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green~tea replied at 18-8-2021 05:56 PM
Usually bila i preach about my investment appetite geng2 tu usually cebik je.. diorang tak panda ...
Aku tak reti saham saham ni siis oii.. aku tau asb bank rakyat.. dgn mutual bank ..mutual bank tinggal brp sen jaa.. memula masuk rm1k pas tuu tak tau laa pakai biar ake.. pas tu aku beli emas gold bar dgn oub.. itu ajolaaa.. lain yilekk |
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green~tea replied at 18-8-2021 06:04 PM
There is no easy money... if it is too good to be true, IT IS TOO GOOD TO BE TRUE.. sapa je nak a ...
Tu laa kalo berckp dgn aku jual buku ribu.. masuk saham biar tak ensem ribu.. jual itu ribu jual ini ribu.. aku berjual jugak ade lingkup adelaa.. sblm pkp cantik.. lps pkp emm.. tarak mo niaga dah.. dah patah hati dah |
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Post time 18-8-2021 06:23 PM
From the mobile phone
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green~tea replied at 18-8-2021 01:41 PM
raiz tu i tak masuk lepas i & laki sama2 tengok review tak best dekat youtube.. that's why i go fo ...
Bentang sis.. i am eager to hear. Actually dh ada wahed, so far best la pueh ati
Raiz pun ada, tapi slow sikit. |
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234126 replied at 18-8-2021 11:53 AM
Husband dah berpenyakit dan umur dah over 40. Iol pun dah berpenyakit. Ni nak start keja balik mun ...
Setahu i kalau berpenyakit boleh declare, tapi kalau critical illness macam SLE, oku memang tak boleh ambil takaful dah. Ok juga ada company insured. Tapi kalau nak tanya apa2 roger je anytime ok |
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green~tea replied at 18-8-2021 02:40 AM
I just distant myself slowly... kadang2 je i join.. this MCO helps a lot.. and kena cekal kan h ...
tu la, if kira balik expenditure dgn hype tu mmg boleh jimat banyaaaak. especially makanan2 from brunch/cafe hopping, silver lining jugak mco ni.
le creuset tu mmg nampak menarik, tapi tak necessary. org ckp boleh bagi makan sedap lagi tapi yg iya nya, depends tukang masak nya jugak |
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julia5094 replied at 18-8-2021 01:23 PM
Bagusnya u..siap join kelas saham. I ni belum terbuka hati lagi ni..
mula2 i skeptikal, tapi lepas ada relative join & ada evidence baru berani nak join. mmg kena bayar and tak expect utk untung byk, just sekadar untung sikit2 tapi ada pulangan, i pun suri rumah + pregnant jadinya ada time utk allocate for class |
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depresio replied at 18-8-2021 11:04 AM
Percayala ckp aku
Org yg ko byk tolong org tu nanti jugak yg akan tikam belakng ko
Aku dah byk k ...
ya Allah semua benda ni mmg terkena kat i, dah la darah daging sendiri. i minta dia bank in cepat (tapi berlapik) dia annoyed mcm konon i tengok dia tak dapat bayar, dulu dia kerja biasa i byk tolong, now gaji dia besar, i ni surirumah & minta tong2 je duit, tu pun nak tolong mak.
kita pulak mcm dihina kan, my sister cakap lepas ni jgn bagi muka dah sebab dia tgk i baik sangat. i sedih sebab saudara. we only want the best and tak nak la gaduh time2 covid ni, i nangis2 fikir sanggup dia nak cari pasal dah la i mengandung and mcm tak kenang budi langsung apa i buat kat dia dulu. dah la benda semua dulu tu tak dibayor. i bukannya mengungkit tapi mcm apa kita buat dulu tu, tak bagi kesan langsung. sedih gila. |
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Best baca, thanks akak tt buat tred ni. I rasa kan kak, henry ni ada pada semua golongan. Cuma x sedar je. I ngaku i salah sorang tapi i dlm M40 yang selesa nak ke T20 tu tak kut.. Hiks. Takut tu ada. Dah mula beringat yang masa susah ni tak lama, masa senang pun tak lama.
