It's been 37 days without CC and i'm doing fine. Although there are things that i wanted to buy, it's still manageable. I can still live without those things and life goes on.
I do admit that i'm not good at handling cash. Having a decent paycheck does not mean I always have extra cash in hand!. In fact, my cashflow is always in the red. If i'm able to settle the debt, there will always new things that I wanted to buy and I ended up using CC again after settling all the outstanding. To date, i'm still strugling to pay off the CC and at the same time finding doors to positif and extra cash flows. That's life..
Apart from forbidding myself to use the CC. I find that educating myself is a good way of preventing myself from spending. Apart from reading from the internet and reading for the forthcoming examination, I would read books as well. Not just about investment but more about being yourself and cultivating self discipline.
I'm currently reading the book by Ho Kok Mun - How to make money from your stock investment even in a falling market.
A friend once told me that these books does not makes you rich. Instead, it makes the author rich!. I do agree on that. But, if you do not learn from the rich, how are you going to be rich like them?. So, just ignore that kind of comment and start reading.
Another friend would say that every investment book is just the same. There are nothing new in this book compared to the previous book i read. I totally disagree as for me, every books are unique. Although there are a few similar points, there are a lot more new information that being shared by these different authors.
Well, the choice is ours to make. Read on not, it's up to me.
Sunday, February 28, 2010
Ma, I Had A Dream Last Night
Today, as we were on our way to the pool, Oyin told me about her dream last night.
Oyin : Mama, last night i had a dream
Mama : A ha... About what?
Oyin : I met sushi pack!
Mama : Ok... then what happen?
Oyin : I was taking bath when suddenly sushi pack blue scolded me.
Mama : Why?
Oyin : I don't know...
Mama : Ok... Did you cry?..
Oyin : Yes....
Mama : So sad.. my poor baby...
Oyin : After that sushi pack pink came and pacify me..
Mama : after that what happen?
Oyin : I don't know..
THE END....
Oyin, my life would be soooooooooo dull without you!
Oyin : Mama, last night i had a dream
Mama : A ha... About what?
Oyin : I met sushi pack!
Mama : Ok... then what happen?
Oyin : I was taking bath when suddenly sushi pack blue scolded me.
Mama : Why?
Oyin : I don't know...
Mama : Ok... Did you cry?..
Oyin : Yes....
Mama : So sad.. my poor baby...
Oyin : After that sushi pack pink came and pacify me..
Mama : after that what happen?
Oyin : I don't know..
THE END....
Oyin, my life would be soooooooooo dull without you!
Friday, February 26, 2010
Doa
Ya Allah Ya Rahman Ya Rahim
Kau ampunilah dosa yang telah ku perbuat
Kau limpahkanlah aku dengan kesabaran yang tiada terbatas
Kau berikanlah aku kekuatan mental dan fizikal
Kau kurniakanlah aku dengan sifat keredhaan
Kau peliharalah lidahku dari kata-kata nista
Kau kuatkanlah semangatku menempuhi segala cabaranmu
Kau berikanlah aku sifat kasih sesama insan
Kau permudahkanlah pintu rezeki untukku
Sesungguhnya engkaulah yang maha pemurah lagi maha penyayang..
Amin ya rabbal alamin....
Thursday, February 25, 2010
Mayonnaise Jar and 2 Cups of Coffee
I'm doing some filing at home when I come cross a piece of paper with this story. The story was passed down from one friend to another friend. I really feel that the story is very much true and wish to share so that whenever i'm feeling down i can just read it.
When things in your life seem almost too much to handle, when 24 hours in a day seems not enough, do remember the mayonnaise jar and 2 cups of coffeee.
A professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly, he picked up a very large and empty mayonnaise jar and proceeded to fill it with golf balls.
He then asked the students if the jar was full. They agreed that it was. The professor then picked up a box of pebbles and poured them into the jar. he shook the jar lightly. The pebbles rolled into the open areas between the golf balls.
He then asked the students again if the jar was full. They agreed it was. The professor next picked up a box of sand and poured it into the jar. Of course, the sand filled up everything else. He asked once again if the jar was full. The students responded with a unanimous YES!.
The professor then produced two cups of coffee from under the table and poured the entire contents into the jar, effectively filling the empty space between the sand. The students all laughed.
"Now", said the professor, as the laughter subsided, "I want you to recognize that this jar represents your life". The golf balls are the important things - god, family, children, health, friend, and favourite passions, things that if everything else was lost and only they remained, your life would still be full. The pebbles are the other things that matter to you, like your job, house, car etc.
The sand is everything else. The small stuff. " If you put the sand into the jar first, there is no room for the pebbles or the golf balls. The same goes with lige If you spend all your time and energy on the small stuff, you will never have room for the things that are important to you. So....
