last khamis & jumaat dapat peluang pergi seminar anjuran GHR, very lucky to be selected and paling best sbb FOC.. hehe.. the 1st day is about Islamic Financial Market while the 2nd day is about Personal Financial Planning.. hubby & me are actually in the midst of discussing about our financial plan and the seminar is just perfect for us.. so, i'll share some of the learning here.. mungkin meaningful to those who haven't start a plan yet.. =)
They are 4 ways to create savings:
[1] Pay yourself first - allocate at least 10% of our monthly income (or joint monthly income for married couple) for savings
[2] Your future in a peanut can - simpan duit2 sen tu dalam tabung, make it a habit!
[3] Spend your way to wealth - invest! invest! invest!
[4] The right way to use supermarket coupons - kalau dpt kupon rm30, bila dah guna, simpan balik duit the same amount as savings..
I'll write more later on the subject.. kene sambung keje plaks.. huhu
Monday, April 24, 2006
Thursday, April 06, 2006
child of our time
Hempp.. lepas baca post terbaru yati obsessi possesi, teringin jugak nak meluahkan perasaan.. and for sure pasal puteriku sorang si Aisya Afiqah..
Kisahnya, minggu lepas dia demam and sampai sekarang walaupon demam dah baik, selsema & kahak dia ada lagi, cuma dah lesses sbb dah makan antibiotik.. last week hubby & me ambik cuti starting Thursday sampaila Monday sbb balik kampung hubby kat Lunas.. maknanya 5 hari la Aisya tak ke nursery & stay 24hours with us.. happy mmg happy sbb dah lama tak spend masa dgn dia sampai betul2 puas.. tapi masalahnya, dia dah mula pandai merengek2 (zaman buat nangis olok2 dah berakhir dah) dan memerap a.k.a manja2 kot maksudnya.. kalau merengek tipu2 takpe lagi, tapi masalahnya kalau tak dilayan dia akan nangis sekuat hati.. macam kene pukul je bunyinye.. bila merengek, sure dia nak berdukung ke sana ke mari, sampaikan masa kat rumah MIL, 2-3 malam nak tido atas bahu mama dia.. dengan papa takdela dia memerap sangat.. tapi kalau dengan mama, takleh nampak bayang langsung.. macam Yati cakap, mmg rasa seronok bila anak kita sayang sangat kat kita, tapi kadang2 sampai rasa rimas.. nak mandi, masak, pegi toilet semua nak ikut.. dan perangai dia tuh berlarutan sampai ke nursery, sbb kat nursery dia manja sangat ngan makcik Indon ni.. makcik tu cakap maybe sbb badan dia rasa tak sedap kot, sbb tu merengek kuat.. pagi tadi pon sama.. sampai nak tukarkan pampers pon susah, and akhirnya papa dia menggunakan paksaan.. hehe.. kesian.. and dia pon dah pandai merajuk.. kalau dah nangis lama2 bila org tak layan perangai buruk dia, mulalaa merajuk.. nak sentuh pon tak bagi tau.. so, lastly biar je dia reda sendiri, takpon distract dia dgn mainan or katun kat tv.. lagi satu dia minat tgk katun tertentu saja.. and bila kat channel 60- 63 tu takde satu pon yg dia minat, mula la marah.. hemm... sabar jela..
