Ola people..Today i'd like to share with everyone...that i've gotten myself a car..hehehe.. syok gil babs. Aaaa takde la keta mahal2, keta murah, keta second hand :).. sudah di test drive, tunggu minor defects direpair, sign loan before officially handed to me next week.
Why am i so gedik nak beli kereta? Let me tell you now, i'm freakin' 26 this year and guess what, i own no ASSETS.. the only asset i have is a microwave. (if you can even call that an asset). I own a land under my name, only because it was passed on to me after my father died. Apart from that, zero. I keep savings but have not invested in anything, except ASB. Kadang malu sendiri ok.. That is why i am determined to set goals in my life.. Please, continue reading ..
Exactly RM 63.. i spent somewhat RM 300 alone yesterday.
I'm taking 5 years RM2ok loan for the car. Monthly estimation will be RM404. Downpayment agreed is RM12,500. That was after a continous bargain with the guy. Initially the price offered was RM34,500.. i managed to convince him to sell the car for 2k lesser. I love the car, but i do need to revamp it a bit. Seat cover + sound system (sebab skrg guna kaset) and later, tinted + rim. Semua duit..tolong la hujan duit..puhlease. Mind you, i have lots of things i want to buy..agak pening though sebab now i have to see and set what are my priorities..i have them in black and white as of posting this.
Financial guide is what i need now.. I must admit, i can be somewhat boros but rest assured, walaupun aku nih kuat belanja, at the same time, aku gigih juga saving. Aku pun tak nak kena cop umur 26 maseh nak duduk bawah ketiak mak. I want to teach myself good to be financially independent..
Im taking a step now. Support me, yes friends?
Guess which one i finally decide to buy? Eheh
Why am i so gedik nak beli kereta? Let me tell you now, i'm freakin' 26 this year and guess what, i own no ASSETS.. the only asset i have is a microwave. (if you can even call that an asset). I own a land under my name, only because it was passed on to me after my father died. Apart from that, zero. I keep savings but have not invested in anything, except ASB. Kadang malu sendiri ok.. That is why i am determined to set goals in my life.. Please, continue reading ..
Exactly RM 63.. i spent somewhat RM 300 alone yesterday. I'm taking 5 years RM2ok loan for the car. Monthly estimation will be RM404. Downpayment agreed is RM12,500. That was after a continous bargain with the guy. Initially the price offered was RM34,500.. i managed to convince him to sell the car for 2k lesser. I love the car, but i do need to revamp it a bit. Seat cover + sound system (sebab skrg guna kaset) and later, tinted + rim. Semua duit..tolong la hujan duit..puhlease. Mind you, i have lots of things i want to buy..agak pening though sebab now i have to see and set what are my priorities..i have them in black and white as of posting this.
Financial guide is what i need now.. I must admit, i can be somewhat boros but rest assured, walaupun aku nih kuat belanja, at the same time, aku gigih juga saving. Aku pun tak nak kena cop umur 26 maseh nak duduk bawah ketiak mak. I want to teach myself good to be financially independent..
Im taking a step now. Support me, yes friends?
Guess which one i finally decide to buy? Eheh
31 comments:
I'm guessing Kelisa! Congrats ada keta baru. Pat mbak jalan la tok. Ehehe.
Si Penconteng:
aha, i'll make sure to make a post on it. hehehe..not telling, not quite now. and yes, thanks..nang kayo2 jak pastok
kelisa SE, since rega nya dah macam ya... dahya, aalah geng mek pakey kelisa di c.aman tok
come to think of it, i dont have any assets myself. (minus the ones given. hehe..)
i would like to get myself a car too this year after settling all the necessary payments. wish my plans will run smoothly & of course i hope it rains money & men! haha..
i think u'd go for the kenari. dont know why, just felt it. correct me if i'm wrong. ;)
anyways, im right behind u babe! u have all my support!
Kelisa!! yeay!! mek tauk dari awal2 gik ehek XD
Eh lupak mek...congrats with your new car!! ehek XD
Tuk mesti rembat keta kelisa mun nangga dari segi stail entry kali tuk n entry sblm tuk... Tahniah babe!! Ada keta baru kelak jgn lupak mek urg d kuching tuk... Hahaaa... Cam lah penah jumpa pun... Next time kita temu rami2 d kuching k?!!
