theLisaMorni

 Assalamualaikum, Today, I nak share berkenaan Black Friday Sale. Haritu baru je sale 11.11, nie pulak Black Friday and kebetulan sale pulak betul-betul lepas gaji. The best part is, gaji I pun masuk one day early that usual date! I guess, company nak menggerakkan ekonomi syarikat which is they want their staff to shop at their mall before Christmas. Apa yang I nak share for this Black Friday Sale is, I managed not to buy anything. I bukan lah memboikot this sale. But bulan ni, my budget has burst and I have spent almost within my budget. Tak kan tak ada nak beli apa-apa kan? Yes, I ada nak beli during that sale. Actually, I nak beli this Lego Mario Set for my son.  My husband lah yang suka survey benda-benda macam nie, and he found that online is cheaper than physical store. Lagipun I pun mmg dah check Lego di Sunway Pyramid last week. The sales lady told me, Mario set tak ada promotion for Christmas promotion. My hub plak worried that the set will out of stock since it is Ma...

 Assalamualaikum.. Hari ini, sis nak share things that I have purchased for my new Iphone.  Why I want to share what I have bought for my new phone sebab latest Iphone serba serbi tak ada banyak free accessories.                                       Sebelum sis sambung, sis mukadimah sikit why I still choose Iphone. Sebelum nie sis guna Iphone 6s for almost 5 years. Sebelum tu Iphone 4. As u can see, sis memang pengguna tegar iphone.  Why Iphone? sebab Iphone tak mudah lag. Iphone whatapps sangat kuat which sis jarang sangat delete conversation and whatapps tak hang. Bila kau swipe one screen to another, iphone still perform. Ini ialah testimoni sis sendiri. Sis ni pulak bukan jenis mengejar technology. Selagi boleh guna sis akan guna. So what make me change this time? sebab iphone6s sis dah tak perform. Itu lah tanda-tanda apabila u need to upgrade your iphone. ops. So sis dec...

 Assalamulaikum.. Macam mana nak survive apabila musim sale? Lagi-lagi lah sale 11.11 or yang akan datang nie sale 12.12 and sale Christmas and sale New Year and more to come. Sebelum tu, kita kena faham lagi time pandemic nie, kebanyakan penjual penjual kejar sale. Of course kebanyakan company akan buat sale untuk memastikan income masuk. Kita pulak tak boleh nak salahkan mereka kerana they also have worker to feed kan? Sekarang nie, terpulanglah kepada diri kita sendiri macam mana nak control from purchase barang-barang online nie. Sebelum sis cakap pasal control impulse purchase nie, kita kena faham mengapa kena control spending during pandemic nie sebab kita tak tahu apa akan berlaku pada masa hadapan. That is why time macam nie, kita kena maximize cash in hand. Kita tak kan tahu bila income kita tiba-tiba tak ada, ataupun tiba tiba gaji kena potong ke apa. Sis bukan nak takutkan korang, tapi kita sediakan payung sebelum hujan. Enough scaring u guys, kita pergi main point kita ...

 Assalamualaikum.. Bulan nie sis nak review spending sis untuk bulan 10.  Alhamdulillah, total expenses (include fix) dibawah budgeted.  How I do it? - track spending is a must kalau u tak buat cash envelope. Sis tak buat lagi cash envelope so sis tak nak komen pasal cash envelope. - every 3 days update allocation so sis tahu sis dah guna category mana. - sis cuba untuk tak spend in that category kalau dah over spend. - kena ada disiplin lah sebab kalau tak ada, memang tak berjaya sis spend below means. Time PKPB macam ni actually is a good way kita nak control spending kita sebab kita tak leh nak ke mana- mana sangat especially you have young children at home. Lagilah kita tak boleh nak travel which travel pun required a lot of money (depends on personal la kan?) Sejenis sis ni daripada dulu, I do not have any savings for travel or things that I want. So what I do is, I always charged to my card. So thats why hutang credit card sis melambung lambung sampai tak cecah tana...

  Assalamuailaikum, Sis terbaca satu topic berkenaan dgn procrastinate ataupun mendelay kan sesuatu. So kali ni sis nak share pasal cerita sis telah mendelaykan sesuatu and macam mana sis settlekan. Masa awal bulan Oktober, husband sis bagitahu ada surat drpd LHDN untuk sis.  Sis ckp: okay, nie mesti surat cakap refund duit dah masuk. LHDN biasa bagi duit dulu baru anta surat.  Tiba-tiba ada satu minggu tu, sis terdetik nak bukak surat daripada LHDN tu. Giler terkejut apabila sis baca, LHDN mintak sis byr cukai pada tahun 2017 and 2018. Setahu sis, sis dah declare and sis pun dah dapat refund balik. Happened to be that day was Saturday and of course office tak bukak, and which number to call pun sis tak tahu. Buat sis lagi tak keruan sebab sis tak boleh buat apa-apa selain tunggu Isnin (itulah dia delay to open the letter). Sis baca balik satu-satu and cuba faham surat drpd LHDN tu sebab sis nie jenis tak boleh baca too many words.Lepas tu sis tak faham apa yang surat tu ...