Sorry for keeping silents cause I takes time to figuring my plan which is secret .... But still think to live in happiness and healthy. It was me who WORK and EAT whatever and whenever.... Sacrifice for not sure a thing.... then I suffer..... :(
My wife keeps persuade me for hospital or doctor... Stomach ache which untold soooo.... painfull.
Then now I know that I got Batu Karang and kidney problem. Oh.. what should I do? If I can turned back time... then I'll do what ever to avoid... Feels like running away as fast as I can to run from this kidney problem.. but how...? :( and I'm only a human which God bless me everything but fails to keep healthy....
Dear friends... keep it up to get healthy with healthy lifestyle... You can surf http://www.myhealthyheart.com.my/ open minds to keep healthy and fitness care.
Turned back my pastimes.... running and doing fun things in my childhood.... picking rambutan from trees and helping mum selling banana fritters (pisang goreng) after school hours... then makes me think what should I do to give guarantee life to my kids in the time I will weak and sick. Don't have much guts to think and I should do something to live in happiness and healthy life for family...
While searching www.min.com.my by (Securitie Industy Development Corporation) SIDC which is Malaysian Investors site. I get an idea from this site have a lot of tips for us. One of the article is below. I put in the malay translation that might help us to understand.
In english they keep E.L.E.V.E.N but in malays they keep it as S.E.B.E.L.A.S.
Let me introduce on of article.
Kejayaan Kewangan 2011: Amalkan Formula S.E.B.E.L.A.S.
2011 telahpun tiba. Bagaimana prestasi kewangan anda pada tahun lepas? Adakah anda berjaya mengharungi dan menangani segala masalah kewangan yang dihadapi? Bagaimana pula dengan prestasi pelaburan anda? Tidak kira bagaimana keadaan kewangan pada tahun lepas, tahun 2011 sepatutnya memberikan anda peluang baru untuk merancang kewangan dengan lebih bijak.
Artikel kali ini akan membincangkan kaedah-kaedah yang boleh digunakan untuk anda mencapai kejayaan pengurusan kewangan. Formula S.E.B.E.L.A.S. ini direka khusus membantu anda menetapkan matlamat kewangan sempena tahun baru ini:
S – Simpan untuk diri (dan keluarga) anda dahulu! Jika dahulu, anda kerap memperuntukkan gaji bulanan untuk membayar bil, hutang, membeli barang dan sebagainya terlebih dahulu, pada tahun 2011, berikan keutamaan kepada menyimpan wang untuk diri sendiri dahulu. Tidak kira dalam jumlah yang kecil atau besar, pastikan anda menyimpan dan melaburkan duit untuk diri (dan keluarga) secara konsisten. Anda boleh bermula dengan RM50 sebulan (lebih banyak lebih bagus), kemudian tambahkan jumlah simpanan anda pada tahun-tahun berikutnya.
E – Elak pembaziran (Economise) – Bezakan antara barang-barang keperluan dan kehendak. Sebagai contoh, anda tidak perlu membeli barangan bayi yang berjenama mahal jika jenama yang sederhana atau murah mampu memenuhi keperluan si comel. Tambahan pula, kebanyakan pasar raya besar sekarang menyediakan “house brand” yang berkualiti tinggi pada harga yang amat berpatutan.
B – Bajet – Buat bajet, tulis dan patuhinya! Sesetengah ibu bapa gemar membuat bajet secara kasar atau “dalam kepala” sahaja, terutamanya semasa hendak membeli barang. Ini cara yang tidak berapa tepat. Sebaik-baiknya, tulis apa yang ingin dibelanjakan dan lebih penting lagi, patuhi bajet yang telah dibuat tersebut. Anda perlu berdisiplin dalam berbelanja dan membuat bajet adalah langkah yang sangat penting. Jika tidak membuat bajet, besar kemungkinan anda akan mengalami kesukaran menguruskan kewangan sendiri dan keluarga.
