Belajar Buat dan Mengekalkan Bajet

Untuk post kali ini, aku nak bercerita pasal pengurusan kewangan @ bajet. Pada tahun 2011 yang akan berakhir dalam beberapa hari lagi, banyak perkara yang berlaku disekeliling aku terutamanya melibatkan masalah kewangan. Dengan bajet yang aku buat akhirnya aku berjaya mengawal perbelanjaan aku. Ade beberapa tips yang aku boleh kongsi untuk korang. Kali ini adalah tentang bajet.

Untuk mengelakkan masalah hutang kewangan, langkah pertama adalah untuk mewujudkan dan mengekalkan belanjawan. Ia tak lah susah sangat.

Pertama sekali, membuat senarai semua pendapatan bulanan korang dan juga senarai perbelanjaan bulanan korang. Apabila menentukan pendapatan, senarai semua sumber termasuk kerja sampingan, dan lain-lain. Apabila mengira perbelanjaan, pastikan korang masukkan kos sewa/bulanan rumah, pengangkutan, makanan, hiburan, utiliti, dan sebagainya. Untuk mendapatkan gambaran yang tepat perbelanjaan sebenar, setiap malam , duduk dan tulis perbelanjaan korang, pastikan korang simpan resit korang. Tentukan jika pendapatan korang meliputi semua perbelanjaan korang. Jika jawapannya tidak, maka beberapa perbelanjaan yang perlu dipotong.

Laraskan perbelanjaan korang. Jika ia satu perbezaan yang kecil antara pendapatan dan perbelanjaan, ia mungkin bermakna mengurangkan beberapa perbelanjaan kecil seperti hiburan atau pelan telefon bimbit dan sebagainya. Jika defisit adalah lebih besar, korang mungkin perlu untuk mengecilkan kenderaan korang atau cara hidup korang. Jika pendapatan korang meliputi semua perbelanjaan, korang masih boleh memilih untuk tidak berbelanja diluar tabiat, ia akan memberi manfaat. Ini dapat memberikan wang tambahan untuk perkara-perkara seperti percutian atau dana kolej untuk anak-anak korang.

Di samping itu, pertimbangkan jika korang perlu menambah kategori baru. Beberapa kawasan yang sering dilupakan adalah dana simpanan kecemasan, pengurangan hutang, dan simpanan persaraan. Dana kecemasan memastikan digunakan untuk meliputi perkara-perkara yang tidak diduga (kereta rosak, sakit, dll), ia seharusnya timbul. Ini akan menghapuskan keperluan untuk menggunakan kredit dengan cepat yang boleh merosakkan bajet korang.

Terdapat beberapa kelebihan mengekalkan bajet korang. Mula-mula, kebanyakan orang telah menetapkan matlamat kewangan yang mereka ingin untuk dicapai pada masa depan. Kadang-kadang ia mungkin sebuah kereta baru, melancong, atau pendidikan kolej. Anggaran dapat membantu ramai orang menjimatkan wang untuk membuat matlamat ini satu realiti. Selain itu, ramai orang gagal di bawah hutang pengguna yang membebankan. Tanpa corak perbelanjaan yang berdisiplin, ia adalah hampir mustahil untuk membuat kemajuan yang banyak dalam mengurangkan hutang. Bajet peribadi akan menyediakan rangka kerja yang diperlukan untuk memulakan menghapuskan baki akaun yang melambung ini.

Jika disempurnakan dengan betul, bajet inilah yang akan membolehkan seseorang untuk memenuhi perbelanjaan mereka, tempatkan wang ke dalam akaun simpanan dan bayar hutang yang belum dibayar itu pada masa yang tetap. Akhirnya korang bebas dari masalah kewangan.

Tahniah....

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Salam semua. Rasanya dah lama aku tidak menulis dalam blog ni. Dan ada yang mungkin terperanjat kerana aku mula berbahasa Melayu. Sejak kebelakangan ini aku sangat sibuk sekali dek hal-hal yang berlaku di sekeliling aku. Hari ni aku ade mase yang terluang, jadi teringat pulak kat blog aku yang x seberape nih.

Dah lama x update blog jadi blank plak kepale otak nih. Dah x tau nak tulis ape. Tinggal lagi beberapa hari lagi dah nak masuk tahun baru 2012. Pasti setiap dari korang ade azam untuk tahun baru nih. Azam aku pada 2012 ni ialah aku nak pendapatan aku berganda dari sekarang...... hahaha. Tapi kalau nak cerita pasal azam ni rasenye lambat lg la. Aku citer lain la pulak.

Aku nak citer pasal tempat keje aku la. Nak dimulakan cerita, boss aku esok nak ke Taiwan. Katenye nak belajar. Dah tua-tua nak belajar lagi. Hahaha.... tapi ok ape belajar. Kate orang timba ilmu biarlah hingga ke liang lahad. Sebenarnya setiap saat dari kite sedang belajar. Cuma ia bergantung pade benda-benda di sekeliling kita. Kalau x banyak mesti ade sikit benda baru yang korang belajar kan. Dan mungkin korang x sedar sebenarnya korang sedang belajar. Aku pun hari ni sedang belajar lagi. Hahaha... belajar membahagikan masa aku di tempat kerja dan kat rumah.

Penat pulak la rasenye malam ni, esok aku sambung lagi la. Hari pertama setelah lame x update blog ni agak blur. Mungkin esok aku ade idea sikit-sikit yang mungkin aku boleh kongsikan bersame korang. Jumpa lagi esok.

Selamat malam.