Pay attention to the things that are critical to your happiness. Play with your children. Take your husband/wife out for dinner. There will always be time to clean the house and fix the disposal. "Take care of the golf balls first - the things that really matter.
Set your priorities. The rest is just sand. One of the student asked about the coffee.
The professor smiled. "I'm glad you asked. It just goes to show you that no matter how full your life may seem, there's always room for a couple of cups of coffee with a friend and moments to spend with someone close to your heart."
When things in your life seem almost too much to handle, when 24 hours in a day seems not enough, do remember the mayonnaise jar and 2 cups of coffeee.
A professor stood before his philosophy class and had some items in front of him. When the class began, wordlessly, he picked up a very large and empty mayonnaise jar and proceeded to fill it with golf balls.
He then asked the students if the jar was full. They agreed that it was. The professor then picked up a box of pebbles and poured them into the jar. he shook the jar lightly. The pebbles rolled into the open areas between the golf balls.
He then asked the students again if the jar was full. They agreed it was. The professor next picked up a box of sand and poured it into the jar. Of course, the sand filled up everything else. He asked once again if the jar was full. The students responded with a unanimous YES!.
The professor then produced two cups of coffee from under the table and poured the entire contents into the jar, effectively filling the empty space between the sand. The students all laughed.
"Now", said the professor, as the laughter subsided, "I want you to recognize that this jar represents your life". The golf balls are the important things - god, family, children, health, friend, and favourite passions, things that if everything else was lost and only they remained, your life would still be full. The pebbles are the other things that matter to you, like your job, house, car etc.
The sand is everything else. The small stuff. " If you put the sand into the jar first, there is no room for the pebbles or the golf balls. The same goes with lige If you spend all your time and energy on the small stuff, you will never have room for the things that are important to you. So....
Pay attention to the things that are critical to your happiness. Play with your children. Take your husband/wife out for dinner. There will always be time to clean the house and fix the disposal. "Take care of the golf balls first - the things that really matter.
Set your priorities. The rest is just sand. One of the student asked about the coffee.
The professor smiled. "I'm glad you asked. It just goes to show you that no matter how full your life may seem, there's always room for a couple of cups of coffee with a friend and moments to spend with someone close to your heart."
Saturday, February 20, 2010
Share Price
Knowing to calculate and understanding the usage of P/E ratio is not enough to decide to buy or not to buy a shares. Lets look at the second factor to consider. The share price after taking into consideration the dividend received for the year. Let's look at MBB again.
Published Data @ 20/2/2010 from the star
Dividend 2009 - 8% or RM0.08 (d0)
My required rate of return - 10% (k)
Market Price - RM6.89
let's assume MBB will increase the dividend payout in future year at a fixed rate of 5%, so g - 5%
par value - RM1.00
Based on the above data, what should be the market price of Maybank?.
Based on Gordon growth model, the formula should be:
MP = d1 divide (k-g)
= d0(1+0.05) divide (0.1-0.05)
= 0.08(1.05)/(0.05)
= RM1.68
Well, based on the dividend payout alone, we should NOT buy MBB shares!. Because the current Market Price of RM6.89 is too high when the dividend received is too low.
Published Data @ 20/2/2010 from the star
Dividend 2009 - 8% or RM0.08 (d0)
My required rate of return - 10% (k)
Market Price - RM6.89
let's assume MBB will increase the dividend payout in future year at a fixed rate of 5%, so g - 5%
par value - RM1.00
Based on the above data, what should be the market price of Maybank?.
Based on Gordon growth model, the formula should be:
MP = d1 divide (k-g)
= d0(1+0.05) divide (0.1-0.05)
= 0.08(1.05)/(0.05)
= RM1.68
Well, based on the dividend payout alone, we should NOT buy MBB shares!. Because the current Market Price of RM6.89 is too high when the dividend received is too low.
Friday, February 19, 2010
The P/E Ratio
I have a degree in accounting and currently taking exams to be a registered financial planner. Although reading financial statements does not gives me head ache, I find that understanding all these ratios that come with the FS is quite a tough task.
So, today i'm going to write down my understanding on P/E Ratio. As an example, i'll take figures from Malayan Banking Bhd.
P/E = market price of share/Earnings per Share (EPS).
Quoting today's price for MBB @ RM6.89 per share;
EPS of 14.04 (source - the star online)
My acceptable P/E Ratio for investment in MBB is 9 times.
Before that, let's look at what is EPS. EPS is how much we earn for every shares we own. For MBB, we are getting RM14.04 for every shares that we own. If I have 100 MBB shares now, I would be getting RM1404.00!. Wow, not a bad choice huh?... So, should I buy or should I not?.
