Tips berjimat

Dear diary,

Of what i read and finding, it end to this:

Tips 1. Budgeting and list your needs.

Okay. Setiap bulan kena buat budget sendiri. Needs tu seperti duit kereta, minyak kereta, duit belanja, bil etc. (pftttt..i done this but i'll never help so much). -_-

Tips 2. Kill your debt first.
(ok. You teach me to be a serial killer. Negative ones.)

Tips 3. Set your goal.
( Establish a time frame. Hmm lagi 3 tahun nak beli rumah. Home sweet home. Lagi setahun nak kahwin. Lagi 2 tahun nak pergi vacation. Ok goal mestilah munasabah ye.

Tips 4. Record your expenses.

Apa makna kalau record semua perbelanjaan tapi rasa tak menyesal pun dah belanja banyak gila? Nope. This one wont work for me.

Tips 5. Say 'no' to credit card!
Yeahh..sure!

Tips 6. Freeze your credit card.
Haha. Kalau dah ada kad kredit, pakar finance kata pergi bekukan dalam freezer. So when you want to use it, you have to work hard and have a time to think twice whether you want to use it or not. Bila dah payah camtu, sure dah malas dah. Biar je kad tu dok dalam freezer bersama ikan ayam.

Tips 7.Pay yourself first.
Whoahh.really? Maknanya bahagikan duit untuk saving dahulu bukan budget all the things in the end bakinya baru nak simpan. Hmm..this one might work.

Tips 8. Jangan cepat putus asa.
Yeah. Sureeeee..

Tips 9. Ukur duit di badan sendiri.
What? Ok ok i get it.

Tips 10. Istiqamah.
Hihihi.. Ok i'll try then.

Bye millionaires!

:p