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Author: julia5094

Kongsikan tip Jimat Wang Anda! Bukan Kedekut Tapi Berhemah

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 Author| Post time 30-9-2020 03:36 PM | Show all posts
hotmak replied at 30-9-2020 03:28 PM
aminnn, same goes to you & semua kat sini

baking tu sebab byk masa terluang, malam bukan ada bu ...

Betul sangat...nak2 kalau yang boys tu. Sekarang ajak jalan2 kat mall pun tak mau diorang. Mama jenis suka window shopping...bosannya. Tapi ada la benda positif kat situ. Jimat la duit..kalau tak, ntah apa2 yamg di beli.

Skincare i pakai yang perlu saja. Moisturizer tu wajib kena ada la...Tapi iols suka barang mekap. Foundatin, blusher, eyeliner, eyebrow liner tu wajib ada. So cleansing oil pun wajib ada la..untuk buat double cleansing. Kalau tak mekap tak boleh nak tanggal habis...

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Post time 30-9-2020 03:58 PM | Show all posts
julia5094 replied at 30-9-2020 03:05 PM
Hebatnya..i jenis yang tak pandai plan. Selalu je install apps konon2 nak buat budget. Last2 budge ...

Tak hebat you, kalau dah selalu membeli ni memang rasa nak shopping je lah..masa MCO parcel everyday sampai. Ada jugak 2-3 kali dalam sehari . Pecah la rahsia I selama ni shopping barang sampai ke office, disposed evidence . Kena lecture habis habisan dengan husband and terus dia jadi Marie Kondo, mana tak nya wardrobe dia pun I dah take over and baju dia semua in 2nd bedroom
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Post time 30-9-2020 04:18 PM | Show all posts
julia5094 replied at 30-9-2020 03:18 PM
Salah satu benda yang i jimat...potong rambut my boys sendiri. Termasuk my hubby. Tapi sekarang anak ...

wow..bestnya pandai gunting rambut anak- anak sendiri..salutelah..kalau i senget senget rambut anak..nak lawa memang ke kedai jua lah.
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 Author| Post time 30-9-2020 04:33 PM | Show all posts
CocoCily replied at 30-9-2020 03:58 PM
Tak hebat you, kalau dah selalu membeli ni memang rasa nak shopping je lah..masa MCO parcel everyd ...

I suka tengok marie kondo tu. Ada sekali rancangan dia masuk netflix kan. Sekarang ni i cuba jugak susun baju anak2 masuk bakul macam dia buat tu. Kagum la dengan dia..Tapi sekarang kat netflix ada jugak satu rancangan ala2 marie kondo ni. I tak ingat dah tajuk apa. Tapi kat netflix jugak la. I kalau tengok rancangan tu, bukan main semangat lagi nak kemas rumah. Lepas tengok rancangan tu je la..
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 Author| Post time 30-9-2020 04:36 PM | Show all posts
puanbintang replied at 30-9-2020 04:18 PM
wow..bestnya pandai gunting rambut anak- anak sendiri..salutelah..kalau i senget senget rambut ana ...

Rambut anak lelaki senang je nak gunting berbanding yang gegirl. Guna mesin gunting rambut tu je. Awal2 takut jugak nak guna..Sekarang ok dah..Kalau balik kampung tu siap la..i kena potong rambut anak2 saudara semua..
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Post time 2-10-2020 02:26 PM | Show all posts
tips I berjimat

1. masak sendiri and makan simple2
2. skincare drugstore je… mandi dgn Dettol je beli refill pack biar satu family pakai benda sama
3. tanam sayur2 dan bahan masakan sendiri….
4. uninstall online shopping apps, tinggal 1 je utk beli barang keperluan
5. pakai kereta murah tp selamat, I pakai axia, kos service rm200 je.. minyak rm30 full tank for 500 km
6. kurangkan gi mall, bila tak gi window shopping, maka takde la bazir merata…
7. kalo sale gila2 brg kita mmg selalu pakai, beli terus 4-5 botol, so that tak perlu ke watsons selama 2 tahun
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Post time 3-10-2020 12:49 PM | Show all posts
cara i and family berjimat.. i akan buat ledger spending.. tu after tolak monthly commitment and also savings.

balance for spending tu i akan try to save jugak..
husband i suka shopping so i akan keep track because sometimes tak sedar kan..
bila i rasa dia asyik spend i akan tnjuk ledger kita..

now kita maintain dua rumah sebab dia kat utara i kat kl. so expenses a bit higher therefore shopping shopping ni kena kurang kan la for now..

i spend banyak dekat exercise and work out outfit. i tak pegi physical store dah now i beli online cheaper.. classes pun i pakai apps instead beli package direct.. murah sikit..
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 Author| Post time 9-10-2020 05:02 PM | Show all posts
green~tea replied at 2-10-2020 02:26 PM
tips I berjimat

1. masak sendiri and makan simple2

Bagus tips ni..senang jugak nak amalkan...
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 Author| Post time 9-10-2020 05:09 PM | Show all posts
ramaramu replied at 3-10-2020 12:49 PM
cara i and family berjimat.. i akan buat ledger spending.. tu after tolak monthly commitment and als ...

