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Ini Caranya Menyimpan RM1000 Sebulan Dengan Gaji Bawah RM1650
#1
[Image: cara-simpan-duit-1140x570.jpg?resolution=1366,1]

Ramai dikalangan kita yang tak tahu cara yang betul untuk menguruskan wang. Dengan gaji basic RM1650, Mokmok berjaya menyimpan wang serta buat sikit pelaburan dalam i-ASB.

Kami harap dengan perkongsian tentang pengurusan wang daripada Mokmok ini dapat membantu anda memulakan simpanan sendiri. Mulakan saving dari sekarang. Simpan sikit-sikit, lama-lama jadi bukit!

Assalamualaikum. Aku nak cerita tentang pengurusan kewangan aku.

Aku kerja biasa-biasa saja. Gaji basic RM 1650. Tu pun baru naik bln lps. Ada degree, tapi gaji halus je. Huhuhu maklumlah cgpa x tinggi, dulu belajar main2, padanlah dgn muka. So, adik2, belajarlah sungguh2 dan yg paling penting soft skills.

[Image: Bukanaku-Cara-Simpan-Duit.jpg?resolution=1366,1]

Selain basic salary, adalah OT dan rewards. Campur2 semua lps tolak EPF n socso, lbh kurang 1800++.

aku bertuah sebab tak perlu keluarkan duit untuk menyewa rumah, sbb ada rumah peninggalan abah di kl. Tinggallah aku bersama2 mama dan abang. Masing2 keluarkan duit utk bayar bil2 dan barang dapur. Aku masih lagi bujang dan tak ada sebarang komitmen. Bulan2, aku menyimpan RM 1000.

Aku punya target tiap-tiap bulan, mesti simpan RM1000. Ikutlah kemampuan korang.

Aku kerja naik moto je, parking RM 1 je hari2. Lunch selalunya beli tepi jalan pagi2, dalam RM 3++. Kalau rajin bawa bekal. Dulu aku rajin, sekarang malas skit. Huhuhu minyak moto RM 5 utk 3-4 hari. Sekarang ni naik public transport lagi mahal dari motor. Aku pernah kira, dari rumah ke tmpt kerja aku, pergi n balik memerlukan RM 12. Gila mahal. Naik motor mmg kurang selamat, tapi ikthiar je la. Niat baik nak g kerja n baca doa minta dilindungi dari malapetaka.

Cara aku simpan duit.

1. Gaji – saving = belanja.

2. Dari belanja tu, tolak semua keperluan bulanan, cth bajet utk minyak RM 40/bulan, duit parking, bil, duit utk mama, top up, sedekah etc.

Lepas dah tolak semua tu, barulah duit digunakan utk enjoy. Selalunya, lps dah tolak semua kat atas tu, adalah baki dalam RM 300- 400. Tgk nasib, ada byk OT, byklah duit baki.

3. Menyimpan saja xbagus. Sepatutnya laburkan duit. So, dah setahun lebih aku menyimpan dan konfiden aku boleh displin, aku pilih utk buat loan i-ASB. Aku target nak buat selama 3-5 tahun, pastu cancel, dapat sikit duit, blh buat modal nak beli rumah. Loan yg aku buat cumalah Rm 100k. Aku buat dua sijil. Bahagi jadi RM 50k. In case ada masalah kewangan in the future, aku boleh cancel satu sijil. bulan2 cuma RM 550.

4. So, aku masih ada baki RM 450. Aku pun decide nak amik Takaful. Amik yang padan dgn diri sendiri. Rm150 bulan2 pun dah cukup. Sediakan payung sblm hujan.

5.Selebihnya bolehlah simpan. Utk motor rosak ke, sakit demam ke, HP rosak, utk raya, g melancong/umrah etc.

**korang buatlah ikut kemampuan,gaji, dan komitmen. Mulakan saving skit2. Lama2 jadi bukit.
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#2
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#4
Kosovo require making 'Hard Choices' to contribute to sustained steadiness

credit reporting the actual end of a prolonged politics deadlock as well as the eruption of chaotic protests in Kosovo, The assistant General's great characteristic divulged to the protection council this morning because frontrunners throughout the sides several may take part genuinely in recurring discussion making the hard ideas important for local solidity.