E – Elak emosi semasa membuat keputusan berkaitan kewangan. Perkara ini tidak dapat dinafikan terutamanya apabila anda mempunyai wang lebihan (contohnya mendapat bonus). Macam-macam perkara yang akan terlintas difikiran anda- kereta baru, perabot baru, bercuti dan sebagainya. Sekiranya anda mendapat wang lebih, pastikan anda menyimpan sebahagian daripadanya dan selebihnya digunakan untuk melangsaikan hutang sedia ada. Inilah masa terbaik untuk anda melangsaikan segala hutang kad kredit anda sekaligus. Jangan berlengah lagi dan bayar segala hutang-piutang yang ada. Percaya atau tidak, hidup anda akan menjadi tenang jika anda sudah melangsaikan hutang.
L – Libatkan si kecil – Sering kali, ibu bapa tersalah anggap bahawa anak kecil tidak mampu memahami konsep kewangan. Tanggapan ini tidak tepat kerana sedar atau tidak, biasanya si kecil memang tahu meniru cara dan kelakuan ibu bapa mereka. Oleh itu, libatkanlah anak-anak dalam hal-hal kewangan anda. Salah satu cara mudah yang boleh dilakukan ialah dengan membawa anak-anak ketika menjalankan transaksi kewangan. Contohnya, bawa anak-anak bersama apabila anda pergi ke bank. Dengan cara ini, anda dapat membentuk tabiat menabung dan menyimpan daripada usia muda lagi.
A – Awasi skim pelaburan tidak sah. Mungkin anda sudah tahu yang melabur adalah cara terbaik untuk mengembangkan wang sedia ada. Melaburlah dengan pihak-pihak yang berlesen dan berwaspada dengan pelbagai skim cepat kaya atau skim pelaburan tidak sah yang terdapat di pasaran. Sekiranya sesuatu syarikat menawarkan untung berlipat kali ganda dan mendakwa tiada risiko yang terlibat jika anda melabur dengan mereka, mungkin itu adalah syarikat yang tidak sah. Pastikan anda memeriksa sama ada sesuatu syarikat itu berlesen ataupun tidak dengan menghubungi pihak berkuasa yang berkenaan. Ingat, dapatkan sebanyak mungkin maklumat sebelum menyerahkan wang titik peluh anda kepada mana-mana pihak.
S - Sediakan dana kecemasan – Dana kecemasan merujuk kepada sejumlah wang yang anda peruntukkan untuk digunakan sekiranya berlaku apa-apa musibah/kemalangan yang tidak diingini. Biasanya, anda dinasihatkan untuk mempunyai dana kecemasan sebanyak tiga hingga enam bulan perbelanjaan bulanan anda. Dengan wujudnya dana kecemasan, anda akan berupaya mengharungi segala masalah berkaitan kewangan dengan tenang dan terkawal. Dana kecemasan yang mencukupi juga akan memastikan cara hidup kita tidak terganggu sewaktu menghadapi masalah kewangan.
Kesimpulan
Kejayaan dalam pengurusan kewangan 2011 bergantung kepada usaha anda! Jika anda perlukan sedikit inspirasi, lihatlah pasangan yang tersayang, dan jika masih belum mendapat ilham, lihatlah muka si comel anda. Lakukanlah yang terbaik untuk diri, pasangan dan keluarga demi mencapai kejayaan dalam pengurusan kewangan anda. Semoga tahun 2011 memberikan anda sekeluarga keadaan kewangan yang lebih stabil.
One day my son woke up early and he was in a good mood. after finished bathe, I opened the door and my son speak clearly "Ayah, Anas tak tidur... ", with a smile.
I wonder why he says "tak tidur" instead of "dah bangun" .... Then I realize that my son is lack of vocabulary.
We was so busy in daily life and forget to spent time to speaks frequently to built his vocab.
Then, my wife started to spare time with him everyday.
And.. that morning, I watched a TV3's program with Zaid Mohamad a successful motivator previously a teacher.
"Struggle is a Part of Life" wah... what an idea!!
................and this is his website http://www.smartparents.com.my/
Sometimes when everything goes wrong and nowhere solution, step back and broad your view. Think in a wide area.
