theLisaMorni

  Assalamualaikum.. Post kali ini agak lambat or sememangnya I jenis lambat sikit nak buat write up. I've been thinking whether I would like to share or not my Nov20 expenses. Atlast, here I am writing in my blog to review my Nov'20 expenses. Nothing much to review. Kalau ikutkan, I managed to spent below my total cash I received in Nov'20. Means, I ada surplus for this month. Tapi tak banyak around RM200 plus. Another good thing is, I managed to do some saving in bank here and there. The downside pulak, a few of item which I dah budgeted, dah burst. Punca-punca overspend nie mestila disebabkan melayan nafsu, and asyik terfikir fikir kan benda yang nak dibeli tu. So, rule yg orang cakap, if lebih 3 hari u lupa pasal barang tu, means it is just a want not need. Hahaha.. entahla barang I beli tu more to want je sebab till today, tak de I pakai sangat. Bagi husband guna adalah. hahahaha. Salah satu I tak spend more than my income in Nov'20 sebab most of purchase was throug...

 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...

 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 ...

  Assalamulaikum. Sebelum ni, sis sharing that sis berjaya buat bajet based on my spending. Crucial part nye nak track spending.  Mengapa crucial? Sebab you kena truly focus on recording every money you have spent! How? Macam pengalaman sis, banyak giler apps boleh keep track spending nie. Sis dah cuba banyak jgk dengan google - best spending app, best budget app - google je yang berkaitan, and it will come out. The problem with these apps are you kena bayar bila nak guna. Apabila kau dasar cheapskate (I mean myself), mestila nak guna yang free saja. Apa beza free dgn bayar? Of course apabila kita cakap pasal free, kau akan dapat limited feature. And based on my experienced, sis selalu kena limit categories, or u hanya boleh update tracker for few days and ada pulak jenis you boleh limit acc. So dia akan jadi tak accurate. Lagi satu apabila kita guna apps nie, sis tak tahu macam mana nak reflect exactly how much money inside my bank acc after spending and so on. So kita kena b...

 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...

I have just received my second part of my bonus, this year I get less than what I get last year. Due to certain reason, top management rate my performance to inconsistent. Well, better than I get nothing. That I should be grateful for. I am not complaining on how less my bonus comparing from my other colleague. I just want to share on how u can pay your debt using your bonus wisely. If happened to be you get a good bonus this year, you can consider my method. I have plan to use the same method this year but Allah swt is the great planner which this year I need to plan back on paying my credit card.  So this year, let me share how I use my good bonus I received last year to pay my credit card. Please be reminded that do not use all your bonus, take the chances to make emergency fund if u still did not have one. Let say u have spend some for holiday, some for buying this and that and u still have lot some more. Or u did have in mind using some of your bonus money to pay or...

Opening write up for 2019 Its been like few months I didn't update anything inside my blog. I have busy with my works and my family. It seems like blogging is not my priority. hahahah.. I have listened to one sharing that, if u keep on saying with the things you are busy with. It means, it is not your priority. huhuhu.. Still, that is what people say lah. Usually, every year, I will update my resolution achievement. But this year, I wouldn't update anything because, it seems like most of it in progress mode. It is not I have done nothing, just I didn't achieved it on time. This year, I need to refresh everything. Like like year, my main aim is financial freedom. But to be more realistic, I need to target atlist I managed to clear one of my card. I didn't managed to. Why? I have this habit on, when my other card has reach it limit, and I was desperately need it to purchase my flight tickets. Well, sikit jer, swipe jer lah. Even though it is one time event...