Adzzha:
hehehe.. tunggu aaa mek dpt keta mek minggu dpn, kita diat sama ada kmk amik Kelisa or Kenari..mun benar kmk amik Kelisa, kita matchmake kan keta kita ya..eheh
n i e z a:
the ones given does not satisfy my feelings. Besar pun diberik org, i just dont feel i earned them. menar sik. i so wished it rains money too! or ada treasure blkg rumah aku ka..heaven dude.
ahah, on the car part, let's wait till nxt wk okai :) and muah! thanks for the support!
Audio:
Aih, tauk2 jak ktk yaaa... hehehe.. sama2 la kita tunggu mggu dpn k..
Audio:
makseh, kmk new owner jak..:) still, im loving it..
AmirFX:
wah, pandey ktk nangga dari segi stail hoh..kelak tunggu mek dpt keta mek minggu dpn, kmk akan post special entry about my new lover. one day, akan temu juak kita di kch..bila ada masa mok temu, number tipon pulak sikda..gney gaya?
Ada pendapat pensyarah UM, zaman ekonomi gawat ini sebaik-baiknya beli aset emas. Perempuan mesti ada banyak aset ini, bukan. Cik Felicia setujukah kalau saya katakan kereta bukannya aset, tapi sebenarnya liabiliti?
Sebenarnya saya yang merasakan kereta ini liabiliti. Hampir setiap hari dan setiap bulan dihabiskan duit untuknya.
*Liabiliti=Menyusahkan! haha.
Anuar:
You know what, you actually read my MIND. I did some thinking and it is very true, a car is a liability..only IF you dont pay them and only IF you buy luxury cars but is not able to maintain them. Otherwise, owning a car certainly offers good benefits..
justified? :) i thought so too
Kelisa...Kelisa nang ngenak pakey ktk..Cheh!! Ttauk2 jak..hehehe!!
serius! kelisa...
erolnukman:
Okai..cek out my post soon lah k..eheh
Sebabnya saya selalu terfikir mahu menjual kereta. Mahu sahaja menggunakan satu kereta (isteri punya) ataupun menaiki motor sahaja.
Alasan: minyak, kesesakan, servis, pembaikpulihan...Semuanya bukan sedikit duit yang membuatkan saya sedikit stres.
*Tapi selalu juga menjeling ke Mitsubishi Lancer dan Honda Civic 2.0. Haha
u go girl!
but the best asset to buy is property, since u're starting out nak kumpul asset, ingat, hutang boleh membebankan. make sure apa yg dibeli benar benar perlu.
Anuar Manshor:
aha..kalau sehingga mendatangkan masalah, memang liability la tu.. antara sebab kenapa saya amik keta murah je, tak nak jadi 'asalkan bergaya' tapi kayap makan megi kat rumah. skrg kan, saya dah tulis bagus2 berapa perbelanjaan sebulan, berapa harus disimpan..bagus kan? :)
aaa * saya ponnn sering nganga nengok HOnda Civic R. eheh!
Ida Athanazir:
hi sis! thanks for the support.
Yes, i am well aware owning a vehicle can mean liability but i am positive i can manage since i didnt buy keta mahal and bulanan boleh dihandle. InsyaAllah lah..
i have my fixed/variable expenses written down and gladly i still have some to spare :) thanks for the advice..
u r still 25 b4 this coming jun. hehe
and congratulation on ur purchase. i'm guessing a kenari, from the price. ^_^
Yasser:
more or less in 3 months, i will be 26..haih..
kenari? eheh..tungguuuu
aih keta pa beli ko ya? p ku asa kelisa juak..mun kenari x nya rega ya nak? bena kata ko lynn..kita msk 26 dah xd aset apa2 o..nsb bait ku dak beli keta juak..ya pun sambung loan abg ku..hihi..
Honestly kan Lynn, pada aku la (feel free to disagree k) kereta is not an asset, it's a liability..because value kereta depreciates over time.
