Friday, 19 April 2019

Komitmen sembilan tahun

hujung bln ni bermulalah commitment to pay the instalmen for cik puan brv...on top of instalment cik puan city yg masih berbaki setahun setengah fuhhhh

cik puan city ari tu byr depo 10%
cik puan brv ni byr depo 20%, so instalment brv is lower than city
moga2 dipermudahkan segala urusan..kenderaan adalah suatu kemestian utk bergerak..esp nak pergi cari rezeki yg halal


have a nice day everyone!

Thursday, 18 April 2019

Some of the reasons why I gained weight

it's hard to resist the temptation...
so every time balik kg..MZ mkn dgn jayanya..and biasanya memang akan gain at leasr 2 kilos..
so now dh umur 40s..cepat gain and pyh nak lose the excess kilos

jom tgk antara benda2 yg MZ mkn time balik kg ari tu..not all in pic sbb lupa snap pic

ni udg celup tepung --beli kat pantai PCB

ni sate ikan/lok ching

ni kuih mcm cream puff..sedappp

ni magga jeruk asam boi...MZ mkn sebekas tu sorang2 okayyy

ni sup gear box (MZ suka guna nama sup kaki lembu)..ni benda wajib dimkn setiap kali balik kelate

not in pics...nasi lauk ayam kampung (breakfast menu)...laksa kelantan, keropok lekor kelantan etc etc etc

errr enough of food story
hrp2 MZ berjaya dlm misi menurunkan berat bdn seblm dtg bln ramadhan ni..Aamiin

Wednesday, 17 April 2019

Walaupun belum Ramadhan | mari membeli baju raya

memang plan tak mau beli bj raya masa bulan ramadhan sbb letih nak ronda2 hahaha
so papa & boys dh setel pun beli bj raya sedondon...empat pasang bj melayu --total cost RM446
memang suka beli brand ni sbb byk pilihan bj sedondon and harga pun affordable

MZ punya baju raya dh ada ie yg dh beli last few month (dari butik leeyanarahman)..sbb beli then tak pakai2 lagi sbb tak de special event, so kira rasmi pakai utk raya ajer lah

beli kat gene martino outlet alpha angle (wangsa maju)

Tuesday, 16 April 2019

Rarely done | melawat muzium

MZ tak berapa gemar la melawat muzium..tp mr hubby & kids suka aktiviti2 gitu..so masa balik kg last few weeks, weolls sempat visit museum...errr..MZ perna lah visited the same place time MZ bujang..that was roughly 20+ years back hahah

just nak tepek all the pics yg sempat dirakam guna hp ajerrr


tulah nama muziumnya....gmbr ni terlebih lighting heehhehe










 razeen curious nak tgk apa ada dlm telaga...

ni plak tix muzium..murah jer...adult RM2, kids RM1, razeen FOC

Monday, 15 April 2019

Happy 10th birthday | Ariff Shah

today 10 years ago u came into Mama's life..time really flies..
My dear Ariff,
you have always been my beloved son (just like your other 2 siblings)
you have been my pride and joy, my happiness..
I pray for you the best of everything in life, duniawi and ukhrawi
Aamiin Ya Rabbal Alamin

just a simple celebration for future memories...a slice of choc cake and our lil family lunch at McD - for the family pic

Mama looks so fair in this pic, because of the perfect lighting (meja tu menghadap cahaya hahaha)

Actually Mama was on diet (3rd day)--diet to cut carbo, so Mama makan/ratah ayam tu jer lah..tak dapek nak mkn ice-cream/pie/soft-drink/cake tuuuuu

Zharfan yg snap pics ber4, so he's not in pic

Besday boy and adik bongsu-Razeen tgh kunyah nugget so jd gitulah mulutnya hahahha

all the above pics are taken using Samsung A10 (baru jer beli on Saturday 13/4/19)..the pic quality is awesome!

