takde loya2, tapi slalu sakit kepala yg cuma bley hilang bila telan ubat. Other than that, sumer ok..mkn sumer benda aku lalu..tak pernah tak lalu hehe. Ops satu lagi, pregnant kali ni tahap kemalasan aku bercambah2 bak dewa....manjang asyik tido je...mmg sgt tak produktif! Klas dah start sebulan, tapi baru sekali bukak buku teks...tu pun baca 1 page...dah tutup and TIDO. Masya Allah tak tahu kenape jadi malas sampai camni skali. Slalu ckp husband, risaula tak blajar lagi...tapi tade inisiatif nak bukak buku. Rasanya spt biasa akan jadi last minute study and apply cuti study 2-3 ari before exam.

2] Weekend lepas kami habiskan masa pegi birthday party...2 anak jiran, 1 lagi anak ofismate husband. Nampak gaya event besday di kawasan rumah kami ni dah jadi cam tradisi plak, bermula dgn besday idlan, berjangkit ke jiran depan rumah, sebelah rumah, etc. Seronok sbb semua budak2 ni lebih kurang sama baya..mak ayah pon lebih kurang baya2 kami and early 30s...so sumer boleh jadi geng yg ngam. Pegi dari satu rumah ke rumah pon segerombolan cam mak kiah. Satu lagi party tu dibuat kat McD Equine Park...siap ade mascot lagi, tapi nak jadikan citer, budak sorang ni takut ngan mascot bird yg besar tuh...so time potong kek mama ngan budak sorang ni terpaksa tgk dari jauh je, dan mama nyer tak dpt merasa kek besday. Budak tuh tak lain tak bukan Idlan! Time main games, ade game musical chair...tapi idlan dgn blur nyer ikut je bebudak lain round the chair, bila music stop..dia terpinga-pinga...hehe sian dia...kecik lagi kot, tak paham rules of the game.

mari membebel

Penat la sehari dua ni. Penat ngan assigment, penat ngan keje, stress dgn customer. Ni excerpt from email customer, dari kelmarin sampai hari ni dia buat saya migrain dan stress....hilang pahala puasa saya dek sumpah seranah yg kuar dari mulutku ini. Email dia membuatkan darah saya menyirap, bila berckp dalam telefon, adus lagi hundred times menyirap...mujur tak kena heart attack. Kalau ade 3 org perangai macam ni, confirm saya kena high blood pressure.

You are trying to tell me some reason on this and that and yes or no, and trying to blame me because of the failed test yesterday.
Please barr in mind the issue we have submitted for 2 weeks and your join test previously no avail too.

I am here not to hear any reason or explanation.
I am here to seek for resolution and solve the case immediate and this is what you suppose to do.
I am here to pay portion of your salary.

We really disappointed after yesterday xxx blame, this morning xxx blame.
I don’t think you feel sad and sorry about the case pending for 2 weeks and the case getting serious and serious.

Cut the words short, the traffic start to re-direct today.
It is not easy to build the business relationship. You have broken it.

Well, apa yg saya dan bos tahu, kami tak salah...we're on the right side. Dia yg tak faham, berlagak pandai, taknak cooperate, hanya tahu memblame company kami, etc etc %$%$%##%#%#%^%^

Yang paling lawak, bila dia kata dia nak route away from company kami a.k.a. nak end kan the business relationship, tiba-tiba tak lama kemudian datang email baru menyuruh kami continue solve kan problem dia....bukankah ke itu sangat tak malu? ohhh tidakkkkk saya tak paham kenapa this kind of customer boleh wujud dalam dunia ini! Ya Allah..kuatkanlah tahap kesabaran saya........saya taknak migrain lagi esok..kes ni masih tak settle...stressnyer rasa :( Saya cume berharap dia tak escalate kes ni ke VP..kalo tidak abisla kami.