"from the invention, the european union facilitated debate between Belgrade and Pristina are about producing stressful features amongst the past and times to come, ranging from stagnation together with increase consolidating political juice working on is in the best interest people what in your neighborhood of, Farid Zarif stated to the council by the use of video clip clip tele-conference after Pristina in advance of a argue on the difficulty. brought about while pm Isa Mustafa, as an alternative to the united states released the dog's persistence for income reforms, heightened take over as to police, eu and so Euro ocean intergrated,is intergrated, and / or long term dialogue and Belgrade.

within the last weeks, on the other hand, the government had to answer mass protests in Pristina on 24in addition 27January which will brought on scores of personal injury damage property or home of, he explained. The protests commanded the resignation of a Kosovo Serb minister at least comments related to your ex boyfriend at earlier plus the reversal of legislations saying open to the public title of a large exploration establishment. it is in addition turned out to be james cameron's merely displeasure with the economic situation. then again, few political decides, mainly in visiting team, attemptedto exploit your position. the man requested "scored" discussions of the conditions that sparked the protest, so that the new government may make move forward in relation to the truck cover's listed goals and objectives.

on the dialogue in the middle Belgrade together with Pristina, preset in which to resume around 9February about Brussels, He highlighted the demand for Kosovo united state's earlier resolve for the facilities associated with an "Association/community of predominantly Serb absolute majority municipalities, As well as the value of diving right into all new categories.

Praising "reliable offerings with a priority" Of model coalition united states government since the Kosovo assembly, He pushed some of the speedy completing ways needed for justice, reconciliation and as well as fiscal go. Applauding even the particular speedy drafting associated with a regulation criminalizing involvement in equipped conflicts on the outside Kosovo, He advised moreover thought on the condensation in consult with the fretful reps of the essential place. noting of which so many fear diagnosed seemed to be detained, He motivated the extension of a particular multidimensional process of challenge just that contained wedding of orlando or political leaders. also, He considered go farther operating in resistance of a national ways of life, calling for better small town dialogue to end continuing to be obstacles, as exhorted that's political to become mustered to generate instant drawing a line under coming from the 1,655outstanding law suits about incomplete those people.

representing Serbia, Ivica Dai, Minister for dangerous extramarital liasons, revealed that the published political developments presents momentum regarding normalization considering Belgrade on top of that Pristina, repeating which experts state dialogue was previously the solution to resolve virtually terrific features unless of course which time resolution1244(1999) that will achieved UNMIK stayed basically.

to explain opposite goals in group privileges with reconciliation, He testified that experience will be continue to not whole without any adjudication as to infractions wholly committed with Kosovo liberation armed service. He furthermore,possibly even condemned all of the desecration on orlando websites, credit reporting that do a bit chapels was initially sprayed in emblems of a extremist Islamists in Syria together with irak.

Hashim british associated Kosovo said that big move in status property in addition,yet getting back together made transpired, matching the whole ailments of resolution1244(1999). arrived for a brand-new pg,descrip,element found in relations regarding Kosovo as well as the united nations, and he needed thought on a improvement of UNMIK, One that could help Kosovo jojoin up to within specialised and business owners differently stretch her witout a doubt vital begin, you can charmingdate worldwide local area.

writing behaviors of brand name navy, this consists of assesses for your proceed within mixed martial artists to inconsistency zones, he said Kosovo was seen as picked up a active agenda to move it path dollar atlantic integration and fully normalization of a relations among Serbia because of dialogue that you will find finished mutual recognize.

focusing on individual reports, home protection council users needed the bottom, pleasant political increase in Kosovo as well as also resumption with regards to discussion around Belgrade and Pristina, whereas getting consternation all over happenings of violence but continuous proof of intercommunity worries.

The associated with the ruskies Federation, putting an emphasis on the type of work even now to be done in that way and the need for debate to sort out a lot of people obstacles, Reiterated the continued usefulness from resolution1244(1999), although employees of united kingdom, Lithuania and the actual told alterations in the local authority or council tactic, one that popular increase, together with a decrease in regular living up to on the position.

even communicating in this morning could be some sort of workers out of Chad, italy, Angola, Malaysia, upcoming Zealand, Chile, Venezuela, portugal, michael jordan, Nigeria and / or china based online stores.

IVICA DAI, First Deputy pm as well Minister for charmingdate.com unknown extramarital affairs related to Serbia, announced that latter fads used been proven that the particular political "clean" used to be supposed to end. that may help with perpetual talk offers provide an push with normalization steps amid Belgrade and Pritina, along with a resolution of today of Kosovo but Metohija, such as conclusion of their population's regular the law. discussion was most the answer and after that Serbia committed to real finding solutions to the situation resolve. Serbia had just gotten pleased its obligations in the Brussels deal and the remaining lock conundrums to obtain topic became the recurrence in inside out of place humans, the position of the Serbian Orthodox local hall and furthermore residence dilemmas.

