back to our discussion.... settle loan? settle kwsp? ada duit dh??
orait...time to shop! but wait...have u plan? yesss..... before buying anything.... u need to plan...
here is the checklist i've made before shortlisting items need to be bought:
1. wiring and plumbing : your house sure has socket and switch but is it enough? u have to remember that u need extra socket for aircond, washing machine, fridge, oven, etc. u also need extra switch for hp lampu tido... hokey? so - count and listed no of socket and switch u wish to have. it is adviseable that u add on extra socket such as aircond in the living room and other rooms - who knows in the future u might add more aircond... so no need to do another round of wiring coz u already have one!
2. grill and tinted....most of the grill supplier prefer for u to do your tinted prior grill install.. especially when u are installing double layer tinted - inside and outside.... so after tinted...do the grill... for grill - survey and survey...don;t just berkenan hired and at the end u have to pay a lot of money.... requested a few grill supplier to come and ukur your house and ask for quotation! quotation is totally free! ask for it...compare.... and ask the type, the thickness, the toughness of the grill... don't percaya bulat2... go and goole how true it is... okey?
3. bulb and fan - okey.... time to list the bulb and fan - nos and type... list is out and survey... there are thousands of lighting shop.... go and survey.... ask people around do they know any shop recommended? cheap and good quality.... survey... don;t choose a bulb and a fan based on their cantikness... be practical.... the bulb must play it roles... same goes to the fan... dont buy fancy fan..but angin.... haprak! so.... choose wisely....
4. curtains!!! - my favourite - i always love curtains - my suggestion - go for kamdar or jakel or nagoya - they jahit and install the curtain for u..they even come to your house and ukur... so.... u save a lot there... wait for their sale...and walaaaa.... go and book for it... my mom spend 1.5k for one new house curtains and rails at jakel.... 50-70% off maaa..... walaaaa....
5. kitchen - i love kitchen ala2 top chef...hahahaha.... berangan sajok!.... welll kitchen need to be practical too...dont built such a big huge kitchen in your small kitchen area...pity la the kitchen area.... so... make sure u measure everything...choose the one that u love but practical.... why must it be ur choice...bcoz we r the one (mommies) who will spend most of time in the kitchen...so..make sure u choose the kitchen...baru ada semangat nak masak..hahaha! owh....and ikut budget...if your budget around 6k...dont la survey kitchen price 15k... hokey?
6. paint - paint your house! it is better for u to paint your house first before u move in...it is much comfortable that way..rather than u have to cover all your furniture and then paint and clean up the mess again! so... paint it first.... well... nowdays - wall paper is back... so... either paint or wallpaper - up to you..ikut budget maaa.... paint is cheaper then wallpaper...but wallpaper looks great then paint! up to you!
7. furniture - okey...time for shops! buy improtant things first - such as sofa set, bedroom set, dining table etc... bunga2...flower pot, frame, fancy watch, mirror and such.... later! once u move in.... settle down..relax... then only u decorate!
okey...i hope it helps.... i am still shortlisting on the no. of bulb and fan and socket and switch.... aiyarrkkk..so pening already! will update photos and supplier later!
Wednesday, August 1, 2012
rezeki
orang kata bila kahwin akan bertambah rezeki, bila ada anak ..anak itu pembawa rezeki... benar orang kata... alhamdulillah...sejak mengandung kn khayra..ada je rezeki Allah nak bagi....
abes je pantang... hubby beli kereta baru....alhamdulillah...kereta 4 pintu idaman saya =) mommy n baby dok belakang with the carseat.... daddy drive sorang2 kt depan... hehehe... saya suke bonet kereta itu...beso! seswai ng stroller khayra yg beso jugak...huhuhu...muat semua barang nak masuk - tp kene pandai susun la...kalo x reti susun....treler pun tak cukup nak letak barang baby... hahahaha...
sekarang rezeki baru lagi... we bought a house....at berserah kuantan.... even not in KL...but bersyukur sangat ada rezeki beli rumah sendiri...tak payah menyewa susah2... kalo dapat tuan rumah ok...ok la...kalo dapat tuan rumah takut bini...abes la....
kami ni first time la beli rumah kan.... so... banyak benda yang kene belajar... so...i am sharing my experience of buying a house...semoga anda semua dapat beli umah idaman anda:
mula2 g la survey nak rumah mana.... pilih la ikut budget... klo mampu beli umah 200k..beli yg 200k...kalo lebih, lebih la... nak bayar bulan2 tuh yg perit tuh....