Tuesday, 9 April 2019

Terapi yang sentiasa disukai | beli jangan tak beli

antara aktiviti wajib bila balik kg..ronda2 shopping mall sambil cuci2 mata dan kdg2 terbeli bila terberkenan...wpun kat KL byk jer mall..tp koleksi brg2 kdg2 tak sama kan...

antara port wajib ronda2 ialah aeon mall yg sgt besar dan luas...
dan kali ni kami gak ronda2 kb mall...waaaa sgt byk baju2 yg cantik2...

then terjatuh chenta dgn bj kat patung tu...mcm separa dress ada ropol2 and match dgn pants (palazzo)...material best dan harga pun ok...so dh selamat beli and selamat pakai pegi office last week..harga bj ni RM129 (mampu milik hoyehhh)

suka gak dgn kaler dark blue ni..sbb bila dark color, akan nampak effect slim :p


ni hasil rembatan dari aeon kb..sehelai blouse kaler pinky2 bunga kecik2...actually last month masa balik kg, dh beli gak 2 helai blouse dari aeon ni...suka dgn koleksi bj2 kat aeon (brand puteri)

ni posing dlm fitting room aeon KB :p OOTD fav tu..tudung fav, blouse fav dan skirt fav


have a nice day everyone!

Monday, 8 April 2019

Selamat datang cik puan BRV | 310319

plan asalnya..nak abiskan byrn instalment cik puan city sblm amik cik puan brv
tp rasanya dah tak leh tangguh2 sbb satria (yg mr hubby drive pegi keje) kdg2 kerap buat hal (kena repair enjin/tukar parts).and my boys plak growing up...so need a bigger car...ie 7 seater...so lps dpt restu my mom...sebaik jer balik dari kg, ie sampai jer KL on 26th March, terus pergi showroom honda sri utama (kat wangsa maju)...

dh lama berkenan dgn BRV sbb harga mampu milik..dan MZ memang suka brand Honda..
alhamdulillah...31st March 2019 tarikh bersejarah...pegi amik BRV setelah setel segala urusan (tempah, byr booking, apply loan, lulus loan (within 2 hours the same day)--all on 260319, byr depo on 270319, then salesman honda setelkan urusan insurance 280319, jpj 290319, tinted 290319, psg carpet complimentary of honda 290319)


posing dgn cinta hati baru...cik puan BRV kaler silver ;)

bersama chenta hati MZ..all my heroes...plus my new car

Alhamdulillah 'ala kulli haal..

Friday, 5 April 2019

We have been 17 years together | hard to say goodbye

....1st car is 1st love...

MZ beli keta pertama MZ setahun lps MZ keje kat UOB..kumpul duit utk byr deposit..
MZ pilih satria...sbb MZ suka keta sporty tapi tak mampu nak beli keta import...so dpt local car pun ok asalkan nmpk sporty..Satria came into my life in April 2002...keta auto..sbb MZ tak reti drive keta manual hahahha
and on 29th March 2019...MZ terpaksa say bye2 to Satria...bkn jual pun..tp MZ antar balik kg...bagi kat my BIL (abg ipar)...dia tlg guna dan jagakan...bkn ada value sgt dh pun kalau nak jual pun..nampak daif sbb catnya lekang...tp enjin overall masih OK

gmbr2 terakhir sblm Satria naik lori utk balik kelantan..



gmbr snap dgn tergesa2 few moments sblm satria naik lori....byk sgt kenangan manis dgn satria MZ ni...

bye2 my love...at least bila balik kg...I can still see u around...

Thursday, 4 April 2019

Restu ibu | Kali ke3 beli kereta

posing dgn my mom masa balik kg ari tu...ni kat dlm kb mall (area UTC)

mintak restu nak beli keta baru...sbb my kids dh semakin membesar..so this beli nak beli 7 seater plak...masih setia dgn brand kegemaran dan warna kegemaran

ni masa singgah kat showroom on 26th March 2019

my zharfan tgh check keta hahhhaa

tu cth pengiraan (salesman honda yg tulis)...harga keta tu OTR ie lps masuk insurance & road tax = RM90,742....memang tak mampu lah nak beli yg above RM100k sbb byk komitmen bulanan yg lain

Wednesday, 3 April 2019

Cost to renting a house in Singapore

something worth reading..
who knows one day..sometime in future, we or our kids/relatives are blessed with an opportunity to work abroad, such as in our neighbouring country - Singapore...so knowing the house rental cost would be useful...after all, it's always good to plan ahead!



