theLisaMorni

 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...

After my last write up, I have went through my last year topic and I found that I did shared  almost the same topics and how I have successfully overcame it. Guess what? It is just the same process. The key point is always sabar (patience), grateful and keep on praying. Does not matter how hard your test from Allah swt is, if you patiently waiting and keep on praying, grateful what you have now. InsyaAllah you will found your way. What I want to share today is about recent payout bonus given by my company. Usually my company will distribute bonus before Chinese New Year. Same goes this year, staff getting their bonus days before CNY. When the day come, everyone nervously checking their bank account and they saw the amount they received lesser than previous year. Most of the staff started to complaint why they get lesser than last year and some demotivate to work. Why this is happening? Expectation vs reality - the reason the staff is so frustrated. We expect getting the ...

Welcome 2020 I've made it! Alhamdulillah For opening write up for this year, I would like to write about Niat (Intention).  Why intention is important to our life? I want to start with by telling you about what I have received from Productive Muslim: Barakah Manifesto. When I read through this manifesto, I liked it very much, it kind of remind me to keep on correct my niat if something goes wrong. Source from Productive Muslim For better understanding, let me share you a few situation I had experienced. Situation 1 : When I want to post something in my social media or writing in my blog, I hope that I will get a lot of likes or my blog will become a hit. Actually, the intention is wrong.  Why I said so? When you have that kind of intention in mind, you might astray from your initial intention. You will noticed there are changes in your posting.  But, When your niat is because of Allah swt, you will consider again what type of content...

Its been awhile. Yes, I noticed that I have posted lesser this year. I've been busy with works and other things. Even this write up is on 1/1/2020. But I really want to share this for 2019 closing. Something that remind me what I want to achieve. This year, I have registered myself to English program by my company . The best part of this English program is we are not into much of vocabulary, writing and so on. It is more to presenting and speaking. Maybe because the program actual name is English for business. Actually I am not complaining but I want to say that I do have fun.  In the end of the course, my teacher Ms Malizah described me 'even though she is introvert, she is the best speaker in class'. I am totally agreed with 'introvert' things, but for the best speaker? Thanks Ms Malizah for the compliment. Yes, I am on my way to train myself to become a speaker/motivator. How can I talk in front of people? I did read one sharing at twitte...

It is been awhile. Sy tak menulis dalam nie, penuh banyak cuti, kerja, anak perlu perhatian, checklist kena buat so on till writing is no longer is my priority and my goal anymore. But hey, I might just write some notes here about this book I read. Short introduction why I read this book and why I stumbled upon this book . Sy tak ingat rancangan apa kat TV3, I still remember yg rekomen buku ini ialah Ally Iskandar. Since I love so much to learn about productive living, and buku ni mengaitkan dgn AL Quran. Luckily that my sister bought this and I somehow borrowed from her and this is my second time read this. Some info in this book keep running in my mind, that I believed there are some other information is very useful for me to use. So now, I reread it again and make some notes here. Sekali lagi, saya nak ingatkan the day I write this, I still in the process completing it.  Notes begin: Kejayaan seseorang sebenarnya bukan diukur dgn hasil seseorang itu. Kerana setiap...

Perjalanan saya dalam membebaskan diri drpd beban kewangan bermula drpd dahulu lagi. Ini ialah percubaan yang keberapa. Mungkin yang ke3 atau ke4. Semasa percubaan pertama, saya tersilap strategi. Dan akhirnya hilang kawalan.  Percubaan kedua, saya tewas sebab mcm stress giler tak dapat nak kawal diri drpd beli barang dan akhirnya memujuk diri dengan berkata: 'I will treat this as my saving! I will use my card wisely and make sure I dont overspend, most important is I have cash!' Guess what? Gagal jugak. Nonsense kalau u nak treat it as saving. U keep on going and going swipe the card macam orang kehausan dan minum air sampai habis. Percubaan ketiga, mmg kritikal giler sebab gaji macam tak menentu. Still swipe the card apabila cash running out. Percubaan keempat, strategi dah ada. Tapi nafsu tak dikawal, business entah kemana. Mmg hampir berjaya. Tapi tewas jgk sbb tak de planning bajet dgn kawal nafsu. Percubaan kali ini, yg ke-5! Belajar drpd kesi...