So, let's look at P/E ratio.We calculate P/E ratio to determine how much money are we willing to spend based on the EPS. We have the EPS and we have the acceptable P/E Ratio so the acceptable market price should be...
Acceptable Market Price = EPS x P/E Ratio
14.04 x 9
RM126.36.
Wow!. if I have the money, I should be buying as much as possible!.
This is one way of looking at the ratio. Another way is by looking at the current Market Price. For MBB the CMP is RM6.89. So, the P/E would be 0.49 which is very much below my acceptable P/E ratio of 9. So, I SHOULD BUY MBB.
BUT do bear in mind that the publish EPS is a historical figure and our decision might be wrong. To be on the safe side, we should based our calculation on projected/expected future earnings.
Happy Investing RMY!
So, today i'm going to write down my understanding on P/E Ratio. As an example, i'll take figures from Malayan Banking Bhd.
P/E = market price of share/Earnings per Share (EPS).
Quoting today's price for MBB @ RM6.89 per share;
EPS of 14.04 (source - the star online)
My acceptable P/E Ratio for investment in MBB is 9 times.
Before that, let's look at what is EPS. EPS is how much we earn for every shares we own. For MBB, we are getting RM14.04 for every shares that we own. If I have 100 MBB shares now, I would be getting RM1404.00!. Wow, not a bad choice huh?... So, should I buy or should I not?.
So, let's look at P/E ratio.We calculate P/E ratio to determine how much money are we willing to spend based on the EPS. We have the EPS and we have the acceptable P/E Ratio so the acceptable market price should be...
Acceptable Market Price = EPS x P/E Ratio
14.04 x 9
RM126.36.
Wow!. if I have the money, I should be buying as much as possible!.
This is one way of looking at the ratio. Another way is by looking at the current Market Price. For MBB the CMP is RM6.89. So, the P/E would be 0.49 which is very much below my acceptable P/E ratio of 9. So, I SHOULD BUY MBB.
BUT do bear in mind that the publish EPS is a historical figure and our decision might be wrong. To be on the safe side, we should based our calculation on projected/expected future earnings.
Happy Investing RMY!
Day 28 - 19/2/2010
Since started out this challenge, it's been 28 days without Credit Card. Life is getting harder. My cash has started to getting thinner. My investment has yet to bear fruits... Well, this is what you call life!. I can just choose to ignore the challenge and start using that plastic money like nobody's business or I can just sit, look and think what i'm going to do to ensure that I manage to overcome the hardship and come out as a winner. At least to myself.
I choose to sit, look and think how to overcome the problem.
One thing for sure apart from avoiding all those shopping complexes espesially during this long friday break is to surf the net. There are abundance of informative and useful information on the net. You can look for information about what's happening in the world today, finance, personal life, beauty advice, listening to the music and a lot more. You can even do your shopping online.
One of the good website to visit is the Yahoo Finance. In fact, I dare to challenge myself to live without CC for 100 days after reading how these ordinary people manage to live without this gold plastic convenience in Yahoo Finance.
Another worth reading website is the news portal. Be it the star, utusan or the edge, there are a lot worth reading material that can be found there. What's more, i'ts free!. At least as long as you pay the subscription fee to the internet service provider.
So, Happy Reading and Happy Not Spending for My Self!.
I choose to sit, look and think how to overcome the problem.
One thing for sure apart from avoiding all those shopping complexes espesially during this long friday break is to surf the net. There are abundance of informative and useful information on the net. You can look for information about what's happening in the world today, finance, personal life, beauty advice, listening to the music and a lot more. You can even do your shopping online.
One of the good website to visit is the Yahoo Finance. In fact, I dare to challenge myself to live without CC for 100 days after reading how these ordinary people manage to live without this gold plastic convenience in Yahoo Finance.
Another worth reading website is the news portal. Be it the star, utusan or the edge, there are a lot worth reading material that can be found there. What's more, i'ts free!. At least as long as you pay the subscription fee to the internet service provider.
So, Happy Reading and Happy Not Spending for My Self!.
I'm Feeling Angry Today!!!!!
Everything seems wrong today. What is happening? Why I feel like everybody is doing mistake and not listening to my instruction?.??... Argh.... I'm feeling depressed.. With exam just around the corner and I have yet to finish studying, With all those silly and simple mistakes done by my subordinates, a husband who seems to never listen to you, a daughter who is too dependant on you.... What i'm going to do?????..
I feel like taking another week of holiday, sitting around at home, watching tv, sending and fetching oyin to/from school, reading books, go shopping, doing facial and massage. Fuh... What a haven.
Unfortunately I can't do all that. All I can do is just write what I feel, let it out in writing and cooling down.
Well, we can't get everything that we want. We can only plan but Allah will eventually decide what is the best for us.
Ya Allah, please give me strength to overcome this angry feeling. Amin..
