style vs money?

assalamualaikum....

unemployment? recession? even malaysia was not that bad but we have to be aware that it could be we in future... so here i am... try to share some ideas perhaps u guys too can share yours and contribute oppurtunity like jobs vacancy, cheap products, and many more....

ok, 2 be truth i love fashion (perhaps im not in right field after all), have accountancy qualification cannot stop me from be passionate about style! hehe.... so eksyen! its not my intention...

so, here i will try to give some guide... about managing your money...

list need to be done:

1. what's your current income?
   
2. u re only allowed to spend the most is quarter of your income. (when i said spend it mean spend on something unnecessary eg: clothes, clothes, and clothes)
3. take into accounts whether u need that things really or not
4. do a budget and save!! save at least a quater also of your income!!

why i said quarterly on shopping??? well, we need to take into consideration others stuff, others need and wants...

here i provided an example of income. for example your income is rm 2000. (babes out there... please if ur income less than this mean u have to cut some more ur spending allowance).
here are the budget... - normal- we can do or take into consideration:

1. house rent - 200 (kl area)
2. utilities (electricity, water and internet?) -100
3. handphone top up- 50
4. transportation - 100
5. send to parents (obliged duties as a child, well do it sincerly) - 250
6. loan (car, asb, mara, studies) - 100-500
7. food ( i cannot believe myself to forget about this ) - 200 (only and if only u cook at home and dont eat any fast food or outside so u can reduce this budget to 100 otherwise stay there or increase huh?)
   

those are budget, even its not that details. so, its almost... let see... around rm 900-rm 1400. well, like i said before some of we dont spend on loans and dont give to parents because of certain reasons... (people have their own reasons).. so what's left? rm 600?

rm 600? now we have to divide into two? savings or shopping... i rather myself choose savings because we dont know what happen in future right?? fashion/style can be outdated like heidi klum always said : "today u in, 2moro u out". so to be practical here, save more...

the reason why we need to savings??

• emergency - (malang tidak berbau)
• engagement or weddings - need a lot of money!! seriously =P
• funds - your brothers or sisters... especially for first heir of the family.. and for those who marriage... ur children needs you... err your money??
• ok.. now i forget the reason why we need to saving... hahha.. perhaps to buy something really expensive? marc jacobs brand? (donno i seems in love with marc jacobs).. ok kidding!! no such things...
  

ok... practically, each month we can spend 300 - 500 for shopping but remember not only for clothes, but its also for books, magazines, office entire, holidays and many more...

so, think twise and if u want to shopping shopping wisely!!! enjoy shopping more and more by not having in mind the potential to eat mee maggi in future!!!

p/s: not to forget those who more difficult from us... some charity will help yeah!!

100 truths

Rules: Once you've been tagged, you are supposed to write a note with 100 Truths about you. At the end, choose 25 people to be tagged. You have to tag the person who tagged you.

(To do this, go to “notes” under tabs on your profile page, copy and paste this note, erase my answers and enter your own, tag people (in the right hand corner of the app) then click publish.)

WHAT WAS YOUR:
1. Last beverage: drinking water...
2. Last phone call: wan adik... cakap yg filem drag me to the hell dah bawa kuar from movie
3. Last text message: eno... saying her money already gone... same here eno
4. Last song you listened to: mentera beradu by anastahir - utube
5. Last time you cried: last two night kot???

HAVE YOU EVER:
6. Dated someone twice: mean after break up or twice means after first date? huh
7. Been cheated on: should i ask him now? nah couple pun not yet
8. Kissed someone & regretted it: never~~
9. Lost someone special : sincerely yes... skip pls
10. Been depressed: yup..
11. Been drunk and threw up: should i??