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Osama Dead Censored Video Leaked

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World Most Amazing Video

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Renault driver Robert Kubica to leave hospital soon

Renault driver Robert Kubica says he will leave the Italian hospital where he has been recovering from serious injuries "very soon".

Kubica suffered a partially severed right hand and fractures in his right leg and arm when he crashed during a rally in February.

"I will leave hospital very soon," Kubica, 26, said. "I don't have a precise date but I hope within 10 days.

"I am starting to feel a lot better. My strength and weight are increasing."

Kubica was injured just over 10 weeks ago when competing in the Ronde di Andorra, three days after setting the fastest time at the first pre-season F1 test in Valencia.

While Nick Heidfeld is acting as his stand-in at Renault, Kubica has been slowly recovering from his injuries, which could still prevent him from returning to F1.

Renault team doctor Dr Riccardo Ceccarelli warned last month it was impossible to predict when Kubica might resume racing but the Polish driver is remaining positive about his progress.

"My recovery is moving in the right direction," Kubica said in a message to his fans on the Renault website.

"The mobility of my hand is limited but this is pretty normal in this kind of situation, because the connected arm muscles are still very weak due to the long period of immobility.

"Things are definitely improving day by day. As soon as I leave hospital, I'll head to my home in Monaco for a short period of rest.

"Then I'll move to Dr Ceccarelli's facilities in Italy where I will start a deep rehabilitation programme."

Despite a few reliability issues, Renault have made a promising start to the season as Vitaly Petrov claimed third in the first race in Australia with Heidfeld achieving the same result in the second race in Malaysia.

Kubica says he has been watching the season from the sidelines and has been keeping in regular contact with the team.

"There's no doubt it's been a strong start to the season," said Kubica. "The potential of the car, which I already noticed in the Valencia test, seems to be confirmed.

"The guys did a great job with this car and I'm sure they'll continue to improve.

"Since the season started, I've been liaising with my engineers on what's been going on over race weekends.

"They are sending me the race reports so I can remain up to date and fully informed, as if I were at the track.

"[Renault team principal] Eric Boullier is also in constant contact, keeping up to date with my general condition.

"From my side, I'll try to use my difficult experience to come back as strong as I possibly can."

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Weird 9/11 Facts - What do you think??

I just find out some fact about 9-11.
The end with the font is real, you have to try it!!!!!!!!!!!!

1) New York City has 11 letters
2) Afghanistan has 11 letters.
3) Ramsin Yuseb (The terrorist who threatened to destroy the Twin Towers in 1993) has 11 letters.
4) George W Bush has 11 letters.
5) The two twin towers make an "11"

This could be a mere coincidence, but this gets more interesting:
1) New York is the 11th state.
2) The first plane crashing against the Twin Towers was flight number 11.
3) Flight 11 was carrying 92 passengers. 9 + 2 = 11
4) Flight 77 which also hit Twin Towers, was carrying 65 passengers. 6+5 = 11
5) The tragedy was on September 11, or 9/11 as it is now known. 9 + 1+ 1 = 11
6) The date is equal to the US emergency services telephone number 911. 9 + 1 + 1 = 11.

Sheer coincidence..?! Read on and make up your own mind:
1) The total number of victims inside all the hi-jacked planes was 254. 2 + 5 + 4 = 11.
2) September 11 is day number 254 of the calendar year. Again 2 + 5 + 4 = 11.
3) The Madrid bombing took place on 3/11/2004. 3 + 1 + 1 + 2 + 4 = 11.
4) The tragedy of Madrid happened 911 days after the Twin Towers incident.

Sheer coincidence..?! Read on and make up your own mind:
Now this is where things get totally eerie:

The most recognised symbol for the US, after the Stars & Stripes, is the Eagle. The following verse is taken from the Quran.
"For it is written that a son of Arabia would awaken a fearsome Eagle. The wrath of the Eagle would be felt throughout the lands of Allah and lo, while some of the people trembled in despair still more rejoiced: for the wrath of the Eagle cleansed the lands of Allah and there was peace."
That verse is number 9.11 of the Quran.

Still uncovinced about all of this..?! Try this and see how you feel afterwards, it made my hair stand on end:

Open Microsoft Word and do the following(TRY THIS FOR REAL)
1. Type in capitals Q33 NY. This is the flight number of the first plane to hit one of the Twin Towers.
2. Highlight the Q33 N
3. Change the font size to 48.
4. Change the actual font to the WINGDINGS
try it its not a joke you will really see someting that will shock you

Scary Huh??

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Japan Gov't declares 20-km no-go zone around Fukushima nuclear plant

FUKUSHIMA —

The government on Thursday declared the 20-kilometer evacuation area around the crippled Fukushima Daiichi power plant a no-go zone.

Chief Cabinet Secretary Yukio Edano said the order, to take effect at midnight, was meant to prevent unrestricted entry into the mostly deserted area ordered evacuated after last month’s tsunami and earthquake wrecked the plant’s power and cooling systems.

He gave no details of penalties for violating the order.

“We beg the understanding of residents. We really want residents not to enter the areas,” Edano said. “Unfortunately, there are still some people in the areas.”

Officials said the order was meant to limit exposure to radiation leaking from the plant, and to control entry to prevent theft.

Edano said authorities would arrange brief visits for residents, allowing them to return for about two hours to collect necessary belongings. Residents would be required to go through radiation screening, he said.

Prime Minister Naoto Kan was also visiting the region Thursday to meet with local officials and evacuees to discuss the plans for strict enforcement of the evacuation zone.

Almost all the area’s nearly 80,000 residents left when the area was evacuated on March 12, but some have been returning and police could not legally block them.

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