Bila baca tred ni terbuka hati nak simpan semula dalm ASB. dulu ada tapi keluarkan semua pindah unit trust, and ada guna epf juga utk unit trust. Ix pandai pun nak buat duit beranak.
I sgt bersyukur belum 40 and i dah duduk kampung dengan commitment yg x byk tapi besar but i still able to manage my financial nicely.
I nak jadi org yg financial freedom, sempat merasa 2thn je. Lepas tu buat hutang semula. Manusia.. Manusia.
May we all strive to the end of this battle. By the i skrg guna Eucerin utk skincare bila kaka burit kata guna CD best.. Aku dah mula lah berangan. LOL |
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i rasa bila wfh order grabfoor or panda ni sampai berpuluh puluh just for a drinks...pun membazir...baikla bancuh kopi kat rumah, my brother buat part time jual lattee so i rasa nak minum i order . rm10 ..jimatla sikit banding starbucks or lain lain yang puluh hinggit tu..now mmg kena berjimat cermat. |
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Author |
Post time 19-8-2021 01:08 PM
From the mobile phone
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Afna replied at 18-8-2021 06:23 PM
Bentang sis.. i am eager to hear. Actually dh ada wahed, so far best la pueh ati
Raiz pun ada, ta ...
This weekend ke cane nnti i gagahkan diri bukak thread |
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Post time 19-8-2021 01:12 PM
From the mobile phone
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Justsha replied at 18-8-2021 07:59 PM
tu la, if kira balik expenditure dgn hype tu mmg boleh jimat banyaaaak. especially makanan2 from b ...
Le creuset tu berat ya rabbi.. i tak join the hype just because its heavy.. tak practical for storage, stacking...
I pakai correlle je.. itu pun 1 bunga je i tambah collection... arwah mak i kasi in 2005, hadiah mula kerja.... set dia kasi tu 20 pcs kot bunga european herbs tu.. then i slowly topup set2 corak sama... dah belas tahun pakai.. elok je lg |
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Post time 19-8-2021 01:18 PM
From the mobile phone
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Edited by green~tea at 19-8-2021 01:42 PM
Justsha replied at 18-8-2021 08:01 PM
mula2 i skeptikal, tapi lepas ada relative join & ada evidence baru berani nak join. mmg kena baya ...
I spend my time managing businesses WFH.. ada masa busy sangat2.... kena present to organizations, GLC, gomen, agencies... site visits, review documents and agreements... ajar & teman anak PDPR full time kat rumah... jaga kebun ala2 kadar LOL
sebab tu je punca sebenar i kena retire my 9-5 jobs... my rule of thumb bila i decide to early retire, ialah bila businesses tu dpt kasi steady income more than my monthly salary, and i dah settle all hutang2 (from my side dah habis loan, my husband masih ada housing loan)..
So bila i dah berjaya remove HENRY, i dah tak terikat dengan financial stress bayar commitment and lifestyle setiap bulan... mmg lega bet la part ni |
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Post time 19-8-2021 01:43 PM
From the mobile phone
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Edited by green~tea at 19-8-2021 01:46 PM
adila39 replied at 19-8-2021 12:32 PM
i rasa bila wfh order grabfoor or panda ni sampai berpuluh puluh just for a drinks...pun membazir... ...
Ni masalah i sbnrnya currently.. i order grab for lunch la sbb tengahari i nak makan banyak tp sbb sibuk byk kerja nak buat so tak sempat fikir nak masak apa.. sometimes i cuba elak order grab, i masak le megi, nasi goreng (faveret anak)... kalo order grab pun selalu benda sama je : ayam gepuk pak gembus, i love yoo, kyochon... kadang i ajak anak i round2 naik keta, beli drive thru burger king, kfc, mekdi, starbucks dah |
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Post time 19-8-2021 01:49 PM
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makneng replied at 19-8-2021 07:47 AM
Best baca, thanks akak tt buat tred ni. I rasa kan kak, henry ni ada pada semua golongan. Cuma x sed ...
Yes, it can be applicable to all sebenarnya...
Cumanya orang selalu ingat T20 ni kaya... sebenarnya tidak pun... lepas tolak komitmen bulanan, entah2 lagi teruk balance utk belanja as compared to golongan B40...