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...

Pernah dengar cerita tentang keldai yang jatuh ke dalam perigi? Lisa pernah terbaca tapi tak pernah begitu ambil kisah sangat ceritanya. Sehinggalah hari tu dengar segmen 'Raudah' di radio. Lisa jadikan cerita ini satu motivasi yang sangat kuat. Kisah Keldai di dalam perigi Pada satu hari, keldai jatuh dalam perigi. Keldai pun meminta pertolongan dan tuan punya kedai fikirla macam mana nak keluarkan keldainya. Akhirnya, tuannya bercadang nak kambus perigi itu sekali dengan keldai tu sebab keldai itu dah tua dan tak berguna dah. Tuan keldai mula menanam keldai itu. Pada awalnya keldai tu dah macam cuak, tapi tiba-tiba dia diam. Tuan keldai tetap menyambung kerja nya untuk menimbus keldai itu. Apabila Tuan nya melihat ke dalam perigi, dia melihat keldai itu menggoyangkan badan yang terkena tanah itu dan semakin hampir dengan permukaan perigi. Tuan keldai tetap meneruskan kerja nya, dan akhirnya keldai berjaya sampai ke permukaan dan berjaya keluar! Cerita ni nak bagitah...

Bismillahirahmanirahim. Assalamulaikum, Lisa nak sambung cerita perjalanan Lisa urus hutang lisa (DEBT MANAGEMENT). Actually Lisa dah start nak Financially Free nie years ago. Tetapi, dia ada satu tahap tu macam, I just pay my expenses with credit card and I will slowly it and InsyaAllah the balance will go to ZERO! Ini disebabkan BURN OUT. Lisa penat sangat ikut bajet, sampai STRESS. Ended bye bye budgeting, nice clothe, nice food, nice thing, good lifestyle is much better! Then, bila Lisa stuck tak dapat keja tetap - Bisnes pun tak berapa berani nak take action jadi slow - Lisa sedar yang alangkah bahagia nya Lisa takda komitmen yang menyakitkan jiwa, jadi Lisa kena cepat2 habiskan hutang yang tak perlu and jaga je anak kat rumah. Ilmu langsaikan hutang dah ada, nak take action jer. One fine day, Lisa terbaca perkongsian Azizan Osman tentang BIG WHY. BIG WHY - mengapa? tujuan yang bole buatkan kita nak capai AZAM kita. Memang bila Lisa dah jumpa BIG WHY Lisa, Lisa leb...

Salam mak mak sekalian, I return to motivates u oll yo! Bf is not a trend or somewhat. It is something that creates bonding between u n ur baby. Frankly speaking, i never thought of bf m continue express at work.  Why? I have doubt! I dont believe i can do it!  What happened few months b4 i deliver? I saw fully ebm n ebf is something that can help u berjimat. Coz formula milk is expensive. Even when baby expo at PWTC got promotion for medela, i refused to buy something expensive if no milk came out at all. My colleague said when she delivered, there are no milk came out. From what i read, milk will came out itself. That is why i dont want to waste my money into something like that. Then i deliver ( shud read the story bout the prem baby) Because of this, im aware n feel encourage to bf my baby girl. Eventhough whem this private hospital keep on saying that.. U need to mix with formula milk so that ur baby girl can have ideal weight. I told u. When i was continued my confinemen...

Salam, Self motivate again: everything happened for a reason, maybe we cannot accept the outcome but long term it will benefits yours. maybe u guys will said that:'of course you can say like that because everything you want you get it' Yes indeed, not everyone in this world as lucky as others, but who knows the futures right?. This is actually a way of make us live positively and happily.  I give u a story that can make you think clearly and relate everything in your life. Islam is a way of life and its teach its ummah to think. The story is... When I perform my haj, people said there are certain places at Mecca and Medina, when you doa, your wish will come true.A few dua that I make is sometimes is nonsense type and I know that doa is not going to give any benefits at all. Some doa I secretly made and whispers has came true. Alhamdulillah. The main point I want to share is, I make a doa which it did not came true. But I did not blame anyone or anything. Becaus...