A good Book from him that I like to share is "Ibubapa Bijak Anak Hebat" with RM39.90 that you can but online with that web or bookstore like MPH or Harris at Jusco Tebrau.
Living in your means... this is what everyone must learn and practice.
In Malay "Ukurlah Baju di Badan Sendiri - Hidup Mengikut Kemampuan".
Oprah Winfrey says, "Living in your mean does not downgrade your quality life, and still can eat healthy food. You can go for vacation and family activity as you wish. Its protects you from stress instead of debts."
Some people think I'm tired of working so, its up to me how to spend it.
For those who are thrifty looks so stingy but .......... a bigger problem happens to those who is ....
spendthrift will end with unstoppable debts.
Tips to live in your means :
Find free stuff in the Internet & public services like library etc. Borrow CD, DVD, books, magazine from library instead of buying them.
Do family activity without involving money like bicycle cycling in garden, fishing, picnic etc.
Use telephone wisely - get the best packages line telephone
Cook at home and pack food to office.
Get simple menu but healthy food.
Buy only fresh food on sale. You can store in fridge for a week or a months. Make sure space in fridge always neat.
List down cheap groceries and where to buy.
Collect coupon, point for groceries in the paper or Internet
List down groceries for a week and a month. Use a book with 2 side table which is what is needed and what is your wish.
Always tidy up house to make a fresh look. Do house chores together with spouse.
To avoid in term of using money for bills, you can put money for bill into envelope and put it in the right place. Pay bills in time to avoid charges.
Never pampered child with money or expensive stuff but educate them to focus on study and be independent.
You still can do activity at home with family like scrabble, monopoly, do house chores together instead of filling fuel to another distance.
Do loans only when needed
Do savings, use credit card wisely
Notes :
Cook at home, make a fresh look everyday at home. "Rumahku Syurgaku"
Never put unwanted things in house. Old clothes but still in good condition give away to whom needed or welfare house. Always do 5S (sisih, susun, sapu, simpan, selenggara).
Put a target each year for vacation but with savings.
You still can have your meals with family at Kenny Rogers, Pizza, KFC, Mc Donald or any other restaurant if you wish but let it once a week or two.
Hi.. I'm Abdul Rahman, 46 years young as well as my wife Saasobah Adibah 34. Here is my children Anas (4) and Irfan (8 months).
I have been experiencing lot kinda job before I realize actual my best career suit with me in this golden years.
It had been started because of my wife who encourage me for a cooking course. She had registering me to attend "Food and Restaurant Handling Courses". In the eve of the courses day, I told her a plan to quit from the course because I feel uneasy and shy. My wife given me 2 choices:
1. She will attend for the course while I'll nursing our child or...
2. I will attend for the course
Instead of the choices, I admit to attend courses. It had been about 2 weeks for the courses. Including lesson to cook kinda menu from Chef Razak. I learn Chinese, Malay and Western food recipes. Then I met a lot of same interest person in cooks. Finally, I enjoy along the course. Each time I was home, I'll share my experience with my wife which has the same interest...food.
Continuing from the course, I started cooking new dish base on recipe from the course. I wife will give comment about taste and how do the food should performed.
Then I made my first step to do Frozen Food business from the supplier called MB Jaya Enterprise from Pontian Johor.
With the starting RM2500, I get food supply. Unfortunately the company bankrupt after few months (about 2 months after agreement).
The MB Jaya pull me along my capital because I already put money on that company base on agreement. Then I realize I have been cheated because the company won't return balance money.
My mistake...
Never trust anyone about money....especially in a a big amount
Do assignment to investigate that company before do business
Lots of call I've made asking to return my money but the main person cancel calls, change phone number, giving due date and break promises each time. Actually he won't return it and admit plan not to pay back via sms. But then, he keeps giving excuses and give a false date bank in money.
Lots of sms and calls....and I don't figure how many bills I had to pay for the calls. I made police report and after 6 months ..... I was so stress out instead of cheated involving money.
Then I learn a lot from many advices from friends and family. Figuring out how to solve. The thing is I want my money back without interest.
And... now the problem almost solve and I will tell you how I solve later..