I feel like taking another week of holiday, sitting around at home, watching tv, sending and fetching oyin to/from school, reading books, go shopping, doing facial and massage. Fuh... What a haven.
Unfortunately I can't do all that. All I can do is just write what I feel, let it out in writing and cooling down.
Well, we can't get everything that we want. We can only plan but Allah will eventually decide what is the best for us.
Ya Allah, please give me strength to overcome this angry feeling. Amin..
Thursday, February 18, 2010
Pasif Daughter
As a mother, what would you do if your child is left behind by her/his friend because he/she is very pasif or timid?. She don't really interract with her friends, do not or unwilling to participate in her class unless she has to and sooooooo dependant on me.
Some would say that it is normal for kids to behave like that and stay in their own world and parents would just let it be like that with hope that one day things would be better and their child would be a grown up, independant and able to communicate well.
As for myself, I decided to do something. Being Oyin an only child, there are certain thing that we as parent (or me as her mother) has to force her to do it. Like swimming. If I were to listen to her, she won't be able to swim until today.
To improve her situation I decided to sent her to a speech and drama class. In this class, she is learning to speak up her mind and polish her english at the same time. Since this is a one to one class, she gets all the attention and more wiling to communicate with her teacher.
Even after attending classes, there are still a lot of room for improvement. At least she does not keep to herself anymore and is more willing to meet new friends especially in the pool.
Hopefully, she will be even better when she starts her standard one next year....
Some would say that it is normal for kids to behave like that and stay in their own world and parents would just let it be like that with hope that one day things would be better and their child would be a grown up, independant and able to communicate well.
As for myself, I decided to do something. Being Oyin an only child, there are certain thing that we as parent (or me as her mother) has to force her to do it. Like swimming. If I were to listen to her, she won't be able to swim until today.
To improve her situation I decided to sent her to a speech and drama class. In this class, she is learning to speak up her mind and polish her english at the same time. Since this is a one to one class, she gets all the attention and more wiling to communicate with her teacher.
Even after attending classes, there are still a lot of room for improvement. At least she does not keep to herself anymore and is more willing to meet new friends especially in the pool.
Hopefully, she will be even better when she starts her standard one next year....
Wednesday, February 17, 2010
Day 26 - 17/2/2010
Hari ni dah mula terasa cabarannya bila tak boleh guna CC. Sebab awal-awal tahun ni banyak bil yang perlu diselesaikan. Nak bayar cukai pintu dan cukai taksiran pun dah perlu guna duit yang agak banyak. Kena lebih pandai manage cash yang ada.
Sebagai langkah berjaga-jaga supaya cash sentiasa ada, aku tangguhkan dulu pembelian alat-alat kosmetik. (jangan jerawat naik dah lah..). Yang keduanya, sekarang ni memang kena lebih berjimat. Lupakan sajalah hasrat nak ke pusat membeli belah.
Satu taktik yang aku rasa berkesan untuk elak guna CC adalah dengan elakkan mengunjungi pusat membeli belah walaupun ada masa atau tak ada apa-apa nak buat. Hadkan kunjungan kepada satu atau dua kali sebulan untuk beli barang keperluan dan tengok barang-barang yang ada ditawarkan dengan harga yang murah.
Ada sesetengah barangan tu masa offer kalau nak dibandingkan dengan generic products memang lebih berkualiti dan tahan lama walaupun harganya mahal sikit. Terutamanya baju oyin. Jadi, alah membeli menang memakai.
Dengan semangat yang ada, aku yakin akan boleh hidup tanpa CC untuk 100 hari dan habiskan bayar o/s dengan masa yang paling cepat. Lepas tu, baru boleh guna dan bayar penuh sebelum due date...
Good luck to my self!
Sebagai langkah berjaga-jaga supaya cash sentiasa ada, aku tangguhkan dulu pembelian alat-alat kosmetik. (jangan jerawat naik dah lah..). Yang keduanya, sekarang ni memang kena lebih berjimat. Lupakan sajalah hasrat nak ke pusat membeli belah.
Satu taktik yang aku rasa berkesan untuk elak guna CC adalah dengan elakkan mengunjungi pusat membeli belah walaupun ada masa atau tak ada apa-apa nak buat. Hadkan kunjungan kepada satu atau dua kali sebulan untuk beli barang keperluan dan tengok barang-barang yang ada ditawarkan dengan harga yang murah.
Ada sesetengah barangan tu masa offer kalau nak dibandingkan dengan generic products memang lebih berkualiti dan tahan lama walaupun harganya mahal sikit. Terutamanya baju oyin. Jadi, alah membeli menang memakai.
Dengan semangat yang ada, aku yakin akan boleh hidup tanpa CC untuk 100 hari dan habiskan bayar o/s dengan masa yang paling cepat. Lepas tu, baru boleh guna dan bayar penuh sebelum due date...