LIST THREE FAVORITE COLOURS:
12. black
13. green
14. brown

THIS YEAR HAVE YOU: (2009)
15. Made a new friend: yes and she lovely...
16. Fallen out of love: no more love dude!
17. Laughed until you cried: never in my life
18. Met someone who changed you: nah.. nope in this year...
19. Found out who your true friends were: too many... but last year!
20. Found out someone was talking about you: bad or good?
21. Kissed anyone on your friend's list: dont think so
22. How many people on your friends list do you know in real life: most of them..
23. How many kids do you want to have: 4... 2 boys and other girl
24. Do you have any pets: is pet society count?
25. Do you want to change your name: nco.. its cool what?
26. What did you do for your last birthday: kerja in eason and balik buka puasa... and text him..
27. What time did you wake up today: truth?? 10 am?
28. What were you doing at midnight last night: mukabuku before sleep at 2 half am
29. Name something you CANNOT wait for: everything i can wait... so patient suddenly.. haha
30. Last time you saw your Mother: in station??
31. What is one thing you wish you could change about your life: get bored soon enough
32. What are you listening to right now: mentera beradu... again2
33. Have you ever talked to a person named Tom: tom cruise?
34. What's getting on your nerves right now: calling from someone
35. Most visited webpage: facebook, friendster
36. Whats your real name: nur liyana che osman aka nco
37. Nicknames: nco used to be called yana before everyone has the same name
38. Relationship Status: complicated enough!!
39. Zodiac sign: virgin girl
40. Male or female?: describe my name yourself
41. Elementary?: skbu2 - jb
42. Middle School?: smkajb, tijb
43. High school/college?: kptm cheras, dbs dublin
44. Hair colour: black.
45. Long or short: long enough for me!
46. Height: can u keep my secret?
47. Do you have a crush on someone?: its irrelevant of course yes... im human
48. What do you like about yourself?: most but hated some part of me... -pcd
49. Piercings: one and only...
50. Tattoos: will never imagine bout that.. haram k
51. Righty or lefty:righty~

FIRSTS :
52. First surgery: 5/6 years old??
53. First piercing: same lah kot
54. First best friend: darjah 4 raihana.. but we lost contact!!
55. First sport you joined: track
56. First vacation: inside or outside??
58. First pair of trainers: time skolah kot

RIGHT NOW
59. Eating: nope
60. Drinking: x
61. I'm about to: have a shower
62. Listening to:none..
63. Waiting on: maghrib

YOUR FUTURE :
64. Want kids?: of course =p
65. Get Married?: ler???? kids after married right?
66. Career?: auditor!!

WHICH IS BETTER :
67. Lips or eyes: eyes!! even so sepet
68. Hugs or kisses: hugs plz
69. Shorter or taller: me? short he? secret
70. Older or Younger: for the time being..... secret
71. Romantic or spontaneous: can i take both of them
72. Nice stomach or nice arms: arms!
73. Sensitive or loud: sensitive!!! i am
74. Hook-up or relationship: hook up
75. Trouble maker or hesitant: hesitant

HAVE YOU EVER :
76. Kissed a stranger: should i?
77. Drank hard liquor: never ever
78. Lost glasses/contacts: yes!!! plz let me know where them??
79. Sex on first date: not even after zillion dates.. unless u my husband of coz
80. Broken someone's heart: hate to say yes
82. Been arrested: not YET
83. Turned someone down: refer to question 80?
84. Cried when someone died: daa.... obviously!
85. Fallen for a friend?: yup

DO YOU BELIEVE IN:
86. Yourself: yes
87. Miracles: yes
88. Love at first sight: yes
89. Heaven: yes
90. Santa Claus: used to be!! but they never show up even on christmas.. so NO
91. Kiss on the first date: nope
92. Angels: yes

ANSWER TRUTHFULLY:
94. Had more than 1 girlfriend/boyfriend at a time: im suci
95. Did you sing today?: everyday
96. Ever cheated on somebody?: for good causes... yes
97. If you could go back in time, how far would you go?: 2007 and want to stuck there..
98. If you could pick a day from last year and relive it, what would it be?: dont remember!
99. Are you afraid of falling in love?: falling in or out?
100. Posting this as 100 truths?: sure do..