Received sms from Ijah last night informing she is scheduled for c-sect this coming Friday 22/2/08 @ Sjmc. Baby in breech condition, senasib ngan Idlan dulu.
To Ijah, gud laks and dont worry too much...insya Allah everything will be fine. Jgn lupa mkn ikan haruan bebyk ok!

more, pls visit http://ijjah-an.blogspot.com

1] Trip to Ikea last weekend, 2 hours stucked in traffic due to Hindraf's gathering, mmg sgt hampeh. But since we'd promised to buy him this cutie table n chair, still proceed with the journey despite abah yg dah naik darah tahan sabar :p We bought 1 red table, 1 blue chair for Idlan, and 1 round stool for adik baby...lucky adik baby, lambat lagi keluar tapi dah ade kerusi comel menanti :)

abang yg happy!


Compartment isi crayon

2] Ni la projek beads tuh...senget bengot dan caca-marba...trial je, buat pon atas baju kebaya yg confem takleh pakai sampai akhir taun ni kots? Mmg enjoy buat nih...tapi requires high patience and concentration :p

Skang dah siap berangan nak jahit beads utk baju raya time confinement nanti muhhehehe. Kalau adik baby girl, waaa sure mama jahitkan beads utk baju kurung raya dia :)

today's lesson

Who creates the sun?
Allah...
Who creates the sky?
Allah..
Who creates the bird?
Allah..
Who creates Idlan?
Allah...

Do you love your mama?
Yesssss
Do you love your abah?
Yesssss

Time dia naughty....
Do you love your mama?
Noooo
Do you love your abah?
Noooo

Alhamdulillah he knows his Creator....even tho im not sure whether he really understands the word "Allah" or not...his answer at least relieves me in some way.

On the other notes, im now utilizing the free time i have during night time sewing beads...yepp beads beads beads! Either i easily got excited to do something new, or easily get influenced by my colleagues upon seeing them indulged with all these tiny bitsy thingy. Doing this job requires extra patience and passion, sakit pinggang and mata woo tunduk jer! It's halfway done now. Tadelah cun pun...i guess the outcome is so-so la for an amateur like me muehehhe..i'll upload the pics later kalo rajin. The last time i touched beads and needle, was about 5 yrs ago kot...jahit beads on my wedding dress. My husband even gave this 'remarkable' remarks when seeing me taking out my colourful beads fresh out of the plastic....."jahit seluar idlan yg koyak pon malas, ni kan pula nak jahit beads!"

hohoho no doubt it's true...saya mmg pemalas...but at times can become soooo rajin tak bertempat!

Lamanya tak masuk ofis. Plan asal nak menyambut CNY di kampung hubby, tapi last skali berkampung kat kl jer....

Bermula Ahad mlm, idlan kena demam panas tiba-tiba. Isnin amik ubat. Aku amik EL jaga idlan di rumah.
Selasa - idlan demam + sesema + batuk. Aku plak dah mula rasa seram2 sejuk dan lemah satu badan. Tapi still think positive..igtkan penat mengandung :p Pegi hospital an nur utk antenatal check up, siap suruh doc amik darah sbb almost everyday aku sakit kepala..risau takut anemia ke ape ker....alhamdulillah dah nampak baby bergerak aktif walaupun aku still takleh rasa. Syukur. Amik ubat baru utk idlan sama.
Rabu- Pruz amik cuti. Aku rasa makin teruk, tak larat nak jaga idlan..tak larat jaga diri sendiri. Pegi an nur lagi skali, kali ni utk amik ubat aku plak. Doc kasi panadol ngan antibiotik yg selamat utk pregnant mom.
Kamis - Idlan still teruk, aku pon teruk gak....pegi an nur, doc suruh wat blood test. Idlan kena viral fever, aku kena viral+bacterial infection. Idlan strong, langsung tak nangis time amik darah.
Jumaat - rehat kat rumah. Idlan ok sket..aku masih tade perubahan. Tetiba kena batuk berkahak yg teruk. Petang abah bwk idlan kluar rumah..kasik berpeluh..naik basikal, gi playground....mlm tu dia dah sihat. Sempat gi Jusco beli hadiah besday jiran depan rumah.
Sabtu - idlan dah ok, tinggal batuk and sesema sket. Ptg gi umah jiran besday anak dia..siap jemput clown dtg tiup belon..meriah sungguh. Aku masih lemah..mkn gitu2 jer...surprisingly pruz beli choc indulgence pon rasa tak bernafsu nak mkn....
Ahad - demamku masih on off..batuk berkahak masih teruk....pagi tu kami dpt berita jiran selang dua rumah baby dia baru meninggal few min lepas lahir...pegila lawat mereka kat hospital.
Isnin - gagahkan diri ke ofis walaupun badan still tak kuat...kesian pruz, dia plak yg demam sampaila sekarang.

