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.. Kali ini, sis nak cerita pasal my financial freedom journey. I just started and I want to record it here. Banyak giler tips sis baca and any apps pun u guna, they will required you to have a budget. So here I am, creating budget to myself. It is really hard to start with but alhamdulillah I made it. Sis berjaya create budget. Why the first step is the hardest apabila nak buat bajet?  Sebab, apabila kau buat bajet based on kebanyakan financial advised - contoh: 10% saving, 10% entertainment and so on. Then kau sedar, that hutang kau dh over bajet kalau guna allocation macam tu. Kau pun putus semangat nak buat. Itulah yang terjadi kat sis. Huhuhu Apabila sis dah tersangkut, sis learnt from my work apabila kita based on previous spending buat bajet. So dekat sini kita kena track spending. Track spending ni memang susah, but inilah step pertama yang sis ambil.  Jujur sis cakap, sis dah berapa kali cuba track spending tapi selalu gagal. But this time, sis gu...

Assalamualaikum, Mac sudah. Refer balik I punya resolution, one of it is debt free. Hurm. I dah test run yang bajeting guna 50-30-20. disebabkan beberapa perbelanjaan yang tak dapat dielakkan, sistem ini tidak sesuai untuk saya. What I do? Bila you baca mana-mana financial advise, most of them akan advise cut this and cut that. So apa lagi, cut cut cut lah. 1. I tak drive pergi kerja dah. My husband hantar I pergi kerja, balik I tumpang kawan I pergi kl sentral and take LRT pergi tempat kerja husband I. Apa yang saya boleh jimat? Sebelum: Dari rumah ke tempat kerja (sebulan): minyak kereta (RM200 - caj ke kredit kad). Tol (RM150+-). Of course bila bil kredit kad datang I kena bayar jugak minyak kereta tersebut (kata nak mencapai bebas hutang) Selepas: Dari rumah ke tempat kerja (sebulan): minyak kereta (RM50) sebab drive pada hari sabtu jer. Tol  (RM20). LRT (RM50).Ketara tak perbezaan kat situ? 2. Kurang kan perbelanjaan masa lunch. FYI most of us tak dapat nak pe...