I know you dilemma...but look at it this way..you live with your mum but that doesn't mean that you're not independent. My boss is a lady in her 30s who recently bought a house after she's finished paying off her car loan. She wanted to buy the house 10 years ago when it was 100K cheaper but back then she was only 26 and not earning enough, and also because she was paying off her car. Although she lives with her family until recently, I can tell you that's she's one of the smartest and most independent person I've been fortunate to meet.
I have a house of my own now but I still lepak at my mum's house every week because my dogs are there..so I'm still emotionally dependent on my family and my lovely adorable dogs!
You have ASB kan?That's an investment already. Mun dah banyak sikit duit, boleh simpan dalam FD, or beli shares...
Sigek gik..beli emas..tapi sik semestinya emas jewellery ya..kat Maybank ada gold savings account..let's say harga 916 gold is RM125/gram kinek tok..if you deposit RM250, that means you 'beli' 2 gram emas 916 for your gold account. So if 2 years from now 1 gram is RM150, your investment value will be increased to RM300.
We know the price of gold keeps getting higher over time, but if you want to re-sell your gold jewellery, remember that your purchase price included labour cost, so bila jual balik, nya akan murah sikit daripada harga asal.
Another thing about jewellery is white gold jewellery sik dapat dijual balik. The same also goes to gold jewellery yang ada stones. I don't know why but you can ask around if this is universally true.
::suenas05::
aaa lak ku dah dpt keta aku, aku snap kac gmbr keta aku, aku post ...tunggu aaa..eheh..ya nang benar, perlu ada perancangan, sikkan pey umor 30 lom miliki apa2..tol sik
Lois Lane:
aa, if you refer my reply to Anuar Manshor, i did tell him it depends mun kau mok nunggah ya liability..say ko meli something beyond your limit, definitely ya akan jadi liability, but if u buy something yang within your budget, i dont think it will become a liability, altho nang benar kita perlu bayar all sorts of thing for it tapi since mampu, why not? Ada org meli keta k show show, ada org meli k keperluan, im in the latter..
i'll take that story as an example. :)
Yea, aku ada ASB..every year disimpan bonus..haih, kdg nang payahhhh ku mok disciplined but proudly, i can eheh..
*untung kau dah ada umah dirik..
Lois Lane:
nice to know this info..Thanks!
where got untung diam rumah sendiri...kemas-mengemas pun sendiri juak...huhuhuhuhuhu..everything done manually sebab aku baru start standing on my own two feet (before this stand on my mak bapak punya feet..so my feet became happy feet..hahahahaha) and there are many necessities I have to go without..like washing machine (Ya Rabbi aku nang malas cuci baju)...I aim habis bayar rumah ya plg lambat pun 1 year after I retired...
Lagipun, rumah ya rumah lama family ku, so ada 60K discount..hahahahaha..
Lois Lane:
tapi u get to deco it yourself..haih,mun aku alu dikaler ku ijo mirah biru rumah aku ya..ahahah.. aku tok suka kaler terang2.
but you can be proud (altho rumah family) still, u get to get ur own house. kira ada kemajuan bah, at least one of the target ya udah tercapai. (sik ko alu bertandak kedak happy feet) ehehe.
yahh, washing machine mun sikda, alu lah pulang ke zaman sekolahhhh..apu, sik sanggup ku..dah la dlm sehari aku boleh bertukar baju 2 3 pasang..sik lamak aku lu mukak kedai dobi di sri aman k cater insan2 yang malas mencuci..
thanks for words, again
your're welcome, Lynn, anytime...
ya kelisa kah kenari? kedak kenari jak mek diat...
baruk mek paham...hihi...mun mek jadi kitak mek ambik kelisa....mek suka kelisa...suka suka suka...p mek suka gik myvi puteh..sikpa,k permulaan nak....kelisaaaaaaaaaa...hihihi..
White Tulip:
aaa,..kali ktk keliru part ujong..kmk lom padah gik apa mek beli..eheh, tunggu lah keta dah sampey bok mek ngkah entry..kmk suka myvi kaler oren/biru ya..tang kac jak
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