Rasanya seumur hidup ni la demam paling teruk penah aku kena, sebelum ni kalau demam setakat selimut badan kasi berpeluh. Kali ni almost seminggu duk umah, keje aku baring, tido, lepak, mkn ubat...sampai tak tertelan rasa panadol tuh. Kadang aku skip jugak mkn ubat, kesian kat baby. Mkn mmg tak lalu, sendi rasa lemah...besar dugaan Dia kali ni. Mujur idlan sihat dulu...dan mujur ada suami di sisi..kalau tidak mmg aku nak mintak doc wardedkan aku ngan idlan terus...idlan sampai hilang suara sian dia. Skarang ni pruz plak yg kena..nampaknyer virus tu masih berlegar-legar dlm rumah kami...dan nampaknya akak2 kaunter kat an nur pon sure dah cam kami anak beranak...almost everyday pegi sana...malu plak rasa huhu

tu la kisah cuti CNY kami...coincidently taun lepas pun plan nak balik kg junjung terpaksa cancel during CNY sbb idlan demam panas...tapi taun lepas dia kena warded...taun ni alhamdulillah tak kena.

payday....

Tertarik dgn tulisan sikulat...saya pon nak share fixed list saya every month yg diprepare beberapa hari sebelum tibanya hari 'payday'.

- makan/minum
- duit minyak
- h/p
- loan keta
- loan rumah
- TH idlan
- Takaful diri sendiri
- TH diri sendiri (ni adalah varies by month according to variation in the variable items listed afterwards)

Other variable items:
- balik kg
- duit buku teks (sangat mahal!)
- service keta (which at times might ends up with me having no savings at all)
- shopping baju, tudung, kasut, bag, baju idlan, etc etc
- hadiah besday pruzz/idlan/umi/papa + kek besday
- shopping brg2 kek kat kedai kek

Walaupun fixed items di atas pendek je listnyer, jgn tertipu kerana semua tu pon dah counted for almost 77% of the net salary. Bila ditambah dgn variable expenses tu, whoohaaa savings tu pon makinla menyusut. I assume the only way i can increase the monthly saving is by opting for smaller car (bak kata azizi ali, sebenarnya majority kita hanya layak pakai kancil jer :). Ini belum ditambah dgn kos sara anak yg lain, kos inflasi, kos persekolahan anak2, kenaikan harga minyak, etc.

Walau bagaimanapun, saya tetap bersyukur sbb despite all this, savings saya masih bertambah even tho berdikit-dikit lelama nanti jadila bukit ekkk hehe. Dan bila difikir-fikirkan, saya masih lagi dpt merasa kenikmatan hidup (bukanla mewah tapi kira OK la)...dpt mkn McD, KFC, Nandos, Pizza...dan segala jenis makanan lain yg best2, dpt beli baju baru, beg baru, kasut. Ada orang yg nak merasa makanan tu pon jarang2 skali, nak beli kasut baru pon susah sgt...baju baru....hmmm....makanyer....kita tersangatla beruntung walaupun salary scale kita masih di tahap rendah berbanding GLCs yg lain (sedapkan hati diri sendiri nih nyeh nyeh). Oh lagi satu, company memberi saya scholar utk membayar kos pembelajaran master dan duit buku dan extra cuti!! hah mewah sgtla tu kan :))

Last but not least, saya sgt berharap bonus taun lepas tinggi nyehnyehnyeh

On Saturday, i felt like eating the super duper extra hot roasted chicken @ Nandos, so off we go to Mines nearing lunch time. As usual, we will not forget to bring bread since Idlan really enjoy going there, just sit there, watch and feed all the the fatty, extra-large fish (mostly ikan keli and kap). Abah got a packet of fish food from the nearby stall, and again we spent for another 20-30 min waiting him to finish up the whole packet.