-tengok rumah tuh nye tenue... 99 years ke..or freehold... i prefer freehold...
-tengok rezab melayu ke or bebas...
-developer yang kaya raya ni biase nye dia tanggung S&P and Legal Fees...
part ni u guys kene alert - legal fees ade 2 ...
1. legal fees between u and bank
2. legal fees S&P
- tengok future plan keliling rumah tuh ape... jangan percaya kalo dia kate "yg ni reserve as greenbelt area" - tengok neighbour sebelah siapa...
- tengok bekas tanah...kalo kelapa sawit...siap2 la ng anai2... kami nye bekas hutan... harap2 okey la... sebelah kanan bakal perumahan, belah kiri bakal ada sekolah...
make sure developer cover semua...termasuk stamping charges... harga stamping ni lagi mahal dari fees taw...so...make sure developer cover...kalo tak cover...make sure they state it clearly how much u have to pay!...hokey?
dah pilih rumah? baguih.... sekarang byr deposit... biasenye developer mintak deposit... tapi kami tak bayar deposit... kami cakap kat developer... boley apply loan dulu tak..if lulus... ok...if not... tak ok la...
so developer bagi apply loan dulu without paying any deposit to them....
kami apply maybank, cimb, RHB bank... kami tengok offer terbaik... cmne nak taw offer terbaik... tengok la minus BLR tuh brape... maknenye interest rendah r... biase range dalam 4.4-4.5% interest... lagi rendah lagi bagus!
then tengok plak tempoh pinjaman... biasanye maximum is 40 years... tapi lagi pendek lagi bagus..sebab kurang bayar interest...hokey?
then tengok monthly installment brape... klo within budget...settle!
lepas dah compare and discuss... we choose RHB bank...sgt bagus r RHB ni...semua bley buatkn...
then g la sign agreement ng bank....
dah sign dengan bank..baru sign S&P ng developer...pastuh S&P ni akan distampingkan oleh lawyer developer... then bawak S&P and loan agreement kat KWSP...kluar kan duet tabung 2 untuk bayar downpayment or untuk sediakan rumah secukupnye...
after this..i will story mory about preparation to start a new house =)
abes je pantang... hubby beli kereta baru....alhamdulillah...kereta 4 pintu idaman saya =) mommy n baby dok belakang with the carseat.... daddy drive sorang2 kt depan... hehehe... saya suke bonet kereta itu...beso! seswai ng stroller khayra yg beso jugak...huhuhu...muat semua barang nak masuk - tp kene pandai susun la...kalo x reti susun....treler pun tak cukup nak letak barang baby... hahahaha...
sekarang rezeki baru lagi... we bought a house....at berserah kuantan.... even not in KL...but bersyukur sangat ada rezeki beli rumah sendiri...tak payah menyewa susah2... kalo dapat tuan rumah ok...ok la...kalo dapat tuan rumah takut bini...abes la....
kami ni first time la beli rumah kan.... so... banyak benda yang kene belajar... so...i am sharing my experience of buying a house...semoga anda semua dapat beli umah idaman anda:
mula2 g la survey nak rumah mana.... pilih la ikut budget... klo mampu beli umah 200k..beli yg 200k...kalo lebih, lebih la... nak bayar bulan2 tuh yg perit tuh....
-tengok rumah tuh nye tenue... 99 years ke..or freehold... i prefer freehold...
-tengok rezab melayu ke or bebas...
-developer yang kaya raya ni biase nye dia tanggung S&P and Legal Fees...
part ni u guys kene alert - legal fees ade 2 ...
1. legal fees between u and bank
2. legal fees S&P
- tengok future plan keliling rumah tuh ape... jangan percaya kalo dia kate "yg ni reserve as greenbelt area" - tengok neighbour sebelah siapa...
- tengok bekas tanah...kalo kelapa sawit...siap2 la ng anai2... kami nye bekas hutan... harap2 okey la... sebelah kanan bakal perumahan, belah kiri bakal ada sekolah...
make sure developer cover semua...termasuk stamping charges... harga stamping ni lagi mahal dari fees taw...so...make sure developer cover...kalo tak cover...make sure they state it clearly how much u have to pay!...hokey?
dah pilih rumah? baguih.... sekarang byr deposit... biasenye developer mintak deposit... tapi kami tak bayar deposit... kami cakap kat developer... boley apply loan dulu tak..if lulus... ok...if not... tak ok la...
so developer bagi apply loan dulu without paying any deposit to them....
