Financial Planning

This semester is quite a tough semester. All my subjects are a core subject. Advance Accounting, Audit, Tax, Business Finance, Commercial Law and Fiqh 2… what a busy semester…~

Till Ummi comes back from US, I’m staying off campus. So my life is a little bit well organized. I
no longer missed my breakfast. And of course my money is saved from outside food… hehe

Since this semester require me to read the newspaper everyday so I just grabbed the paper under the car every morning...

What I actually wanna share today is, what I’ve read in the section of “YOURMONEY” NST.

Financial Planning…

Why we need financial planning??
1) To have more control of our financial affairs and be able to avoid excessive spending, bankruptcy and unmanageable debts.
2) Happy and cheerful lifeà by having a great personal relationship with our family and friends. We are no longer need to going around borrowing money.
3) Plan ahead make our life better and have a sense of freedom from financial worries and of course a smooth way to achieve personal goal in life – with consideration of achieving Allah’s pleasure in all our deeds.
4) Financial planning is also a long term planning, not only today, not only for you. It is a lifetime process and to protect the people that we love and care.

In short, financial planning helps us in realizing our future need and resources that we have. Knowing what we still have and what we have loose, make us aware and be grateful.

Here are some steps in Financial Planning:
- Assessing where you are now in financial terms
- Setting goals
- Creating a financial plan
- Implement the plan
- Monitoring and reassessing
Start planning before it keep melting hehe:)

Happy 21st birthday~

Each and every class that we "-->My n Aimi" registered together, we will always be the front sitters, even though sometimes we are the late comer...front line is kinda RESERVED for us... Dunno why... So, because of that, we barely know our classmate. But almost the entire class knows us. We kinda "BISING" and try as hard as possible to give the fastest answer if madams ask anything. And sumtimes Farah Asyikin, Izzati Syazwani n Asikin joined the club... We are all classmate since MCIIUM aka CENFOS.

But as we know, ALLAH is the BEST PLANNER... Alhamdulillah we-->My n Aimi met Nik Anis and Alya... so for the last semester study week aka revision period...we study, eat, sleep and all that My and Aimi used to do together, now we do it with Nik Anis & Alya plus my roomate Asikin...

So here some pictures of us together and celebrating the "becoming birthday of Asikin" with Yati & Pae

Happy 21st Birthday My Roomate~

My-Alya-Nik Anis-

Yati-Pae

Aimi-Alya

Formulaorangbiasa~

You buy e-books and you resell it.
A buyer you get, RM50 is yours!

Diam Bukan Bererti Hilang~

Salam alaik...Ahlan Wasahlan... lama sungguh rasanye "Mawar Berduri" ini ku tinggalkan... tak terlintas sedikit pon di hati ini untuk mengabaikan nya...

Diamku bukan bererti aku pergi membawa diri.. cuma kesibukan dunia membuatkan aku lalai seketika...

Alhamdulillah...result ku untuk sem 1 2008/2009 telah selamat sampai di tangan ku... Setinggi ucapan syukur ku pada yang Maha Pemurah lagi Maha Penyayang... Walaupun dicalit sedikit ujian...DIA gantikan dengan kegembiraan... Exam yang ku rasakan sangat susah... Ditambah pula dengan ujian dan dugaan laptop ku dicuri saat2 exam terakhir ku...

Allah gantikan kesedihan ku dengan kegembiraan.. Alhamdulillah result ku semakin meningkat... Walaubagaimanapun... bukan setakat itu impian ku... Akan ku teruskan usaha agar result ku akan terus meningkat...

Teringat kata2 seorang pakar motivasi... "Pelajar yang cemerlang tidak pernah rasa cukup... bukan tidak bersyukur... tetapi berusaha untuk mencapai tahap yang lebih cemerlang..." InsyaAllah....

"Setiap yang terjadi pasti ada hikmah nya"... setiap kali kecelakaan menimpa kita... teman2 kita pasti akan suarakan kata2 ini... dan saat itu kita pasti akan kata "ko tak kena boleh la" hehe~

Selagi kita tak nampak atau rasa hikmah disebalik sesuatu kejadian, selagi itulah kita tak akan menerima hakikat sebenar...

Semua student Economics and Management Sciences yang ambil subjek Organizational Behavior...result kita ditunda... Aku terkejut bila tiba saja di Perhentian Duta setelah 3jam pejalanan dari kampungku di Changkat Jering, Ekin, roomate merangkap classmate ku call dan memberitahu khabar angin yang didengarnya... Rupa2 nya disaat kami memerah otak... mencari idea...menjawab Exam OB... ada segelintir yang mungkin dalam hatinya terdetik "Yes...betollah apa yang madam bgth...semuanya masuk... sebijik2 plak tu"... dan tanpa memikirkan akibatnya...ader pula yang melaporkan hal ini... Akibatnye... semua student ada possibility untuk RESIT... Tapi... seperti biasa... "Ada hikmah disebalik kejadian nie..." Bagi aku... inilah peluang yang ditunggu2 untuk memperbaiki silap dan salah yang aku lakukan ketika exam hari tu... Jadi... JANGAN LEPASKAN PELUANG... sementara masa masih ada... Study la...~~

JOM KARNIVAL~