Thursday, 20 October 2016

My 'forced' saving

ideally our savings should be 10% of our salary...(again...tp kdg2 gross salary tu jauh beza dgn our net salary esp kalau yg buat salary deduction utk byrn insurance, loan rumah, nursery etc--nett income memang ciputtt jerrrr)

tp dgn taraf kos hidup yg sgt tinggi nowadays...personally I think that kalau dpt save 5% of salary pun dh sgt2 ok (for me lah..)
savings can be in many form..the common one..save cash lah dlm bank or dlm ASB or dlm TH..
savings yg kalis inflasi katanya..adalah saving gold...many forms of gold...gold bar 999 or gold jewellery 916
MZ baru jer (since last few years kot...) try save dlm bentuk brg2 kemas..sbb sambil save sambil pakai gitu...and anytime boleh cairkna ie convert cash esp time emergency...errr last year MZ jual my bangle etc sbb convert cash utk pegi holiday kat seoul tu....

nilah savings MZ buat masa ni...aim nak beli one bead/charm every month(at least)

ni aim nak beli soon..suka sgt design ni...nama bracelet ni 'kendi love' katanya..inspired tiffany & co..moga2 tercapai hajat di hati nanti...

ni julung2 kali beli bead dgn stone..sbb MZ sgt suka design ribbon....ni bead utk bln ni...

ni cincin rose..masuk dlm wish list..my comper fren (JJ) menang voucher habib jewel so dia beli cincin ni...MZ terjatuh chenta..tp masuk dlm wish list jer lah dulu...dh berkurun tak menang voucher emas...moga2 ada rezeki soon..amiin
have a nice day everyone!

4 comments:

Ezna Ahmad Khalili said...

Design ribbon pun i suka.....feminin giteww....

Nafisa81 said...

wow...tp saya suka yang simple design je...upahnya murah...hahaha..

mama tisya said...

bli emas bagus..eh patut mcm kenal cincin roses tu..julia punya..

Iela Fazielah said...

kak...yg set rama2 dulu pun aka jual ke>???sayangnyer.... ila just letak kat arrahnu je if nak pakai dulu...then amik blk....nak bl n kumpul balik mmg jeuh weh....

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