kami apply maybank, cimb, RHB bank... kami tengok offer terbaik... cmne nak taw offer terbaik... tengok la minus BLR tuh brape... maknenye interest rendah r... biase range dalam 4.4-4.5% interest... lagi rendah lagi bagus!
then tengok plak tempoh pinjaman... biasanye maximum is 40 years... tapi lagi pendek lagi bagus..sebab kurang bayar interest...hokey?
then tengok monthly installment brape... klo within budget...settle!
lepas dah compare and discuss... we choose RHB bank...sgt bagus r RHB ni...semua bley buatkn...
then g la sign agreement ng bank....
dah sign dengan bank..baru sign S&P ng developer...pastuh S&P ni akan distampingkan oleh lawyer developer... then bawak S&P and loan agreement kat KWSP...kluar kan duet tabung 2 untuk bayar downpayment or untuk sediakan rumah secukupnye...
after this..i will story mory about preparation to start a new house =)
Tuesday, July 31, 2012
khayra is the name
we only decided the name when she is 9 months in my tummy... i alwez like qalisya or alisya name but hubby refuse... then i watched wolverine movie where his gf name is khayla... lawakan nama ni..but no meaning..so google...found khayra...immediately roger my youngest brother who blaja jadi tahfiz n tanya ada maksudkah nama ni....then he said maksudnye kebaikan....hokey cun! ade maksud!
we decided to put jus one name as i think itu paling afdal la... kn?kn? kang nama canggih2..last2 panggil pendek je yang ntah ade maksud ke tak...
since balik dari hospital sampai la umor dia 7 weeks ( almost 2 months), baby tido siang amat la lena... tapi tepat jam 12 tengah malam...thats it....time dia bangun dengan super dasatnye... bangun tuh kalo senyap je tak pe...ni nak orang ngadap dia...borak n dokong.. agaknye dia dah penat baring sepanjang siang... nak tidokan dia balik..memang mustahil la.... kol 6.30 pagi pas azan subuh...atomatik dia tido...perghhh.... anak aku ...anak aku....
ramai la orang bagi petua...antaranya.... pakai kan baju terbalik...jangan bagi tido pas asar.... jangan macam2 lagi la...tapi 1 pun x berjaya... at last i google2 and found out baca surah al-kahfi... well surah tuh panjang sangat...so daddy and atok baca la dr pas maghrib sampai almost isyak...then baby alhamdulillah...ade la tido nye... walo baby bangun setiap sejam...at least...i got a chance to take a nap...
now baby dh 2 months old... dh cerdik...dh panjang akal...dh tido malam... so...dont worry mommies out there...baby akan change her sleeping time by herself... but...ade baby samapi 3 months baru change to normal sleeping time... ada yg sebulan...so...it is upto the baby...
bak kate atok " itulah pengorbanan seorang ibu"
love my baby so much!
we decided to put jus one name as i think itu paling afdal la... kn?kn? kang nama canggih2..last2 panggil pendek je yang ntah ade maksud ke tak...
since balik dari hospital sampai la umor dia 7 weeks ( almost 2 months), baby tido siang amat la lena... tapi tepat jam 12 tengah malam...thats it....time dia bangun dengan super dasatnye... bangun tuh kalo senyap je tak pe...ni nak orang ngadap dia...borak n dokong.. agaknye dia dah penat baring sepanjang siang... nak tidokan dia balik..memang mustahil la.... kol 6.30 pagi pas azan subuh...atomatik dia tido...perghhh.... anak aku ...anak aku....
ramai la orang bagi petua...antaranya.... pakai kan baju terbalik...jangan bagi tido pas asar.... jangan macam2 lagi la...tapi 1 pun x berjaya... at last i google2 and found out baca surah al-kahfi... well surah tuh panjang sangat...so daddy and atok baca la dr pas maghrib sampai almost isyak...then baby alhamdulillah...ade la tido nye... walo baby bangun setiap sejam...at least...i got a chance to take a nap...
now baby dh 2 months old... dh cerdik...dh panjang akal...dh tido malam... so...dont worry mommies out there...baby akan change her sleeping time by herself... but...ade baby samapi 3 months baru change to normal sleeping time... ada yg sebulan...so...it is upto the baby...
bak kate atok " itulah pengorbanan seorang ibu"
love my baby so much!
khayra abes pantang =)
Sunday, July 29, 2012
berpantang
hello ols...
semua orang tahu...pas bersalin je kene berpantang..
