Wise and Fool

"The world is a book and those who do not travel read only one page" - St. Agustine

If you are not [yet] married, please get your mind ready to be depress by seeing insufficient balance in your bank account. No matter how small your wedding is, trust me you will lose your savings at least by half. Ok, that's the boring part, the best part, happiness is waiting for you to be there =)

Well life after marriage is full of ups and downs in its own way. It can be funny, it can make you mad and it can be awesome. We were broke after the wedding day and we have to start saving again. Alhamdulillah as of today, buku ASB memancar2 semula. Haritu masa pegi kursus kawen kan dia ada ajar macam mana nak allocate duit. Well for me the formula tak boleh pakai untuk hidup aku. Dengan percentage2 dia tu, banyak sangat pecahan. Simple2 sudah. Total gaji tolak EPF, 1/3 saving, 1/3 expenses (bil, rumah,kereta bla bla), 1/3 belanja (makan, movie,jln2,berjoli2 etc). 

Kalau ikut dalam buku kursus kawen tu tak salah aku 20% saving, 40% expenses,20% petrol,10% insurans. Like haaaa?Aku tak rela nak membayar bil2 monthly lebih dari savings aku. And pernah jugak aku tengok ada orang savings sampai ikat perut. Oh come on la. Like hint said, life is fun. Make it balance sudah. Tak payah nak pening. Dont overspend and dont be too kedekut to yourself. Put aside saving dgn duit utk membayar2, yang lebih tu ko enjoy la sukati kau. Makan la sampai lebam, jalan la sampai patah kaki. Orang pun tak boleh nak cakap apa. Nak kata tak menyimpan, dah simpan dah. Nak kata hutang tertunggak, tiap2 bulan bayar kan?  

Lain la kalau kau enjoy sukati swipe sana swipe sini sampai habis credit limit. Lepas tu sangkut tak boleh nak bayar. Memang layak la kena mengata. Kalau dah perangai camtu, belajar2 la swipe pakai debit pulak ye? =)