U ni nampak gaya seorang yang pandai merancang..I ni berterabur sikit..sampai kesudah tak pandai manage. Yang I tau, masuk gaji simpan siap2 masuk tabung. Bab perbelanjaan tu semua...tak pernah pun list apa semua perbelanjaan. Dah masuk bulan ke 3 pun tak start2 lagi..
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Post time 9-10-2020 05:38 PM | Show all posts
julia5094 replied at 9-10-2020 05:09 PM
U ni nampak gaya seorang yang pandai merancang..I ni berterabur sikit..sampai kesudah tak pandai m ...

sebab i'm accounting background tu yang sensitive dengan spending ni tak pe slowly you.. dah ada niat pun berjimat pun kira ok.. ada awareness
all the best
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Post time 20-10-2020 11:13 PM From the mobile phone | Show all posts
Suka baca kat sini. Saya tak banyak sangat jugak saving, masih cuba tambahkan displin diri.
Everytime dapat gaji memang terus bayar komitmen, parents, insurance, save. Balance buat belanja, n try jugak save dari balance yg ada.

Duit banyak habis kat shoppee n lagi satu sephora. Skincare saya mahal2, tengah slowly tukar product yg biasa2.

Lagi satu duit banyak habis ke grabfood. Sebab now time pkp ni susah nak keluar la. Nak masak pun kerja office banyak sangat, anak kecik2.

Berapa saving kena ada bila untuk membolehkan kita berhenti ye. Teringin nak berhenti kerja jaga anak, tapi risau saving tak cukup.
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Post time 21-10-2020 01:31 AM From the mobile phone | Show all posts
superdoll replied at 20-10-2020 11:13 PM
Suka baca kat sini. Saya tak banyak sangat jugak saving, masih cuba tambahkan displin diri.
Everyt ...


Interesting question....

I myself have been asking this since early of this year... how much is enough, in order for me to retire early?

So i share sikit on what i have been doing ya sis.. coz i post based on my own understanding and experience ....

Mula2 you must list down all your monthly commitments and track your spending, to be recorded as part of your commitments.... then dari situ u dah boleh tahu, how much income you should be generating in order for you to retire early... try as much as possible to reduce your commitments... as for myself, i cuma ada hutang sebiji kereta lagi 3 tahu. Tu je commitment i...

Next is you need to think of what is your active and passive income during your retirement nnti... and your income must be higher than your commitments... kalo boleh reduce la commitment tu.. atau it would be good kalo husband u nak take up the commitment if dia setuju u retire early...

Active income ni is your income yg dpt dgn usaha, like your current employment, businesses, part time baking or menjahit, invest dalam resort and manage the resort... so yes, maybe u can consider to attend courses to up skill yourself for this active income... usually active income generates 10-30% return of investment

Passive income plak your income yg masuk dengan goyang kaki... contoh, invest dalam unit trust, ASB1, ASB2, ASB3, koperasi2, ladang sawit pajakan kepada Felcra atau Felda, retiremenf funds... a good passive income can give you 5- 15% dividends or return of investment... but this passive income requires big capital
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Post time 21-10-2020 09:19 AM From the mobile phone | Show all posts
green~tea replied at 21-10-2020 01:31 AM
Interesting question....

I myself have been asking this since early of this year... how much ...

Memang saya buat dah calculation, setakat ni hutang rumah yang kena bayar, insurans and duit belanja parents, yang ini nak tak nak kena jugak allocate.

Means memang tak leh nak berhenti awal, kecuali dari sekarang slowly start build up source of income utk hari persaraan.

Untuk tidak OT, tips yg saya guna utk berjimat:

1) Minum air masak, stop beli milo susu nescafe, air kotak, starbucks - jimat rm50 sebulan
2) Stop beli jajan, ice cream, cheese tart, cake yg trend2 - jimat rm50-100 sebulan
3) Potong astro - jimat banyak
4) Beli baju jika ada baju lama yg dibuang.
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Post time 21-10-2020 10:12 AM | Show all posts
Edited by green~tea at 21-10-2020 10:25 AM
superdoll replied at 21-10-2020 09:19 AM
Memang saya buat dah calculation, setakat ni hutang rumah yang kena bayar, insurans and duit belan ...

on your sharing tu, how do u keep being consistent minum air masak je? i dulu suka starbucks illys san fran and the likes, so i beli nescafe dolce gusto, lot cheaper dari those "crafted" beverages lah.. and rasa pun not bad... i am a coffee lover, so susah nak buang habit ni.. mcm ketagih once a day....