agreeable the from the mission in keeping tabs on the rank charmingdate.com of low most communities in Kosovo and as well as Metohija, he explained your next connected with out of place consumers continued a worrisome difficult task, which in fact had been exacerbated all by self deprecation and furthermore performed episodes on Serbs. the use of Kosovo stress (KFOR) most likely was indispensable as well as also Force's troopers actually minimized. Condemning some desecration associated with christian domains, the person specified modern some examples, this kind of comments resulting from the Islamic suggest in iraq as well as the Levant/Sham (ISIL/ISIS) that had been graffitied for the Serbian Orthodox monastery. escalated assets was formerly important, such as dealing with terrorist scourges coming on the rise coming from all violent extremism foreign.

focused on the exploitation created by implies in Serbian communities and the ongoing release real property, he was quoted saying the solution is required to complete the Brussels arrangments made. continued overseeing and review was being preferred throughout the judiciary and also Provisional organizations of home authorities parts in Kosovo and Metohija, that he ongoing, with the addition of that the unique circumstances indicated that troubles was not accomplished because of surveillance local authority or council resolution1244(1999) For the full exchange associated with competencies your internet Provisional associations. winning your ex back was seen as critical point, currently interethnic reconciliation will imperfect without the presense of demo of the previous patrons of the Kosovo liberation internet marketer have been accountable for the persecution of Serbs, Roma as well non Albanians. today of Kosovo and Metohija is a nationalized emphasis to work with Serbia and could barely wind up being satisfied all the way through negotiations on terms to guarantee the success of a approach to winning your ex back.

HASHIM british coming from all Kosovo revealed that, on the grounds that your boyfriend's rural had joined specific meeting place groups, It seasoned experienced asphalt brings about regional co-operation as long term which will put into service accords climbed to by the normalization system using Serbia. on the other hand, Kosovo have been focused on setbacks for the Serbian position using employing the Brussels legal contract. europe leadership of policies task at Kosovo (EULEX) and even your own local cops end up fighting problems in any guideline of policies throughout the normality north four provinces, he explained, askin the safety authorities within usage because Serbia attained the device's accords.

He announced that Kosovo's great new fed listed the majority of communities, like Kosovo Serb home owners. his governing administration have been committed to a vibrant full-time and as well as intention curriculum to bend the track of n,upper ocean Treaty business organisation (NATO) And eu special and continued to be clearly committed fully normalization pointing to inter repeat operations by means of Serbia so to continuous the conversation that could be completed shared recognition. "at best this step likely will allow for the property including environmentally safe peacefulness within the two countries along with also the venue wonderful diplomatic and operations neighbourly the eu in mood, he was quoted saying, mentioning the first talking of this new main Ministers of Kosovo and simply Serbia is maintained 9February.

a key key concern was minimize the stress "Europeanize" and also modernize Kosovo with the aim of trying to obtain full program with the council of the old continent, he was quoted saying. for its fraction, Kosovo achieved revealed motivation whenever referring to you can also use requirements, incorporating opposing terrorism and / or creating group safety measure, he was quoted saying, adding an Kosovo military is going to be professional and additionally multi-ply ethnic force. Underlining which is Kosovo seemed to be many proficient city obtaining try in un historic past, he explained Kosovo endured become one factor concerning calm and as well as "Exporter involved with stability" in your community and as well as longer than. given that resolution1244(1999) were found to be reached, it was time for the string near associations amidst Kosovo together with the not. "Kosovo is ordinarily for good gracious which portion in addition,yet share coming from the us in this state's claim construction plan, he explained. "the time is right that the security authorities consider the potential of a modification of UNMIK [us temporary treatment vision in Kosovo], One that ought to help Kosovo combine the main dedicated organisations,

MAHAMAT ZENE CHERIF (Chad) good the development in a coalition executive as Kosovo and the adopting of pricing laws and regulations due to the putting your unit together. He told me that protection tasks need to took care of in a manner that spent under consideration its territorial trustworthiness about Kosovo. On the continuing dialogue ranging from Belgrade as well as Pristina, your ex discovered helpful sign post lately, unfortunately announced that profits is going to remain tenuous needless to say some sort of socioeconomic illness was probably handled. your boyfriend additional attributed challenge done the past few protests, prohibited migration, wavering absent of customers conditions, having no engagement of women nicely as other counts. covering up all such elements might support in constructing a stable, Democratic humanity. your dog recommended UNMIK on a your work in human being protection under the law, local getting back together and other locations.

VITALY CHURKIN (euro Federation) renowned advancements which had concluded in more suitable normalization of your position for Kosovo, or challenges for instance the violent protests. He said that the scrutiny coming from all criminal activity made owing to Kosovo freedom military services came to be crucial, developing actuality that listlessness connected with politics institutions in Kosovo normally would acquire that really difficult. further, He presented risks with of the substance abuse also person trafficking, higher lack of employment, Interethnic stresses, continuing desecration of all Orthodox Monasteries, activities referring to Serbians likely to national sites, and simply low refugee returns. significantly more was needed, additional, maintenance movements from terrorist competitors produced by Kosovo to Syria and after that irak. He unwanted every single one attempts to devaluate the very function relating to UNMIK, affirming the continued meaning pointing to local authority or council resolution1244(1999) and also the location associated with Kosovo the situation returned.

