...pesanan penaja...

..bosan.

Settlekan duit workshop. 2K plus plus. Aku cakap dengan Amir aku charge interest. Dia mintak aku bagi ikut rate Al-Rajhi; 0.08%. Ewah, siapa banker ni? Aku mintak dia settlekan dalam masa 10 bulan. Aku rasa tu dah cukup adil. Sebenarnya kalau ikut jiwa jahat ni aku nak suruh dia bayar dalam masa 3 bulan. PLUS interest rate ikut minggu. Tapi aku rasa cukup la aku buli dia for the next 10 months ni dengan kerja rumah.

Dia offer bayar balik RM2100. Aku rasa tak cukup tu. Aku rasa aku nak charge dia service charge sekali. Sebab aku pakai savings aku kan, so aku dah rugi in terms of annual dividend aku kat bank tu. Lagi kalau ade risiko lambat bayar. Hmmm...

Ok, I know people will say dengan husband sendiri pun nak berkira. Sebenarnya kawan-kawan, dengan husband la anda patut berkira.

You see, some husbands cannot handle money well. Amir is unfortunate to be in that group. Some of the expenses cannot be traced. Dia tak boleh berniaga. Cepat bungkus. (Sorry Amir but that's the truth.) As a wife, you should be the place where he can fall back on. BUT, you must make sure that your husband doesn't take your kindness for granted.

And there is never such a word "Duit ayang duit abang jugak." NEVER. You see, memang la kalau ikutkan duit isteri kena bagi pada husband, sebab dia bagi izin untuk kita bekerja. Tapi pada aku, that doesn't make any sense at all IF your husband is a bad financial planner. Be ruthless; at least when we impose certain rule, he will understand that there is no waiver or exemption when it comes to borrowing money from your spouse.

Treat your home finance exactly like a business finance. OPEX should be controlled, kalau burst pun patutnya dalam 10% still acceptable. CAPEX should be monitored. CAPEX and OPEX should be planned one year in advance; hence aku tangguh beli Honda City sebab masih ada cost untuk Iswara. Which is unwise kalau aku nak tambah CAPEX tapi aku nye combined annual income masih sama. Savings kena ada; especially utk case emergency. Set a bit of petty cash untuk barang dapur; even though barang dapur ialah OPEX tapi kena ada allocation untuk urgent expenditure - contoh kalau mak / mak mentua datang. Ataupun tetiba kena bawak the whole family pi makan2 kat luar.

Nak hadiah harijadi? Boleh. Since dah tau spouse punya birthday, simpan duit la at least 3 bulan dari bulan birthday tu. Nak impress spouse tapi budget tak ada. Cemana...

And satu lagi kesilapan orang dah kawin ni tak set aside budget untuk entertainment. Hello, dah kawin pun bukan sebab untuk tak pi tengok wayang, karaoke dan berjalan2. Kita tau la nak buat spontaneous punya surprise (jom pi PD) tapi kalau kereta tu boleh berjalan pakai air, go ahead la. Kalau tak, berdayung la anda pi PD tu ye. Jangan lupa bawak IC, nanti orang ingat PATI.

So, to Amir, please ensure that the standing instruction is made from your salary account direct to my Tabung Haji for RM225 each month.

Oh, please niat extra interest as 'hadiah'.. heh heh..