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Saturday, March 10, 2007

jimat duit...how?

setelah sekian lama tak meng'update' blog, akhirnye arini terbukak ati nak tulis sumthing...n this time, nothing to do wif medicine...da ade beberapa sahabat yg complain bile saya tulis bende yg ade kaitan ngan medic..ok2..

jimat duit?saje pilih topic nih sbb slalu sgt dgr problem student tak cukup duit..mana taknye, esp scholars lar...takkire la jpa ke petronas ke telekom ker...byk mane pon duit yg dpt mesti tak cukup?nape jadi cam tuh ek? mane taknye, duit skali masuk for 3 months..bile duit masuk jer..joli tak ingt dunia...semua bende nak beli...masuk beli ke3, ha..mule2 nak pinjam duit kwn, hutang sana hutang cn..terpaksa berikat perut...kalo masuk bulan ke3 je da takde duit, ade lagi ke balance for saving?utk sedekah?utk amal jariah?nak bg kat parents?bilenye nak simpan duit utk kawen, beli kereta, umah?..erm...rasanye situasi camni bukan jer berlaku kat student uk jer...tp mana2jer student....termasukla diri saya....

so..saya cuma nak kongsi sikit ape yg saya rasa bole membantu kite save our money, kalo tak byk pon, sikit jadiler....at least takyah sampai ikut perut tiap kali ujung bulan....tp most of the tips referred to uk student lar...but still mane yg sesuai tuh bole di gune pakai...
1st skali, it is good to have 2 bank account..satu utk yg slalu gune n satu lagi utk saving...so yg slalu gune tuh biarla ade visa ke master card ker..so senang la kalo nak travel..takyah nak bwk cash..tp bile ade plak, problem le plak, main gune card tak ingt dunia....beli barang jer, kuar card...so utk elakkan bende2 ni happen, it is advisable to get debit card with visa rather than credit card with visa....sbb nyer 1) takde interest 2) kite cuma bole guna duit yg kite ade jer...so takkan terjadi problem terlebey kuar duit unless kite ade overdraft....but actually bole jer terlebey kuar duit..pastu bersiap sedia la utk bayar denda...saya da ade pengalaman, tu yg nak ingtkan kengkawan semua...lebey gune less than 5 pound pon, tapi die nye denda, sehari over limit kena 30 pound...taubat daler saya taknak buat lagi...n overdraft bole la nak apply tp better jgn la kot...sbb kalo terlibat dgn hutang2 ni, idup pon tak tenteram kan...

account yg satu lagi plak, yg kite susah nak kuar kan duit...if possible, internet banking kalo takde lagi bagus..kire kalo kite masuk duit tuh, mmg susah sgtla nak kuarkan...kire cam beku la kat dlm bank tuh..ni for saving la...kirenyer..bile duit jpa or pet or tel or whatever la kan yg masuk, tolak2 duit2 essential (sewa,bil2,transport,groceries,fotostat kertas) bape balance yg ade...so amik sket n simpan dlm saving account. n duit saving ni ade la lebey baek kalo ade at least 1/10 pon jadila di save kan utk amal jariah...moga2 ade la saving utk bekalan akhirat jugak ye tak?takle dunia jer kan...

ok..bile semua da settle, skang yg left duit utk belanja...ingtkan diri inila total yg bole digunakan utk shopping, makan luar, belanja kwn, beli hadiah kwn, travel dsb....so beringat2la...jadi skangni camne plak nak jimat kos bagi belanja2 yg tak perlu nih?