Good luck to my self!
Friday, February 12, 2010
Tuesday, February 9, 2010
Day 18 - 9/2/2010
Today:
1. sent car for periodic maintenance before going for balik kampung holiday this weekend.
2. Spent Rm175 for car maintenance and pay using debit card.
3. spent RM15 for lunch
4. spent RM13 for taxi
5. spent RM 15 for tidbits and swmg yin.
6. SUCCESSFUL in not using CC. Yahoo...
1. sent car for periodic maintenance before going for balik kampung holiday this weekend.
2. Spent Rm175 for car maintenance and pay using debit card.
3. spent RM15 for lunch
4. spent RM13 for taxi
5. spent RM 15 for tidbits and swmg yin.
6. SUCCESSFUL in not using CC. Yahoo...
Monday, February 8, 2010
Nurin's Swimming Lesson
My Dear,
I'm very, very proud of you. Today, you are 5 years, 8 months and 4 days but you have learnt and achieved a lot.
You are able and dare to swim in adult swimming pool without float. If you remember correctly the first time we went to swimming pool about 3 years ago, I wouldnt believe that you will be what you are today. At that time you don't even want to let go of my hand. You wil make sure that we carry you everytime we were inside the pool. The problem is, you do not like to use floats!. But, water is one of you favourites.
Until one time, I think somewhere December 2008/January 2009, either you go for swimming lesson or we won't go swimming again. Left with no choice, you started learn to swim from Teacher Atuk Salleh.
So, that's the beginning of our new routine. You will be having lesson twice a week. Either me or ayah will sent you for class @ Bangsar Swimming Complex. We did spent quite a lot to ensure that you are able to swim as 8 hours class cost us Rm250.
You are so frighten during the first few hours of lesson. But, after 15 hours of training, your hard work began to show results. Of course, initially it was the easy style.
Since then, it's been a year. Along the way, there are times you did not have class. It's either i'm busy, or it's raining season, you are not feeling well or you just not in the mood to learn. So many reasons for not to have class!.
You are now learning the free style after so much pestering and pleading. It's not that I do not want to listen to you but, now is the best time for you to learn. I hope one day you will understand sayang.
Like Teacher Atuk said, you are now in the mood to learn. This makes it easier for you to understand the lesson. After only two hours of class I can already see the improvement. As i have already promise, we'll stop swimming lesson once you able to swim free style.
I'm very, very proud of you. Today, you are 5 years, 8 months and 4 days but you have learnt and achieved a lot.
You are able and dare to swim in adult swimming pool without float. If you remember correctly the first time we went to swimming pool about 3 years ago, I wouldnt believe that you will be what you are today. At that time you don't even want to let go of my hand. You wil make sure that we carry you everytime we were inside the pool. The problem is, you do not like to use floats!. But, water is one of you favourites.
Until one time, I think somewhere December 2008/January 2009, either you go for swimming lesson or we won't go swimming again. Left with no choice, you started learn to swim from Teacher Atuk Salleh.
So, that's the beginning of our new routine. You will be having lesson twice a week. Either me or ayah will sent you for class @ Bangsar Swimming Complex. We did spent quite a lot to ensure that you are able to swim as 8 hours class cost us Rm250.
You are so frighten during the first few hours of lesson. But, after 15 hours of training, your hard work began to show results. Of course, initially it was the easy style.
Since then, it's been a year. Along the way, there are times you did not have class. It's either i'm busy, or it's raining season, you are not feeling well or you just not in the mood to learn. So many reasons for not to have class!.
You are now learning the free style after so much pestering and pleading. It's not that I do not want to listen to you but, now is the best time for you to learn. I hope one day you will understand sayang.
Like Teacher Atuk said, you are now in the mood to learn. This makes it easier for you to understand the lesson. After only two hours of class I can already see the improvement. As i have already promise, we'll stop swimming lesson once you able to swim free style.
Day 17 - 8/2/2010
Today:
1. Spent Rm4 for lunch
2. stay in the office
3. not using CC
4. Feeling got with CC service provider as it takes ages for the to pick up the phone
5. Feeling very proud of my preety girl, Nurin Nani's achievement at the age of 6.
1. Spent Rm4 for lunch
2. stay in the office
3. not using CC
4. Feeling got with CC service provider as it takes ages for the to pick up the phone
5. Feeling very proud of my preety girl, Nurin Nani's achievement at the age of 6.
Sunday, February 7, 2010
Hari ini Hari Ke Enam Belas - 7/2/2010
Hari ini:
1. Kelas @ Ampang - gina
2. spent RM10 to buy newspaper and jajan 4 yoyin
3. stay @ home surfing the net and updating my blog
4. nak bawa yin g swimming and spent RM7 for entrance fee
5. pegi jalan-jalan di pasar malam orang kaya kat bangsar. Menarik dan mahal harganya. Tapi barang yang dijual segar-segar.