orang cakap pantang ni untuk kurus n get into shape... well..berpantang bukan sahaja untuk kurus...tapi untuk kesihatan dalaman dan luaran..dalaman bukan tut tut tut je... segala urat n otot2 n perut n yg penting rahim kite tuh nak dipulihkan seperti normal... so then...kite bley prepare for the next baby... n kite sihat untuk jalani hidup as a mommy =)
well..my family memang sangat kuat pantang...pergh...memang tough! menguji kekuatan mental...fizikal takdela... dalam pantang mane boley angkat berat2... so..mentality kene kuat kalo nak pantang betul2!
when u almost give birth..benda yang u have to consider is..nak pantang ke tak nak...kalo nak pantang...nak pantang camne... pantang seminggu ke, 2 minggu ke, 30 hari ke, 44 hari ke, 60 hari ke... *i think max is 60 days* ...tak tahu la family orang lain camne... tapi family saya pantang 44 hari.... why 44 hari..saya tak tahu... tapi memang 44 hari...
my family nye pantang list :
- urut seluruh badan 3 kali berturut-turut dari hari 2 day sampai hari ke 4...
- for a month mandi air serai wangi and ape2 ntah daun lagi (bidan tukang urut biasenye dh preparekan)...
- makan - no sugar no oil - so please imagine
- makan - no benda2 gatal, no ayam, no seafood, no sayur except for lobak putih
- drinks - air ubat periuk sahaja!!! kalo dahaga giler minum air asam jawa... lepas 3 hari my mom bagi minum air milo kosong (kosong means no sugar, noo milk)
- drinks - jangan harap ko dapat minum air masak - my grandma ckp it makes u bloating n buncit...
- pakai param n pilis... param kat badan untuk buang angin, pilis untuk elak kn angin royan n spy x sakit kepala - buang angin badan r kiranye...
- berbengkung - my family ade bekung turun temurun since 30 years ago...super kuat super panjang... 5m panjang nye...hang belit la badan hang macam ular sawa belit hang ketat2 for 24 hours!! buka time mandi je...pastuh setiap couple of hours buka balik n ikat sebab my mom cakap lepas 2 hours mesti longgar dh...
- urut lagi hari ke 15
- urut terakhir hari ke 45 - sengkak kn perut..sengkak perut ni actually nak masuk kan rahim kt tempat asal..ye r..ms nk bersalin kan perut kite ke bawah, bile push, rahim memang kt bawah la... so...to make your tummy firm, sengkak perut tuh... camtuh la...
banyak juga pantang larang - bagi saya..ikut je la cakap ibu...kesian dia prepare macam2 untuk kite dalam pantang...so...telan aje... ibu kate makan ... i makan... jangan makan ni... i tak makan... mcm tuh la... so far... alhamdulillah..me dh back to my original weight before kawen - 48kg... bdn sihat...even tak cukup tido..
pasni i crite pasal my baby yang tak tido malam for 2 months!!
adios!
semua orang tahu...pas bersalin je kene berpantang..
orang cakap pantang ni untuk kurus n get into shape... well..berpantang bukan sahaja untuk kurus...tapi untuk kesihatan dalaman dan luaran..dalaman bukan tut tut tut je... segala urat n otot2 n perut n yg penting rahim kite tuh nak dipulihkan seperti normal... so then...kite bley prepare for the next baby... n kite sihat untuk jalani hidup as a mommy =)
well..my family memang sangat kuat pantang...pergh...memang tough! menguji kekuatan mental...fizikal takdela... dalam pantang mane boley angkat berat2... so..mentality kene kuat kalo nak pantang betul2!
when u almost give birth..benda yang u have to consider is..nak pantang ke tak nak...kalo nak pantang...nak pantang camne... pantang seminggu ke, 2 minggu ke, 30 hari ke, 44 hari ke, 60 hari ke... *i think max is 60 days* ...tak tahu la family orang lain camne... tapi family saya pantang 44 hari.... why 44 hari..saya tak tahu... tapi memang 44 hari...
my family nye pantang list :
- urut seluruh badan 3 kali berturut-turut dari hari 2 day sampai hari ke 4...
- for a month mandi air serai wangi and ape2 ntah daun lagi (bidan tukang urut biasenye dh preparekan)...
- makan - no sugar no oil - so please imagine
- makan - no benda2 gatal, no ayam, no seafood, no sayur except for lobak putih
- drinks - air ubat periuk sahaja!!! kalo dahaga giler minum air asam jawa... lepas 3 hari my mom bagi minum air milo kosong (kosong means no sugar, noo milk)
- drinks - jangan harap ko dapat minum air masak - my grandma ckp it makes u bloating n buncit...
