2012 Personal Targets

2012 is tomorrow!! Dah kena mula set personal targets ni. Kena buat KPI setting sebab hidup mesti ada matlamat kan.

So, in 2011, dah berjaya beli rumah sendiri. Payment akan start dalam 2013 lepas rumah dah siap. In the mean time, kena lah top up balik duit ASB yang keluar untuk bayar downpayment 10% itu. Itu pun tak bayar lagi baki beberapa puluh ribu to developer. *Sigh* Tak apa la. Demi nak memiliki rumah sendiri, kena berkorban sikit. Asyik menabung, kalau tak guna duit tu untuk benda berfaedah tak ada maknanya juga kan. At least kalau dah own sebuah rumah, dah tercapai 1 matlamat hidup.

My target:
1) Top up savings as much as I can. i.e. Try my best to save at least 25% from gaji monthly and most of my bonus.
2) Tambah savings for Hana juga. Setakat ni dah going well. Hopefully will manage to save more for her future.
3) Work wise – nak maintain momentum kerajinan and get a good appraisal, tapi nak balik ke rumah lebih awal. Nak cuba la untuk optimize lagi working time and kalau boleh, tak nak dah keluar office pukul 8, 9, or 10 etc.

Other than that..
* My Mama and Papa nak pergi haji this year, so maybe nak hire a househelp/maid. Dah jumpa, so must do budgeting if pay RM600/month, cukup tak gaji mek nak menampungnya.
* Nak mula survey deco and mengumpulkan idea2 untuk rumah baru nanti . Start scouting for an affordable and reliable interior designer maybe?
* Nak jadi isteri yang lebih baik. Asyik concentrate jadi mak and pekerja yang baik je, kesian asyik terabai suami sendiri T_T

Lepas dah tercapai semua matlamat di atas, and lepas dah masuk rumah baru, hopefully my life will be well sorted. Lepas tu, baru boleh try to conceive “kawan” untuk Hana pulak hehehe.

P/S: target duniawi boleh tulis, target akhirat simpan diam-diam saja la..

Azam 2011

One of my target for this year is to buy (a) property. Most part of this year, I have been studying the property market, be it a sub-sale, or a new development.

To me, the most challenging point to consider is the part where I need my husband’s consent as I want to buy a property using a joint-loan between us. We’d like to find something that both of us like and ideal for us. Turns out it is very very difficult. He has a lot of arguments about all the properties that I like, especially on the price and location. Both of us have an opposite opinion on price and location.

However, my *light at the end of the tunnel* finally showed around two months ago. Found an advertisement on a new development near my parents place, nice design of course, freehold 2st, and a reliable developer. The price though, was over my budget. I was salivating when looking at the advertisement, but the price really turns me off. Takut nak try kalau mahal macam tu.

But thanks to my persuasive parents and coincidentally my uncle works with the developer, so I tried anyway. Turns out I could get a loan using only my name to buy the property. Lucky me! Although at the beginning of loan repayment later, I’d be very very broke, but I think I’d be happily broke with a house to call my own.

I’d still really want to buy a property together with my husband, or at least have him buy another one that he likes later on . I’m just very thankful that this target of mine is almost granted. I’m still in the midst of finalising the documentation and hopefully it will settle before year end.

God-willing, the house will be ready in 2013 and we’ll be moving into our home sweet home by end of the year, insyaAllah.

As for now, I’ve already begin to draft my 2012 resolutions .

1) To ganti puasa as much as I can, hopefully finish off all my hutang puasa sebab beranak.
2) To find a maid and glue my family back together again.
3) To have a more stable workload.

That would be all for now. Will think of more targets later as the new year progress.

P/S: Lepas dah masuk rumah baru, target nak tambah anak sorang lagi, eh?