Hidupku, matiku hanya untuk Allah.

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

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 part, al

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