- pakai param n pilis... param kat badan untuk buang angin, pilis untuk elak kn angin royan n spy x sakit kepala - buang angin badan r kiranye...
- berbengkung - my family ade bekung turun temurun since 30 years ago...super kuat super panjang... 5m panjang nye...hang belit la badan hang macam ular sawa belit hang ketat2 for 24 hours!! buka time mandi je...pastuh setiap couple of hours buka balik n ikat sebab my mom cakap lepas 2 hours mesti longgar dh...
- urut lagi hari ke 15
- urut terakhir hari ke 45 - sengkak kn perut..sengkak perut ni actually nak masuk kan rahim kt tempat asal..ye r..ms nk bersalin kan perut kite ke bawah, bile push, rahim memang kt bawah la... so...to make your tummy firm, sengkak perut tuh... camtuh la...
banyak juga pantang larang - bagi saya..ikut je la cakap ibu...kesian dia prepare macam2 untuk kite dalam pantang...so...telan aje... ibu kate makan ... i makan... jangan makan ni... i tak makan... mcm tuh la... so far... alhamdulillah..me dh back to my original weight before kawen - 48kg... bdn sihat...even tak cukup tido..
pasni i crite pasal my baby yang tak tido malam for 2 months!!
adios!
little angel was born
alhamdulillah....
assalam u ols... sudah berzaman x conteng2....
arini baru ada masa nak conteng blog sendiri....almaklumlah...dah ada baby nie...memang busy...
rasa 24 jam ni tak cukup... nak tido pun tak cukup!
just nak announce...on 17 may 2012 at 3.01pm my baby girl lahir ke dunia secara normal at DEMC...
doc nak induce...me taknak... nak natural labour pain... memang painful...tapi itulah nikmat jadi seorang ibu... bile dah beranak dah sakit baru la kite tahu perasaan ibu kite camne... sekarang baby 2 months old..alhamdulillah sihat.... semakin pandai..semakin manja... tapi takpe..mommy suke!
banyak sangat benda baru kite belajar since jd mommy nie...lagi2 bab baby ni...mesti kene tanya orang yang lebih berpengalaman..kalo tak tanya...habis la... memang serba blur... warna tahi baby pun kene observed taw! banyak sungguh kn....
below is my angel umo 1 day....
aat DEMC is choose Doc Fairuz asyikin...very soft and polite doc... insyaAllah next baby pun nk appointed her...when is the next baby??? tunggu dulu..bagi mommy bernafas...
still adapting a new life as mommy and wifey.... luckily hubby ringan tangan and jenis x kesah...for this 2 months memang tak masak la i... hubby tapau je....but...bile baby dah makin bijak n dah besar sikit...boleh la masak balik...baking n such... yang penting..kemas umah n basuh baju baby... both are important for your baby comfort and health!
okey la...nnt share experience penjagaan pantang, penjagaan baby...ragam baby n such... muax!
assalam u ols... sudah berzaman x conteng2....
arini baru ada masa nak conteng blog sendiri....almaklumlah...dah ada baby nie...memang busy...
rasa 24 jam ni tak cukup... nak tido pun tak cukup!
just nak announce...on 17 may 2012 at 3.01pm my baby girl lahir ke dunia secara normal at DEMC...
doc nak induce...me taknak... nak natural labour pain... memang painful...tapi itulah nikmat jadi seorang ibu... bile dah beranak dah sakit baru la kite tahu perasaan ibu kite camne... sekarang baby 2 months old..alhamdulillah sihat.... semakin pandai..semakin manja... tapi takpe..mommy suke!
banyak sangat benda baru kite belajar since jd mommy nie...lagi2 bab baby ni...mesti kene tanya orang yang lebih berpengalaman..kalo tak tanya...habis la... memang serba blur... warna tahi baby pun kene observed taw! banyak sungguh kn....
below is my angel umo 1 day....
my name is KHAYRA
aat DEMC is choose Doc Fairuz asyikin...very soft and polite doc... insyaAllah next baby pun nk appointed her...when is the next baby??? tunggu dulu..bagi mommy bernafas...
still adapting a new life as mommy and wifey.... luckily hubby ringan tangan and jenis x kesah...for this 2 months memang tak masak la i... hubby tapau je....but...bile baby dah makin bijak n dah besar sikit...boleh la masak balik...baking n such... yang penting..kemas umah n basuh baju baby... both are important for your baby comfort and health!
okey la...nnt share experience penjagaan pantang, penjagaan baby...ragam baby n such... muax!
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