Secara reality, sebenarnya T20 ni ramai sangat HENRY.. its just too typical, langsung tak beringat |
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green~tea replied at 19-8-2021 01:18 PM
I spend my time managing businesses WFH.. ada masa busy sangat2.... kena present to organization ...
macamana la u managed semua tu ya. i admire your dedication. i stopped cari kerja for now sebab nak focus pregnancy, hutang rumah alhamdulillah takde sebab mmg FIL provide rumah & kereta habis bayar lepas kahwin. lega kat situ, tapi fikir kan husband sorang kerja. my FIL jenis mmg sediakan rumah dekat2 satu neighbourhood, time covid ni membantu jugak sebab semua dekat apa2 hal.
i tak sabar jugak nak kerja, tapi rasa hikmah jugak Allah tak bagi rezeki kerja lagi utk fokus first pregnancy ni. Husband tak pushy utk suruh work but I know child education + tuition etc isnt cheap especially living kat Klang Valley. Before pregnant, mmg depressed cari kerja but nak expect cemana kan time covid2 ni. I did small FnB business online, then had to stop sebab morning sickness.
again, really thankful for this thread. an eye opener & wake up call utk always be cautious dengan spending. |
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Post time 19-8-2021 01:51 PM
From the mobile phone
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Justsha replied at 18-8-2021 11:56 PM
ya Allah semua benda ni mmg terkena kat i, dah la darah daging sendiri. i minta dia bank in cepat ...
Maybe ada tukang cucuk tak? |
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Post time 19-8-2021 01:58 PM
From the mobile phone
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Edited by green~tea at 19-8-2021 02:05 PM
Justsha replied at 19-8-2021 01:50 PM
macamana la u managed semua tu ya. i admire your dedication. i stopped cari kerja for now sebab na ...
Husband i selalu remind i.. dah siap ke presentation deck, dah siap ke update website... and i mmg ada few whatsapp group utk keep on pushing each other.. kdg2 i hembus dalam whatsapp je kalo takde update inventories, preventive maintenance list etc...
Storage mmg pakai one drive or google drive supaya team boleh update dalam tu je files... all docs, financial stuff, legal scanned documents, semua simpan susun ikut folder and companies..
Chat group utk bisness family, group dgn business partners, group dgn project lain2, group dgn lawyers, group dengan company secretaries, group dgn staff2... pening kadang2 so i rename elok2 lah and letak group icon... whatsapp group ni penting utk push orang bergerak.. sbb tu i prefer employ orang2 muda... taknak laa orang buta IT... sbb semua jarak jauh kan....
Email, etc tu utk official communication.. mujur apps email ni senang kita nak susun ikut domain company, bleh combine dalam 1 je walau kita byk domain... i ada zoom utk manage online meetings... google meet.. microsoft teams pun ada.. kat rumah i ada dedicated home offices.. 1 utk i pakai, focus keje situ.. 1 lg office dlm library utk husband telecon..
Library rumah kena ada.. sbb kitorg suka membaca.. then library tu jugak kitorg buat filing for each properties, companies, bills, investment documents, any operational stuff... mula2 rasa malas, but eventually we have to do it |
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Post time 19-8-2021 02:08 PM
From the mobile phone
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Justsha replied at 19-8-2021 01:50 PM
macamana la u managed semua tu ya. i admire your dedication. i stopped cari kerja for now sebab na ...
Satu benda yang paling penting utk berjaya is DISIPLIN dan jangan takut utk start, sbb the biggest hurdle is always masa nak mula tu je....
motivational yo yo tu normal.. sbb tu u kena ada team ( husband, family, staff, bff) utk bounce ideas dan tukang push kalo kita malas |
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20% / y ? 
semalam cuba baca pasai wahed ni ... tak pehee ...
selamat ke GT ?
main campak macam tuje ke atau kena monitor bila nakin jual atau beli (mcm saham)?
kompeni2 kat situ patuh syariah ke?
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Category: Belia & Informasi
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Post time 18-8-2021 06:19 PM
Post time 19-8-2021 12:32 PM