Last Monday tertengok siri Child of Our time (camni ek tajuk die) kat channel 10 kalau tak silap.. and mmg kena sangatla dgn problem yg kitorang face currently, pasal how to discipline our toddlers yg besar2 Aisya ni.. and mat saleh2 ni buat kajian, kita kena treat them like a puppy.. mmg bunyinye cam tak patut, tapi apa yg dia maksudkan, kalau kita train puppy, bila dia buat something yg tak patut dibuat, kita jangan layan.. tapi bile dia buat something good, kita praise dia betul2, by saying very goodor apa2 yg seangkatan dengannya.. rancangan tu tunjukla a few couple with the same problem like ours, and bila diorang practice suggestion yg pakar2 tu bagi, alhamdulillah anak2 diorang semakin dengarkata.. memula mmg susah sbb kita terpaksa bingitkan telinga bila diorang merengek or menangis sepuas2 hati bila tak dapat apa yg diorang inginkan.. tapi thats the way to discipline them.. kalau kita ikutkan sangat apa yg diorang nak walaupon tak patut dibuat, later well spoil our own child.. nanti dah besar diorang lagi keras kepala.. so better start from early age sbb diroang bukannya ingat pon bila dah besar.. put our pity aside first.. tapi for those parents with babies (<1 year old), dont practice this style ok! Because your baby cries for reason & attention, bukan olok2.. =)
Kisahnya, minggu lepas dia demam and sampai sekarang walaupon demam dah baik, selsema & kahak dia ada lagi, cuma dah lesses sbb dah makan antibiotik.. last week hubby & me ambik cuti starting Thursday sampaila Monday sbb balik kampung hubby kat Lunas.. maknanya 5 hari la Aisya tak ke nursery & stay 24hours with us.. happy mmg happy sbb dah lama tak spend masa dgn dia sampai betul2 puas.. tapi masalahnya, dia dah mula pandai merengek2 (zaman buat nangis olok2 dah berakhir dah) dan memerap a.k.a manja2 kot maksudnya.. kalau merengek tipu2 takpe lagi, tapi masalahnya kalau tak dilayan dia akan nangis sekuat hati.. macam kene pukul je bunyinye.. bila merengek, sure dia nak berdukung ke sana ke mari, sampaikan masa kat rumah MIL, 2-3 malam nak tido atas bahu mama dia.. dengan papa takdela dia memerap sangat.. tapi kalau dengan mama, takleh nampak bayang langsung.. macam Yati cakap, mmg rasa seronok bila anak kita sayang sangat kat kita, tapi kadang2 sampai rasa rimas.. nak mandi, masak, pegi toilet semua nak ikut.. dan perangai dia tuh berlarutan sampai ke nursery, sbb kat nursery dia manja sangat ngan makcik Indon ni.. makcik tu cakap maybe sbb badan dia rasa tak sedap kot, sbb tu merengek kuat.. pagi tadi pon sama.. sampai nak tukarkan pampers pon susah, and akhirnya papa dia menggunakan paksaan.. hehe.. kesian.. and dia pon dah pandai merajuk.. kalau dah nangis lama2 bila org tak layan perangai buruk dia, mulalaa merajuk.. nak sentuh pon tak bagi tau.. so, lastly biar je dia reda sendiri, takpon distract dia dgn mainan or katun kat tv.. lagi satu dia minat tgk katun tertentu saja.. and bila kat channel 60- 63 tu takde satu pon yg dia minat, mula la marah.. hemm... sabar jela..
Last Monday tertengok siri Child of Our time (camni ek tajuk die) kat channel 10 kalau tak silap.. and mmg kena sangatla dgn problem yg kitorang face currently, pasal how to discipline our toddlers yg besar2 Aisya ni.. and mat saleh2 ni buat kajian, kita kena treat them like a puppy.. mmg bunyinye cam tak patut, tapi apa yg dia maksudkan, kalau kita train puppy, bila dia buat something yg tak patut dibuat, kita jangan layan.. tapi bile dia buat something good, kita praise dia betul2, by saying very goodor apa2 yg seangkatan dengannya.. rancangan tu tunjukla a few couple with the same problem like ours, and bila diorang practice suggestion yg pakar2 tu bagi, alhamdulillah anak2 diorang semakin dengarkata.. memula mmg susah sbb kita terpaksa bingitkan telinga bila diorang merengek or menangis sepuas2 hati bila tak dapat apa yg diorang inginkan.. tapi thats the way to discipline them.. kalau kita ikutkan sangat apa yg diorang nak walaupon tak patut dibuat, later well spoil our own child.. nanti dah besar diorang lagi keras kepala.. so better start from early age sbb diroang bukannya ingat pon bila dah besar.. put our pity aside first.. tapi for those parents with babies (<1 year old), dont practice this style ok! Because your baby cries for reason & attention, bukan olok2.. =)
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