orait..for shopping...kalo cam groceries tuh, try beli barang yg tak urgent bile ade offer..cam buy 1 get1 free ker..yg reduced ker....kalo yg harus n wajib tuh no choice la kan...n then kalo ade cam card2 cthnye tesco card kan ...why not apply for that kalo tau kite mmg slalu shopping kat situ...(tesco ni yahudi nyer...so better di elakkan, tp kat dundee no choice, tu jer yg ader =) sbb card2 camni, kite collect point then, bile da byk kite dpt coupon, so bole la jimat for next shopping....its actually worth it lar...camtuh jugakla dkt kedai2 lain, kalo ade card jer, try find out ape advantage card2 tuh..n bape kena bayar, slalu ker kite nak shopping kat situ...cam body shop card, u get 15% discount...boots card dpt collect point...n byk lg ler...n card2 ni plak, kalo yg free takpela...tp kalo kena bayar, try to be aware la..sbb slalunye diorg ade buat promotion free card or dpt murah sket....
pastu kalo cam groceries kan, kalo rasa nk beli byk barang...time2 nak beli beras, susu dsb (bende2 yg berat2 kan) kdg2 ade baeknye buat delivery jer....delivery pon dlm 5 pound jer die charged, kalo rasa pegi balik naik bus sama dgn harga delivery baekla buat delivery, jimat masa n tenaga, n besanye kalo beli over 50 pound, delivery free ajer...i've tried once, ok jer...die takde la anta brg2 yg da nak expired ke ape, okjer...lagipon kat cn kan ader consumer right, kalo tak puas ati, return jer..no hal lah
n ade sorg scrub nurse nih recommend kan this website for me mase tgh tunggu next surgery (opps, terinclude jugak sket psl medic)...
http://www.madaboutbargains.co.uk/coupons/Coupon_Crazy.htm
kat sini ade coupon2 yg bole digunekan kalo anda kaki shopping...bole share dgn kwn sbb mostly kena over certain limit kan..ade mcm2 tips camne nak save money...cth kalo travel pakai train, lagi murah kalo nak travel jauh, beli tiket yg breakdown journey...compare kalo beli straight punye...btol, kalo tak caya bole try..

next step, pasal handfon....belila yg 12months free line rental....kalo takpon at least 9-10 mths free...jgn la berlagak sgt beli ygkena bayar full...mmg kadang2 kite teen nih kalo handfon baru kuar, nak sgt2...nak 'eksyen'la katakan...tp tak rugi pon kalo tunggu handfon tu trun dulu harga, then time tuh bykla ofer...tp bile beli yg cashback ni, jgnla lalai plak..kang hangus jer duit tuh..jgn lupe nakclaim da...so pandai2 la nak remind diri sdiri kay...rasenyer semua org pon tau website2 yg best utk handfon kan..so saje letak one of them kat cn sbb website nih bole compare semua contract yg ader
http://www.mobdeal.com/

ape lagi ek..erm...baru2 nih saya dpt 15 pound rail voucher....slalunyer voucher2 camni company2 yg buat survey akan bagi...so rerajin ler take part kalo org buat survey...n cam kat uni kan, student or lecturer yg buat research tuh, diorg besa bayar participant, bolela kalo free2 tuh join..dpt la dlm 3-5 pound..lepasla belanja sehari due kan..alamak, tak jumpe le plak website utk survey2 tuh..nanti bile da jumpe saya letak kat cn...

pastu pasal print gambar...org2 kat dundee tgh musim print gambar skangni selepas snapfish diperkenalkan...
http://www1.snapfish.co.uk
register kat situ dpt 40 print free, then each friend yg kite refer, kite dpt 20 additional print..i think thats worth it lar...ade lagi satu
http://www.photobox.co.uk
yg ni register akan dpt 30 print free...so why not join now?

pada sesape yg suke travel...make sure u plan ur journey as early as possible, thats really save u ...cth termudah la kan..megabus tuh..kalo beli awal2, sepound jer pon...at least kalo burn, takde la rasa membazir sgt..btol tak?pastu kalo website yg setiap kali beli kena byr booking fee kan, beli siap2 tiket return, kalo travel dgn kwn2, beli sesame, takdelamembazir setiap kali beli, kena byr booking fee..

erm..ape lagi..basically, kalo ape2 jer bende yg kite slalu gune/beli, try to search kat internet dulu, tgk kalo2 ade website yg offer free trial....at least dpt la jimat sket for the first few wks lps gune service tuh...n tak dilupakan, setiap kali shopping, bwkla student card bersama, tanye dulu sbelom bayar sbb most kedai bg discount kat student...gune card tuh, nanti da keje baru sedar...time tuh da takde student discount da

pade sesape yg byk free time yg rasenye slalu dibazirkan jer..ade la lebey baek kalo pegi cari keje part time....tp ni depend on own judgement la kan..jgn sampai bende lain terabai sudah...rasenye takat ni jer dulu , tak dpt pk bende lain da....so harap ade yg bergune...marilah kite menabung!..hehe

posted by iFtiDa @ 1:40 PM

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