6. Tak mau guna CC untuk belanja... dan BERJAYA
1. Kelas @ Ampang - gina
2. spent RM10 to buy newspaper and jajan 4 yoyin
3. stay @ home surfing the net and updating my blog
4. nak bawa yin g swimming and spent RM7 for entrance fee
5. pegi jalan-jalan di pasar malam orang kaya kat bangsar. Menarik dan mahal harganya. Tapi barang yang dijual segar-segar.
6. Tak mau guna CC untuk belanja... dan BERJAYA
Saturday, February 6, 2010
Hari Ke Lima Belas - 6/2/2010
Hari ni cuma bawa yin g swmg dan duduk rumah sahaja. Langsung tak belanja.
Kata Nurin
Mama, kalau mama tak ada.....
Nanti saya sedih,,
Nanti saya rindu mama ...
Siapa yang nak mandikan saya,
Siapa nak pujuk saya kalau saya merajuk..
Kalau saya jatuh, siapa yang nak ubatkan saya..
siapa yang nak marah saya,
Siapa yang nak bebel kat saya,
siapa nak main dengan saya,
Siapa nak bawa saya pegi jalan-jalan...
Siapa yang nak buatkan saya susu,
Masak untuk saya..
tapi, mama pandai ke masak?...
Dan yang paling penting, kalau mama tak ada
macam mana saya nak dapat adik Baby.....
Friday, February 5, 2010
Hari Ke Empat Belas - 5/2/2010
Adakah hari ini aku akan berjaya?. Harap-harap begitulah. Sekarang ni duit tengah ada memang tak terasa nak gunakan kad kredit. Tunggulah nanti cabaran sebenar akan tiba bila duit tak ada atau tak masuk lagi..
Hari ni melayan oyin di JJ. Shopping dan main di smart world. Masih cash dan debit card basis sahaja.
Hari ni melayan oyin di JJ. Shopping dan main di smart world. Masih cash dan debit card basis sahaja.
Cahaya Kecintaan dan Kesayanganku
Apa yang boleh menggembirakan manusia?. Harta, wang, pangkat, kuasa, wanita, cinta, kasih sayang?. Banyak faktor yang boleh membuatkan manusia rasa gembira. Walaupun ada harta, pangkat dan kuasa, tanpa cinta dan kasih sayang hidup kadang kala takde maknanya juga..
Siapa Cahaya Kecintaan dan Kesayangan saya?.
NURIN HANNANI, awaklah cahaya kecintaan dan kesayangan mama..
Kalau awak tak ada, tentu hidup mama akan rasa sangat sunyi dan tak bermakna. Rasanya semua yang mama buat sekarang ni adalah untuk awak.
Sebab?. Sebab mama cuma ada seorang anak sahaja.
Kalau mama ada 10 orang anak, bolehlah mama ada ramai cahaya kesayangan dan kecintaan.. Tapi, mama ada seorang anak je.
Thank you for making my life complete. Life is meaningless without you.
I love you very much.
Siapa Cahaya Kecintaan dan Kesayangan saya?.
NURIN HANNANI, awaklah cahaya kecintaan dan kesayangan mama..
Kalau awak tak ada, tentu hidup mama akan rasa sangat sunyi dan tak bermakna. Rasanya semua yang mama buat sekarang ni adalah untuk awak.
Sebab?. Sebab mama cuma ada seorang anak sahaja.
Kalau mama ada 10 orang anak, bolehlah mama ada ramai cahaya kesayangan dan kecintaan.. Tapi, mama ada seorang anak je.
Thank you for making my life complete. Life is meaningless without you.
I love you very much.
Dia datang lagi....
Dia tak perlukan kita. Kita perlukan dia, tapi kalau boleh kita tak mahu dia datang. Bukan sebab kita tak nak, tapi sebab kedatangannya perlu disertakan dengan usaha dan matlamat. Itulah exam atau peperiksaan atau test atau penilaian. Nama mungkin berbeza, tapi matlamatnya tetap sama. Untuk menilai. Sama ada penilaian untuk naik pangkat, untuk tentukan pemahaman kita setelah belajar atau untuk pastikan kita layak menyandang sesuatu gelaran.
Ada lebih kurang dua minggu sahaja lagi sebelum peperiksaan. Mungkin akan ada yang kata, dah tua-tua ni buat apa nak belajar dan ambil exam lagi. Ada juga yang rasa apa gunanya ambil subjek tu, bukan boleh buat duit atau ada career advancement pun. Malaysia adalah negara yang bebas, semua boleh mengutarakan pendapat masing-masing.