Part beli jajan, I mmg dah tak beli sangat all those, since working from home March haritu, i always kena stock up desserts for husband & my son... so what i did was.. i buat la kuih seminggu sekali, and store in fridge... contoh i buat batch cookie dough... and store dalam packet2 dalam fridge.. bila my son /husband nak makan, i just keluarkan dari fridge and bake for 10 mins atas baking paper.. takde benda nak dibasuh pun... sama cam donut.. i akan buat utk stock 10-15 biji (biasa i buat 10 donut, 5 burger malaysia... goreng separuh masak, pack2 dalam plastic and simpan freezer... bila nak makan, i just pop it in airfryer 2-3 bijik sekali serving for family... it is soooo easy to make... i tak stock up banyak sangat, sbb we prefer it fresh lah, takut stale simpan lama2 sangat nak perabis stock...


for lunch box husband and myself.. i usually make meal prep simpan dalam fridge, cukup untuk 5 hari bekerja.... i pun makan meal prep sbb lunchtime is short and rushing, even i fully work from home... anak i tak suka sayur sangat, so dia lunch biasa cereals and roti je....



i only cook dinner for daily... lepas husband i balik dari keje, dia layan anak dekat laman, sambil gardening, so i have ample time to cook dinner... and yes, kitorang sangat jarang2 makan kat luar... especially time MCO, i mmg tak beli langsung food dari kedai... sbb susah ler nak keluar kan lebih dari 2 orang..

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Post time 21-10-2020 10:21 AM From the mobile phone | Show all posts
So far memasak n bawak bekal dari rumah yg paling menjimatkan....cuma as a working mum it is quite meletihkan nak siapkan bekal brkfast n lunch utk 5 pax...but idea untuk prep-meal tu sgt sesuai tp i olls belum laksanakan lagi

N lagi satu i olls prefer bwk anak2 pergi park/outdoor playground...sbb it is free n xperlu sgt bwk dorang g shopping mall..sekali kuar mall confirm abis duit byk (parking..petrol..makan...jajan..shopping)
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Post time 21-10-2020 10:30 AM | Show all posts
my_irina replied at 21-10-2020 10:21 AM
So far memasak n bawak bekal dari rumah yg paling menjimatkan....cuma as a working mum it is quite m ...

haaa part bawak mall tu mmg dah jimat sangat2 uolz... cuma nya now my son dah pandai scroll lazada sendiri mintak order lego toys... amboi2 sangat... so far i am being strict to him, shopping toys only once every 2 weeks... and cannot exceed RM150 per shopping... so instead of beli lego, dia beli yang version bukan lego tu (i tak ingat brand, tp dia mcm lego dupe lah).. so dpt byk laa sikit kan mainan dia...

mmg kena bawak dia aktiviti di luar, sbb dia restless duduk rumah and online classroom and buat homework kan.. mmg kena ada toys la.. lego and army, and sedikit ultraman... lain2 i akan ajak dia mandi pool kat laman rumah, gardening pagi2... dia suka je cabut2 rumput.. playground masa MCO kitorang tak gi lah,.. masa sebelum MCO tu ada je i bawak dia cycling, gi taman2 sekitar area kitorg duduk.. mujur banyak taman kat sini boleh pegi within 10 mins drive.. kalo balik kampung, bleh mandi pool kat resort kitorg, tp kalo anak2 customer ramai sgt, i tetap tak kasi heols mandi pool, so bawak ke pantai plak...


sometimes i rasa i am a freak mom... but hey better be safe than sorry kan
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 Author| Post time 21-10-2020 02:28 PM | Show all posts
my_irina replied at 21-10-2020 10:21 AM
So far memasak n bawak bekal dari rumah yg paling menjimatkan....cuma as a working mum it is quite m ...

Sekarang i pun jarang sgt dah ronda mall. Anak2 yang ada kat rumah semua boys. Diorang mmg tak minat la pg mall sekarang ni. Suka dok terperap kat rumah. So sekarang ni kalau keluar pun cari barang dapo je la. Hubby pun tak suka...so no more window shopping for me...

Banyak dok ushar online je la sekarang ni. Kalau beli barang dapo yang biasa dok ikut yang paling kecik je la. Kecik2 memang tak boleh berenggang dengan mama. Nanti dah besar lain pulak peel diorang. Kadang2 rindu pulak time diorang kecik2 dulu. P mana2 dok mengekor mama..


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Post time 27-10-2020 12:08 AM From the mobile phone | Show all posts
hotmak replied at 30-9-2020 03:28 PM
aminnn, same goes to you & semua kat sini

baking tu sebab byk masa terluang, malam bukan ada bu ...

Haha lucu yang part Fazura tu...tak apa yang penting bahagia
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Post time 1-11-2020 01:20 AM | Show all posts
Thank you semua sebab banyak sangat tips saving yang berguna dan praktikal yang I boleh ambik contoh dan cuba amalkan..
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 Author| Post time 4-11-2020 03:35 PM | Show all posts
minah_selekeh replied at 1-11-2020 01:20 AM
Thank you semua sebab banyak sangat tips saving yang berguna dan praktikal yang I boleh ambik contoh ...

Jom kita pakat kongsi tips...kita kena bersedia dari awal. Simpan singgit sari pun dah ok. Kita tak tau akan datang macam mana. Tengok sekarang ni la. Ramai yang terkesan dari segi ekonomi di sebabkan covid ni. Eh...ayat macam buat karangan pulak..
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