budget izi 2010

smlm g bayar yuran konvo rm 160..huhu..mahal 2..kacau btol la nk konvo-konvo pulak mase cm ni..rugi duit ak..bru ingt nk beli perfume..ingtkan awl bln 9 bole bayar..lari budget ak..

september

saving:rm300
in hand:rm90
total:rm390

gaji masuk 30/1/4/5..worst case kite amek 5 hb la kan..skng da 23hb..jadi ad 12 hari lg..klu sehari ak belanja rm15 totalnya ak gune dalam rm170..jd ad balance rm220..hurm..ngam ngam je nk beli perfume..2 la klu xde pape kejadian pelik la kn..puh puh arap-arap berjalan lancar..

gaji:rm2100 (after deduct with epf & socso + rumah,bil api & air company yg bayar)

october

income(sept):rm2100

spend:
a)makan minum=rm350
b)rokok=rm250
c)parent=rm300
d)kereta loan=rm200
e)fuel=rm60 (rumah dekat je ngn kilang..ngeeee...)
f)ganti rugi sbb rosakkn gps=rm300
g)utang dgn si tembel[adikku]=rm400
h)service minyak itam kete=rm80
i)broadband=rm60
h)topup=rm80
j)minyak & tol blk kuantan(konvo)=rm150 (plus kos-kos laen semase perjalanan)
k)beli kasut itam tuk konvo=rm100 suda(lancau kari ni..)
l)safety boot=rm60
total=rm2390

tngok..tngk..xcukup..lahanat btol.. 2 blom masuk bayar ptptn lg rm150/month..excuse la dlu..6bln keje bru wajib bayar..jd solution nye adalah seperti berikut:
a)utang tembel byr rm100 dlu jd ad lg rm300
b)utang sulaiman bayar rm200 dlu jd ad lg rm100

hold=rm400
balance salary=rm2100-(rm2390-rm400)
=rm110
total saving =rm110

cketnye balance..ap ak nk buat banyak 2..2 pon kalau xde emergency case or kos-kos trdesak..fuhhhh..bulan depan sakit woo..xle joli...

gaji=rm2100 (same mcm diatas)

november

income(oct)=rm2100

spend;
a)hold=rm400
b)makan minum=rm350
c)rokok=rm250
d)parent=rm300
e)loan kete=rm200
f)fuel=rm60
g)topup=rm80
i)broadband=60

total usage=rm1700
balance salary=rm2100- rm1700
=rm400
total saving=rm400+rm110
=rm500

bole la bernafas cket lbn novenber ni nti..2 pon xbanyak mane pon balance..bole la nk mkn sate sekali sekale kn..kempuanan ak dbuatnye..

gaji=rm2100 (same jugak)

december

income(nov) =rm2100

spend:
a)makan minum=rm350
b)rokok=rm250
c)parent=rm300
d)loan kete=rm200
e)fuel=rm60
f)topup=rm80
g)broadband=rm60

total usage=rm1300
balance salary=rm2100-rm1300
=rm800
total saving=rm800+rm500
=rm1300

huhuhuhu..cketnye..2 plg minimum ak ble simpan utk shoping new year..tp mngkin lebih lg..sume nilai2 diatas ak letak maximum ak spend..mngkn 20% dr jumlah ak spend bole di savingkn..area yg bole di jimatkan adalah:
a)makan minum
b)topup

mngkn dlm rm150 bole save dr due mende ni..darab 3 bln dpt la rm450..tp mngkn jugak ak gne duit ni tuk g umah makcik ak ujung mngu or klua ngn membe-membe ke kn..kire burn la jgk..trmasuk la tiap2 mnggu g laundry..

ap2 pon berbekal kn rm1300 tu ak nk g shoping jgk..tolak travel cost ble la ak spend rm1000 tuk beli kasut n baju or jeans...

gaji=rm2100

tp xle gune da gaji ni nk buat shoping..mase gaji ni masuk msti sale da abes..xsuke shoping mase xde sale..trase rugi..

january 2011

income(dec)=rm2100
spend:
sum sume la senang=rm1300

balance=rm800
total saving(start from zero sbb da abes shoping)=rm800

huahuahua..jd for this month punye saving akn dhabis kn pd bulan feb sbbnye ad chinese new year sale..kahkah..

gaji=rm2100(ni pon klu worst case ak xkompem lg jd xnaek la gaji..max 6bln kje)

spend:
sum sume=rm1300

balance=rm800
total saving=rm800+rm800
=rm1600

saving ni xle dhbskn smua..jd mngkn ak amek rm1200 tuk shoping..balance simpan takot ap2 jdik kan..

so summary dr sume ni..i will not get couple again untill puas dgn dri sndri..hahaha..sory..im going to be lone ranger for quite sometime till i figure it out later..