Owning a property on your own can be unaffordable in Singapore, especially for young working adults. Properties in Singapore along with living expenses are expensive and getting a property on your own can be financially stressful. Therefore, many young working adults are looking at renting a house instead of buying. But how much should you pay for renting an apartment in Singapore? What is the actual rental cost of apartment for rent in Singapore? Before renting an apartment in Singapore that you can afford, it is crucial to figure out the cost to rent in Singapore to avoid from paying more than what you should. The basic rule of thumb, be realistic and set realistic budget within your means to save you from disappointment.

First and foremost, use the rental calculator to check for the rent affordability of the apartment for rent in Singapore. Just key in your monthly net income, monthly expenses, monthly savings, monthly debts, and the location of your desired apartment into the provided columns and the calculator will do the rest. The results will then suggest the rental cost that you can afford comfortably with apartment listings within the range for you to decide. Definitely a life saver if I may say so.

Next, you have to know that the amount that you will be paying is more than just rental cost for the apartment itself in Singapore. Let us just face the reality. Nothing is free and everything costs money. Take into account the necessities that you need in your daily life, such as transportation costs, e.g.: transit fees, car payment, car insurance, petrol, health fees, renters insurance, credit card bills, tuition fee loan payment, cellphone, Wi-Fi, groceries expenses and utilities. In addition, the leisure needs for yourself, such as gym membership fees, shopping, daily caffeine fix, Friday’s night happy hour, Netflix and etcetera. All these can add up to quite a huge amount if you do not plan your budget wisely, which will then affect the next point that I will go into – savings. Having a saving is crucial as it might help you through difficult times in case of any events that happen unpredictably. Therefore, bear in mind that is is important for you to have a saving. It does not matter how much but at least have a portion of your monthly income fix for your savings plan or investment account every month to tide you through unpredictable events in the future.

In addition, choose the location wisely. Bear in mind that rental cost for an apartment or an HDB flat in Singapore costs more in a prime area or the Core Central Region as compared to apartment or an HDB flat in Singapore that is located outside the Central Region. The rental cost of condominiums in the Core Central Area and Sentosa is approximately $5,000 to $7,00 a month, whereas the rental cost for condominiums outside the Central Region is slightly cheaper, at approximately $2,100 to $2,600 a month. As for the rest of the Central Region, rental cost for condominium is priced at approximately $3,500 to $3,900 per month. Do also note that rental units with amenities, short distance to education institution and short distance to the MRT stations are going to cost at least twice the average rental amount.

Last but not least, if renting a whole apartment or HDB flat in Singapore is more than what you can afford monthly, you can consider splitting the cost of your rental by living with your friends. Splitting the rental costs with two, or three or even four roommates is going to save you quite an amount in the long run. Just make sure you pick the right people as your roommates because you definitely do not want to deal with dirty roommates or find yourself constantly drown in dramas.

If you still find yourself struggling in figuring out the cost of rental for the apartment or HDB flats for rent in Singapore, take an extra step to check for the rates of neighbouring units. Speak to the landlord or agent of the property and express your interest. Try negotiating with the landlord if you are going for a longer lease as most owners prefer to have their place rented out for long term to minimise vacancies. You can even try to bargain the rental costs down by 10% to 15% of the initial rental cost if you are taking a longer lease. You will also be surprise to find out that there are people offering a cheaper rental cost for an apartment or an HDB flat in the same neighbourhood. Even if it is only cheaper by $300, it still matters, because that extra $300 that you save on monthly could be used a to invest in things other than property, or it could be an extra allowance for your shopping spree.



In a nutshell, be sure to do your research and homework in advance. Make sure that you are not overpaying for an apartment, HDB flat or a room in Singapore. Do also set realistic goals and budget to avoid disappointments or prevent yourself from getting into financial burdens. A rule of thumb, always use the 30% expense ratio guideline to guide you through renting an apartment in Singapore to make sure you can afford the rental cost and still have extra for other expenses such as savings, entertainment, food, transportations and etcetera. Your rental cost for the apartment or HDB flats in Singapore that you are eyeing on should never cost more than 0% of your net monthly income. 

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