Kawal? Nak mengawal apa? Of course nak kawal daripada terjebak dengan hutang yang sehingga tak terkawal. Saya tak pernah menghalang u olls untuk berhutang. Sebab ada hutang baik dan yang tak baik. Jadi, di sini kita kena belajar control hutang tak baik itu. First thing first - U kena tahu apa tujuan u nak berhutang? Berhutang dengan apa? Senang saya kaitkan dgn penggunaan kredit kad. Sebab, kredit kad lah punca segala punca. Saya cakap melalui pengalaman. Cash tinggal sikit. Swipe. Terdesak. Swipe. Sayang sangat nak guna cash. Swipe. Kumpul kumpul jadi la hutang yg tidak terkawal! Kembali ke point asal - kepada yg baru je dapat kredit kad. Ingat TUJUAN! Kalau perbelanjaan tu terkawal lagi. Tinggallah kredit kad anda di rumah. Jangan letak d dalam dompet! This work! Macam saya ada 3 kad kan? Masa awal2 nak financially free, konon dlm hati cakap jiwa kental, bole nie nak control. Ko tahu apa jadi? Saya tak ingat nak beli apa entah. Lain lain kad dah limit. Another lif...

Umur saya tahun ini sudah hampir mencecah 30s. Mungkin bukan hampir mencecah, sudah mungkin. Hahaha..hakikat perempuan yang tidak mahu reveal their own age. Oh my! I dont understand this. Debt. Hutang. Sesuatu yang dekat kerana kalau tidak kerana hutang, a lot I can do and achieve. Is it? Tapi haritu dengar ceramah ustaz dengan segmen hadis di radio, kita tidak boleh guna perkataan KALAU (macam saya cakap tadi sebab itu menunjukkan saya tidak redha). Fine with that, I won't say what if, but u need to read this if you want to take any debt. Think first before you do! Satu petang tu, saya tengah sapu luar rumah. Otak terus berkata, saya dah umur 30 tahun, hutang tak surut-surut dan makin bertambah. What if I die today? Macam mana hutang tu. Mungkin itu jugak aku tak mati-mati lagi sebab Allah swt tak nak bawak hutang sampai ke mati. What happened if I didn't take that cards last time? hurm.. no KALAU dear.. remember what Ustaz said about KALAU . Then my head star...

Bismillahirahmanirahim... Assalamualaikum.. Ada add kita kat FB or IG? sebab Lisa baru share Lisa nya progress dalam settle hutang CIMB Credit Card Lisa. Quite a progress and Lisa will keep on going and would like to achieve target! FB: Fadzlisa Morni IG: @lisamorni Kalau anda tekan jer google 'how to settle debt?' banyak hit kat google akan keluar. Lisa dulu tak macam tu. Lisa bukan google pasal debt. Lisa google pasal macam mana nak buat income jer. Lisa just nak cepat kaya and banyak duit jer.. sangkut sebab tak jaga cash flow dan main swipe jer kat nokzzz.. Lisa nak ucap TAHNIAH! kepada rakan-rakan Lisa yang tak pernah guna credit card. Sebab the power of credit card dalam purse akan menaikkan temptation of buying! Its true you know.. tak kisah la kau nye income berjuta, kalau kau spend lebih daripada income. Hutang jugak lah jawabnye! Kepada kawan-kawan Lisa yang membaca sekarang ni.. Kalau korang nak tahu rahsia langsaikan hutang cepat dan efektif....

Bismillahirahmanirahim, Pada tahun pertama Lisa mula kerja, dapat gaji bermula dengan angka 2 memang sangat tak diduga kerana rata-rata kawan yang lain masa tu dapat gaji angka 1. Worse, ada yang dapat kurang daripada angka 1. Tetapi masa tu, asal dapat kerja kami kerja jer, tak da nak memilih. Mengapa? Gaya hidup masa tu tak macam sekarang. Pengurusan wang Bermulalah membayar hutang pengajian, sewa rumah, bill sendiri selepas ayah tahu anaknya dah dapat kerja. Masa tu (2010) dapat gaji angka 2 memang heaven. Memang rasa banyak la kan sebab kalau zaman studi, angka 2 untuk belanja dalam 3 bulan..hehehe..Jadi, sepatutnya pengurusan wang bermula dari sini. Apa kesilapan terjadi di sini? Hutang Pengaruh dulu tak lah sehebat sekarang, tetapi.. kuasa membeli memang sangat kuat. Maksudnya, dulu pembelian secara on9, macam2 platform yg bole mempengaruhi kita untuk membeli. Tetapi Lisa telah mencipta hutang dengan adanya Kad Kredit. Timbul keinginan nak guna kad kredit sebab Lis...