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Tips Kewangan Houseman - Langkah Ketiga

BismiLLAHirrahmanirrahim. Assalamualaikum w.b.t. Balance from previous post: RM2887. When you first received your salary, one of the most common advice is to set aside a portion of it for savings. Ada yang kata - simpan dulu sebelum belanja. Sebab nanti terlebih belanja pula ;D But in our situation, I listed all important expenses first (previous posts) because I don't want to have to withdraw the "supposedly" saved money. After we know the balance of the salary, my husband put aside: RM 350 - in Tabung Haji (neither of us had went for our Umrah/Hajj yet) RM 1025 - in ASBF RM 345 - in the bank account for car loan. We set aside RM 345 every month to use it specifically for car purposes (changing tires, services, insurance, road tax renewal). This is really helpful because at the end of the day, you won't have to fork out elsewhere when you need it. Balance: RM2887-RM350-RM1025-RM345 = RM1167 . These are what I consider as savings. We do not...

Tips Kewangan Houseman - Langkah Kedua.

BismiLLAHirrahmanirrahim. Assalamualaikum w.b.t. Part two here we go~ Balance from previous post: RM4550. Some people call it commitment, some call it expenses, I call it responsibility. The second step in managing finance is:  1. Responsibility to yourself. You have to put aside a portion of your income for self suste nance.  1. A roof over your head = rental/own house/room . 2. Bills = electric, water, sewer. My husband rented a room when he started his housemanship, the rent was RM300 . The house was occupied by other renters but I wanted him to pay the bills first; then collect the amount needed from each renter. When you know your bills, you know if something went wrong so you can adjust your usage. Rarely the water and sewer bills fluctuates but electric bills depends on weather, electrical appliances and multiple factors. Average total bills for a month: RM140 Balance: RM4550-RM300-RM140 = RM4110. 2. Responsibility to institutions. For this...

Tips Kewangan Houseman - Langkah Pertama.

BismiLLAHirrahmanirrahim. Assalamualaikum w.b.t. I had been planning to write about this for a long time but I am just so lazy XD But last few days I had contacted a friend of mine who is currently in the same position (housewife to a houseman) about financial things and because we were communicating through text, it was hard for me to explain the details of every step. I could only gave her outline but it really made me uncomfortable not having the chance to explain the details. So here we go~ First of all I would like to introduce myself and warning - this post is in two languages (English and Malay). I am currently a housewife and self-employed financial planner to my husband who just finished his housemanship, alhamduLILLAH. So I have a clear idea and two whole years of experience in managing a houseman salary. The tips that I share most suitable to singles/couples without kids. Next, let us move on to the pay check. How much will you earn as a houseman? Seca...

6th Year At Al Azhar

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Assalamualaikum w.b.t. #ThrowbackTime 2 Oktober 2012: Setelah mendarat di Lapangan Terbang Antarabangsa Kaherah. 2 Oktober 2018: Peperiksaan akhir pusingan Pembedahan (End-Round Surgery). Malangnya tiada gambar kerana penat XD How time flies~ Pertama sekali saya bersyukur kerana sudah menamatkan dua pusingan yang panjang dan kritikal: Obstretrik dan Ginekologi (OnG) dan Pembedahan (Surgery). Untuk adik-adik tahun 5 yang bakal naik ke tahun 6 selepas ujian, mungkin nak jadikan jadual senior (hihi) sebagai rujukan; Jadual round. Jadual kelas. Berbeza dengan tahun 5 ( round pagi kemudian diikuti dengan kelas petang), tahun 6, personally , lebih fleksibel kerana kelas pagi dan round petang ~ Jika round habis awal -- heaveeeen. Ada beberapa perubahan dalam jadual kelas yang diatur oleh ketua kelas dan ketua akademik. Sebagai contoh kelas agama, pensyarah datang ke hospital dan kami tidak perlu ke kuliah lagi ^^ I can't remember the last time I went ...

The moment I learn about cashback!

Assalamualaikum w.b.t. I haven't written for so long! Mainly because I do not know what to write (something like writer's block) but the thing is I don't consider myself as a writer to begin with *wondering. However, the reason I am writing now is to write to you (I don't know if I still have readers) about my update and an amazing thing I always said to my friends that are going to a holiday (yay!) So I am finally in my final year at medical school, alhamduLILLAH. I am so blessed to have those that helped my journey (do you remember when I sell cookies in this blog to crowdfund my fees?) but most of all, I am blessed to have my family supporting all the way throughout my journey. My class will end in 2 weeks and I will start having a short break to study before my exam begins~ That is the first part that I want to tell, for the sake of updating and I guess a short blog is better than nothing~ The second part like I mentioned earlier is actually about ...

Life and...

BismiLLAH. I heard someone crying... and I know that cry. Sudden onset, variable course, prolonged duration. It was the cry of death. The cry of losing someone. The cry that reminds you that you lost someone too. البقااء الى الله

Butterflies, come again and stay.

BismiLLAHirrahmanirrahim. Assalamualaikum w.b.t. When blogger.com was loading, I thought I need to ponder upon my long lost password. But apparently, my account wasn't even logged out. :) Izzayuku ya gamaah~ (How are you guys in Egypt Ammiyah) Haha. Right. Butterflies, fly away. Not long ago I was asked why did I stopped writing. The answer was simple, I tend to exaggerate while writing. So I don't want to write, until I can come up with something simple, realistic and more acceptable for future me. I don't want to be embarassed with what I wrote years ago. That is why some of my posts are long gone. Far from where I had started, I am now reaching the end of my 4th year in al Azhar as a medical student. For this academic year, I took few extra classes out of the university to survive: Otorhinolaryngology with Dr Ahmad Sa'ad of Ain Shams. Ophthalmology with Dr Hanafi of Ain Shams. Arabic Ammiyah (Basic and Medical...