Langsaikan hutang

Pengakuan..saya ada pemboros..tapi tu dulu..sekarang tidak lagi :)

so far i dh dpt 3 kali bonus..but to tell u, all the amount memang JUST to clear my debts! my credit card yang banyak tertangguh itu..!uwaaaaaaaaaa...

like dulu i shopping tp bukan for heels or handbag ke apa..xtau la kenapa..mayb slalu beli kain..kat JAKEL lak tu..dah ratus2..n kalau dh ada kain?xkan nk smpn kan..harus la menempah bagai..dh beratus2 jgk..so there u goes my monthly salary habis begitu saja..

that time, my only commitment is car loan..but since u hav a car..minyak, servis, tol and xlupa insurance..huhuhu..saya tau february will be my insurance renewal month, but by the time nk renew...msti xde duit so mmg akan pow duit babah..*that time xkawin lagi..but as babah nk i ni disiplin sket..so wat he did was he ask the money back..slalu nya my insurance that time RM600++ (as staff of STMB, dpt disc 55% as max NCD)..so babah will ask me to pay RM50 per month!!hahaha..n he monitored it ok! kalau miss, no excuse so next month RM100..but kalau betul2 mmg ada hal so xpe je..dia tutup mata :)

before we get married..we made a promise..no more hutang2..n i promise to myself..to monitor all my expenses..whatever that i swipe, make sure i have the cash to pay it! swipe tu mmg la senang..nk mbayar nya?? so we cleared all our credit cards debts..yippie!!!

then i got pregnant..but after i cleared my credit card..thank to god that i can monitor my expenses and babah helped me a lot..hehehe..so before i deliver..again babah ONLY hav to clear his credit card as takut i kena operate kan..most of the debt bcoz of flite tickets brunei to KL..

now our life with additional member...our financial more stable, as babah's overseas allowance increased..so I monitored all the expenses..i kasi can kat babah enjoy dulu with his salary for a year..but saving xdak hasil..so sorry babah..meh sni gaji n let mama yang simpankan duit..as u hav child, every month harus ada allocation untuk drg..

now we are in the last month of the year rite??..so???? yeaaaa dividend ASB!! mama maybe dapat sket la since xde wat loan ASB kan..so based on cash saving, rasanya dpt xsmpi RM2k je kot..huhu..so nk wat apa? just to keep track :

1) We are in the midst of getting our 2nd house (terrace @ rawang)..loan under my name only..as nak dapat staff nya rate but payment still from babah :)

2) Mama already made settlement for my current car, myvi...abis 12k....huhuhu

so as hutang dah xde..sbb kete pun dh settled..so mama plan nk bayar PTPTN..as both me n hubby ni JPA scholar, but dapat PTPTN during our 1st year..so kena bayar RM7k..mama baru bayar 1.5k je..so all my dividend akan didermakan ke PTPTN..n bonus if dapat, half saving and half shopping!! :)

but for babah..ASB dividend harus la banyak..mau dpt 7k kot..so at 1st babah planned to buy macbook pro yang 15-inch: 2.4 GHz with cost of RM6,799 tu...so i kasi can la sbb babah dh lama xshopping..hehehe..but suddenly ttiba last week btukar..

babah : yang, duit dividend nanti..basiq nk beli ZOOM LENSE and bayar PTPTN la..babah ada lagi dlm 3.5k kot hutang PTPTN and zoom lense sbb farouq dh stat BERJALAN :)

mama : xksah la..ikut awak..tp laptop awak kan dah nazak?

babah : xpe la..tu nanti2 la..

for me..kalau ttiba laptop babah tu dah nazak..im ok if dia nk guna saving tu to buy new laptop..for something jgk..bukan nk bshopping pun..so as long both of us xde hutang yang tah apa2 tu..lagi2 hutang credit card..im happy enuf!!

now time to start saving for our FAMILY CAR!!yeaaaaaaaaaaa....selagi babah xkeje kat msia..we will stick to myvi ONLY! :)