Jadi, kenapa aku ambil exam? atau, kenapa sambung belajar?...
Dalam hidup, setiap manusia akan ada kepentingan masing-masing. Akan ada yang sangat pemurah macam member kat tingkat 7. Akan ada juga yang kedekut dan suka mengambil kesempatan pada orang lain. Ada yang suka baling batu sembunyi tangan. Ada yang suka cabaran mahukan sesuatu yang memang dia tak boleh dapat. Macam-macam jenis manusia ada dalam dunia ni. Aku suka belajar. Suka berangan. Suka luahkan apa yang ada dalam kepada dalam bentuk tulisan dan suka merajuk. hehehe...
Jadi, walaupun aku tak suka dia datang, aku nantikan juga kehadirannya. Yang penting, kena ada persediaan. Exam ni mengajar kita memahami sebenarnya ada ramai lagi orang yang lebih pandai daripada kita dan untuk kita sedar bahawa banyak lagi ilmu yang boleh diteroka. Ia juga boleh dijadikan bukti sebenarnya kita ni memang pandai. Sebab walaupun kita tau sesuatu ilmu, tapi tak dapat dibuktikan dengan paper qualification, orang tak kan tau kita memang pandai.
24 Februari, cepatlah datang....
Ada lebih kurang dua minggu sahaja lagi sebelum peperiksaan. Mungkin akan ada yang kata, dah tua-tua ni buat apa nak belajar dan ambil exam lagi. Ada juga yang rasa apa gunanya ambil subjek tu, bukan boleh buat duit atau ada career advancement pun. Malaysia adalah negara yang bebas, semua boleh mengutarakan pendapat masing-masing.
Jadi, kenapa aku ambil exam? atau, kenapa sambung belajar?...
Dalam hidup, setiap manusia akan ada kepentingan masing-masing. Akan ada yang sangat pemurah macam member kat tingkat 7. Akan ada juga yang kedekut dan suka mengambil kesempatan pada orang lain. Ada yang suka baling batu sembunyi tangan. Ada yang suka cabaran mahukan sesuatu yang memang dia tak boleh dapat. Macam-macam jenis manusia ada dalam dunia ni. Aku suka belajar. Suka berangan. Suka luahkan apa yang ada dalam kepada dalam bentuk tulisan dan suka merajuk. hehehe...
Jadi, walaupun aku tak suka dia datang, aku nantikan juga kehadirannya. Yang penting, kena ada persediaan. Exam ni mengajar kita memahami sebenarnya ada ramai lagi orang yang lebih pandai daripada kita dan untuk kita sedar bahawa banyak lagi ilmu yang boleh diteroka. Ia juga boleh dijadikan bukti sebenarnya kita ni memang pandai. Sebab walaupun kita tau sesuatu ilmu, tapi tak dapat dibuktikan dengan paper qualification, orang tak kan tau kita memang pandai.
24 Februari, cepatlah datang....
Thursday, February 4, 2010
Hari Ke Tiga Belas - 4/2/2010
Hari ni memang tak plan untuk belanja apa-apa. Tadi dah berbelanja di pasar minggu membeli buah-buahan. Harap-harap hari ini berjaya.
Hari ni masih berjaya lagi sebab tak rasa nak beli apa-apa dan cash in hand masih ada.
Hari ni masih berjaya lagi sebab tak rasa nak beli apa-apa dan cash in hand masih ada.
Dia Ibuku
Nama emak Mriati binti Idris. Mak bukanlah seorang yang berpelajaran tinggi. Malah, mak sebenarnya tak pernah pergi sekolah pun. Tapi bukan sebab mak tak pandai, cuma keadaan pada masa mak dilahirkan yang menyebabkan arwh mbah lanang tak hantar mak ke sekolah.
Mak anak sulung daripada 9 orang adik-beradik. Tiga perempuan, 6 lelaki. Kalau diikutkan dalam kad pengenalan mak, tahun ini mak akan berumur 72 tahun. Aku langsung tak pernah tengok surat beranak mak sebab surat beranak tu dah hilang lama dulu masa zaman penjajahan Jepun.
Menurut cerita mak, mak dah dikahwinkan dengan bapak masa mak umur 12 tahun lagi. Masa tu apalah sangat yang mak tau. Dia kata, masa awal-awal kahwin dulu, bapak la yang masak sebab mak masih main pondok-pondok je masa tu. Mungkin sebab berkahwin pada usia yang sangat muda, mak telah melahirkan anak seramai 12 orang untuk bapak. Hebat kan?. Boleh dapat satu pasukan bola sepak.