On Sunday, we just stayed at home since abah needs to prepare for his class and whatnots. I did some spring clean on the kc and found few packets of muffin mix, almost reaching its expiry date. Despite being lazy, i forced myself to do some baking, plus everything is already there, just threw in some eggs, fresh milk and butter...and the batter is ready! Garnish with some chips and blueberry to add to its plain taste...and they turned up lovely as always :)

1] Yep, exam was over..bagaikan 1001 beban diangkat dr bahu dan kepala. Malam bley tido dgn aman, tiada lagi assignment or anything yg perlu difikirkan...at least for the next 2 weeks. Tak payah kunci jam pukul 4 pagi utk bgn study...bley tido dgn lena sampai subuh :) Alhamdulillah soklan senang utk siapa yg dah study, prof siap pos mid term script results kepada semua org...all the way from Sintok tu baik hati betul prof aku.

2] habis xm pegi SR utk beli kek besday umi and papa...terkezut bangat tgk harga kek dah naik ke RM70! isk ish inflasi sungguh, a rise in the overall price level which is not compensated with an increase in salary...at least to us in T* yg tak naik gaji ni...tak adil tak adil huhu. Juice kat kedai mkn ofis aku dulu RM1.50, skang RM2!

3] anak teruna skang ni pepagi buat hal takmo mandi...terpaksa berperang sakan sebelum gi school...aduhai skang ni everyday masuk ofis lambat :(

4] baru pinjam novel Judith Mcnaught dari tini...my ofismate. Skang memlm bole memanjakan diri dgn membaca majalah pa ma, mami baby dan novelssss...syioknyer rasa!

Penatnyer rasa lately...

- semlm meeting dari 930am-215pm...bilik sejuk dingin beku, sampai sakit kepala..otak dah tepu, mujur x muntah dlm meeting room.
- nak kena touch up module training Scicom utk train bebudak baru yg semakin ramai masuk sini. Tapi masalahnyer file training yg tebal tu tah aku campak ke mane. Module ilang taper, tapi dlm file tuh ade certificate worldwide...tulis nama aku...tapi dah ilang!!! penat je score highest...tade maknanyer lagi huhuhu
- assignment dah settle...skarang perah otak utk final ahad ni. Study 1/2 jam dah layu and surrender...parahnyer rasa....tapi still cuba mengawal kadar tekanan diri supaya tidak migrain dan baby tak terasa pressure mamanyer :)
- seluar sekolah idlan hilang sehelai...termasuk dlm beg budak lain kot...tapi tade parents pon yg pulangkan...tak baik kan???
- dah niat utk register kelas fast track dari april-june. 2 subjects at one go dlm masa 2 bulan tanpa henti, klas every weekend. Lepas habis tuh, tinggal satu subject je lagi :) Insya Allah sempat abis mba before baby kuar....
- itu juga bermakna aku tak dpt pegi holiday ke mana-mana dari sekarang sampai bulan June...pressure plak rasa!
- bulan June pruz ade conference kat langkawi.....maknanyer tu jela holiday kami pada taun ni kots?? sedey :(
- niat dari bulan lepas nak buat carrot cake utk besday umi and papa...igt nak celebrate weekend ni..tapi since study final masih terkapai-kapai and tahap self confidence level teramat unsatisfactory, makanyer terpaksa beli kek SR jugak ahad ni huhu
- saya cuti belajar esok dan lusa....harap2 sempat habis blajar..rajin mama rajin...jgn asyik tido!