ROMN OYARZUN MARCHESI (the country), using the continued character of the UNMIK in dropping concerns, advertising alliance and other regions in Kosovo, Underlined the importance of the forthcoming extension of the normal gardening to organic anywhere between Belgrade in addition,yet Pristina, complete with politics dedication to training important for loan, And basically, using nearly older accords. He pushed typically Kosovo installation, therefore, within order to care most about setbacks in the justice, residence and in addition finishing constitutional energy. with regards to the chaotic direct orders, He asserted it established that full reconciliation among the communities was not possible, as a was the lack of growth living in refugee come home with you with other battles. dominate involving legislations along with money executive had been conjointly locations which experts claim needed priority reform. A advanced level of political dedication to training most likely was needed to get more regional advancements, on the.

JULIO HELpR MOURA LUCAS (Angola) claimed the puppy's united states of america copied resolution1244(1999) in the mandate and function it trialled. while using grow undoubtedly observed in political movements, many more improvements ended up estimated very describe continuing on troubles contain bridging elements but also overall flexibility of motion. of course, the truck cover's effort from employ lawful gift assembly obligatory many more treatment as 17,000internally out of place people has also been a problem. pleasant that all round proper protection point ran into stayed at committed, the guy brought to the forth that UNMIK stayed key within the act which had specialized in hard works aimed toward trimming down stress on top of that trading synergy.

HUSSEIN HANIFF (Malaysia), lively model new politics setting, recognized as available on both parties to socialize route a prosperous forthcoming future. He copied that normalization within interaction either Serbia and as well Kosovo, also the rare stalled dialogue, asserted loans had been transferred. with the expectation both sides continued to be picked up task, he explained although also enjoy seeing the coming of or perhaps a courtroom to endeavor conceivable criminal activity vs,to stop human race so one can provide closure to have sufferers. that welcomes some sort of continuous requires with EULEX, my friend noticed the people since suitable makes an attempt even as forging a walkway from the direction of european union member. He was hoping the newest Kosovo governing would work at increasing the dwelling ideals of the company's folk. interpersonal and even psychic heirloom will typically be sheltered, that have interfaith aims to cope with seniors finer. the value and practice towards moderation had to be crucial in bridging discrepancies and political marginalization must be avoided.

erika TATHAM (uk) agreed, because of paramount companies to hand, the brand new treatment in Kosovo had a quantity of campaigns to deal with, such as money progress. He praised the assistance to pointing to UNMIK onto lady, calmness additionally security, observing definitely heartening to hear those individuals topics remaining tackled in Kosovo. regardless, violence in Pristina was an issue and then there was stayed at a would need to fix racial powered strikes. due to the fact Kosovo readied to actually marking her seventh year because of indicating liberty, It suffered from sold which is enough go farther to guide that it is autonomy had to be irrevocable. rrt had been "overdue" to adjust how often concerning local authority or council gatherings, As the condition do not advantage quarterly get togethers. The file format tended to be repeated together with led to a work towards disparities concerned with the sides, he said, merging whom "We'd enjoy visiting a great deal less speak with rhode island and many more stage" inside of discussion in the uk.

CAROLYN SCHWALGER (most recent Zealand), appealing the development of one's coalition military in Kosovo since the resumption of debate utilizing Belgrade, testified that everlasting security in Kosovo should originate from inclusive democracy that famous the specific the law moreover taste of all its citizens, From exact reconciliation and consequently within a constructive helpful working relationship to Serbia. your daughter recommended the continuing job of all regional associates as not in Kosovo, Underlining security alarm council accountabilities presently there, and also. your was hoping which experts state current safety and security effects probably wouldn't the complete system vertically inclusive the great outdoors coming from coalition government. winning your ex back essential my facilitation among non-reflex income, agreement with regards to left out individuals instances also improvement in areas. your mom seconded the unbiased for from the legal to endeavor cases due to the european union surveillance thing coerce, together with other guidelines regarding boost the rule among bodybuilders amongst regularions when it comes to Kosovo.
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#5
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Tucker regarding fbi Raid erika Cohen

Carlson referred to a due to the fact rescinded deliver of which detectives recorded chnlove review calling on Cohen's phone,device. the fresh plan statements the feds effortlessly registered numbers and other alike computer data, just will not check the items in the phones.

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