Aku merupakan anak yang kesepuluh. Ramainya abang dan kakak aku. Tapi seronok juga bila punya adik-beradik yang ramai ni. Bila tiba musim perayaan, rumah mak di kampung memang tak pernah sunyi dengan anak-anaknya.
Mak bukan anak orang kaya, juga tidak berpelajaran tinggi. Kalau artikel ni tak dibacakan kepada mak, mak tak akan tahu sebab mak seorang yang buta huruf. Yang dia tahu baca cuma Al Quran. Itupun sebab mak belajar dengan tok guru di kampung. Tapi mak sangat istimewa sebab dengan segala kekurangan yang ada mak berjaya membesarkan kami semua dengan baik.
Setiap kali ada cuti yang panjang, hati rasa meronta-ronta nak balik ke kampung sebab nak jumpa mak. Selain daripada dapat tengok pokok-pokok rambutan yang sudah seusia dengan aku, tentulah air tangan mak sewaktu menyediakan hidangan tak dapat dilupakan. Walaupun mak masak cuma setakat campak-campak dan tanpa bahan-bahan yang mewah, hidangan yang mak sediakan tetap nombor satu. Rasanya tak sabar nak makan nasi lemak yang mak masak.
Masa bapak pergi dulu mak memang sangat terasa kehilangan. Walaupun bapak dah terlantar sakit tak boleh bekerja sejak aku berumur 15 tahun, mak tetap setia. Mak langsung tak boleh tengok kerusi roda yang bapak gunakan sebab setiap kali nampak, mesti mak teringat. Sepekara lagi yang buat mak tak boleh lupa adalah sebab sejak bapak tiada, jam loceng mak dah takde juga. Dulu masa bapak masih ada terutamanya masa bulan puasa, bapak akan kejutkan mak untuk bangun memasak sebab bapak tak suka makan nasi dan lauk yang dah sejuk. Mak pulak dengan rela hatinya bangun untuk masak untuk bapak walaupun bapak lepas kejutkan mak, dia masuk tidur semula sampai mak kejutkan untuk bangun sahur. Kalaulah aku boleh jadi seperti mak.
Setiap hari, mak akan pergi menoreh di kebun getah belakang rumah. Kami yang masih kecil pada masa itu, tak berani nak menoreh sebab takut pisau rosak. Apa yang dapat dilakukan adalah dengan menemankan mak sambil mengutip getah sekerap. Bau busuk jangan cerita lah, hanya yang pernah rasa sahaja yang tau. Apa yang menariknya bila mengikut mak pergi menoreh adalah bila mak keluarkan bekal makanan yang di bawa. Terasa enaknya makanan walaupun lauk yang ada cuma ikan bilis dan sayur-sayuran sahaja.
Lepas tingkatan lima, kami pun dah tak susah macam dulu. Kelapa sawit yang bapak tanam dah mula mengeluarkan hasil, jadi mak ada pendapatan yang lebih baik. Bapak pulak masih macam tu juga, selepas kena serangan jantung, dia memang dah tak sihat dan duduk dirumah sahaja.
Sejak dah bekerja dan mempunyai keluarga sendiri, kami selalu juga mengajak mak tinggal bersama-sama. Tapi, mak masih ada kehidupannya sendiri, masih ada ayam dengan kucing yang perlu diberi makan setiap hari. Masih ada kawan-kawan kelas mengaji yang dah berjanji nak belajar sama-sama. Masih juga ada jemputan-jemputan perkahwinan dan sesi-sesi rewang dan beramah mesra sambil menganyam ketupat yang perlu dipenuhi. Life mak bukan di KL bersenang lenang menunggu hidangan disediakan didepan mata.
Mak, life is incomplete without you. Walaupun banyak yang aku tak sependapat dengan mak, mak tetap mak yang tiada gantinya.
Terima kasih mak.
Wednesday, February 3, 2010
Hari ke Dua Belas - 3/2/2010
Hari ni pegi JJ Maluri shopping barang-barang dapur. Haris duitku. Nasib baik within bajet menggunakan cash sahaja. tak sempat nak g transfer duit utk guna maybankcard visa debit. tapi masih berjaya lagi.
HARI KESEBELAS - 2/2/2010
Hari ni keje. Oyin skool. Jadi, xde aktiviti shopping so. hari ni masih berjaya lagi.
Info : CC balance RM6900 - bila nak abis ni?????........
Info : CC balance RM6900 - bila nak abis ni?????........
Monday, February 1, 2010
HARI KESEPULUH - 1/2/2010
hari ini adalah hari memanjakan diri. Pegi facial, makan kat luar, urut badan dan lulur. Huh best betul dapat memanjakan diri sendiri..
Tapi masih lagi menggunakan cash sahaja. Setakat ni masih berjaya lagi.
Tapi masih lagi menggunakan cash sahaja. Setakat ni masih berjaya lagi.
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