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Seorang Individu Perlu Ada Simpanan RM3.9 Juta Untuk Bersara Dengan Selesa
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bukan insurans kete tetiap bulan ...
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Edited by midori888 at 7-11-2023 04:55 PM
oic...meols and my bro pnh gi Norway in 2018 tak salah...kita pergi Oslo, Flam, Alesund, Bergen and Stavanger...kita naik train flamsbana yg famous tu...ada naik few fjord boat tapi yg paling best boat kat Flam..boat dia cantik, tak mcm boat lain...
nie boat tu...tgk gambar kat tourism for all dlm link nie...
https://www.thefjords.no/our-boats/
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hehe...dia pun baru nak idup...
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kalau ikut fikir tak cukup, tak kira brp byk pun duit simpan tetap tak cukup.
kalau bukan rezeki, duit juta2 pun tak sempat merasa.
Arwah my colleague dulu - makan jimat2 tak nak makan tempat mahal2. pi outstation oversea, bawa bekal roti gardenia inti tu for dinner yg takde sapa belanja. sebabnya nak kumpul semua duit per diem tu as simpanan.
Takdir Allah, kena cancer, taksampai 6 bulan diagnose, meninggal ... adik beradik berebut duit juta2 dia tu dgn anak2 dia.
for me, selagi ada kudrat dan rezeki, enjoy life sementara masih kuat ni sambil buat simpanan sikit2. ni pun baru dpt nak travel extensively lepas arwah mak meninggal last year. sebelum ni, mana2 pi kena consider tempat & pi bersama arwah mak. cumanya harap, diberikan kesihatan yg baik & rezeki yg berterusan. sihat & dpt makan dgn selera pun rezeki juga |
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i pun naik train flam ni last yr tp pack sgt schedule x smpt nk naik boat thru the fjord... kita just rent a car and drive around pi countryside dia. we flew to denmark , road trip thru sweden ke oslo. suka scandinavian tp mak aihhh mahaiiii
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amin.... ssetuju dgn awak. ada ex collegue sayapun sama... mmg sgt calculative jenis keep track of daily spending. and eliminate all risks segala jenis insurance sheols ambik. she also got cancer when she was barely 40, baik sekejap and relapse...within 6mths she passed away. sedih sgt sbb anak2 masih kecik masa tu.
So better la kita jgn terlalu memikirkan future yg x pasti, gi la enjoy life while u can (of course with caution juga...jgn la sampai takde saving langsung for hari tua tp x perlu la nk sasarkan kena ada 3.8juta utk pencen)
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oic....kitorg gi Denmark, Sweden, Finland on different trip...meols tak ingat train apa meols naik kat scandinavian yg train masuk dlm perut ferry...lepas tu kita bole kuar dari train, lepak2 atas ferry or makan2 kat restaurant dlm ferry bila dah smp seberang, masuk balik dlm train...
Stockholm katanyer cleanest city...tapi meols gi sana, kotor jer city dia, dgn lift bau hancing..pergi ABBA museum...pastu pergi Malmo, tau psl Malmo...sbb meols tgk tv series denmark+Sweden title The Bridge...detective story bout mayat kat tgh2 bridge antara denmark & sweden..lps citer nie famous, lepas tu kuar mcm2 version dari US, dari asia pun ada jugak rasanyer...
meols suka Helsinki lagi dari Stockholm...yup scandi pricey, tapi meols rasa lebih kurang swiss jer kot...
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midori888 replied at 7-11-2023 04:50 PM
oic...meols and my bro pnh gi Norway in 2018 tak salah...kita pergi Oslo, Flam, Alesund, Bergen and ...
Next year buleh lah masuk list scandi ni... fjord belah new zealand je i & husband biasa duk pergi... suka road trip driving sini sbb nyaman cantik...
Swiss & italy cantik.... sini biasa kitorang naik train je ke sana sini.. ticket pass skali je boat & train tu... tp kerap sangat dah pegi sini, kalo stakat nak repeat tu later2 je lah.. husband i ke geneva 2-3 kali tahun lepas.. tahun ni pun ada pergi once masa summer.. tp sbb buat keje.. merayap jalan2 pun takde laaa jauh sgt... kalo holiday tu baru beria cover byk tempat |
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airisa replied at 7-11-2023 05:01 PM
kalau ikut fikir tak cukup, tak kira brp byk pun duit simpan tetap tak cukup.
kalau bukan rezeki, ...
Agree!!! Spend some, save some.... kena balance of both... at least kalo ditakdirkan sakit ke apa, kita dah pernah merasa...
Kalo duk jolly katak merata, hujung2 menyusahkan orang lain pula.... |
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Edited by midori888 at 8-11-2023 10:20 AM
go for it cuols...scandi cantik...meols ada berangan nak gi Russia, tapi tulah kena buat visa dan now perang pulak...antaranyer nak tgk Winter Palace kat St Peterburg, nak compare dgn Versaille France...nak naik boat on moskva river...lepak2 gorky park....meols tau moksva and gorky park dari lagu scorpions...follow the moskva, down to gorky park, listening to the wind of change....hehe..
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nw111 replied at 7-11-2023 04:26 PM
Betul you..ramai je yg tak blh downgrade lifestyle...i pun plan nk pencen awal...sedang berusaha n ...
Why do i miss this posting from u.... yesss!!!! Come sis.. i dah dpt tonedown my skin care and makeup spending!!!!
From puluh ribu per year... Skincare set dermalogica + facial package aster spring...
To just few hundreds per year je for both cosmetics and skincare.. stopped all facial packages since 2012...
Meh kita share borak pasal ni.... jom2 |
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Edited by green~tea at 8-11-2023 10:32 AM
midori888 replied at 8-11-2023 10:16 AM
go for it cuols...scandi cantik...meols ada berangan nak gi Russia, tapi tulah kena buat visa dan n ...
Next 2 weeks ni weols nak cover tempat2 classic belah UK jugak... husband i nak bawak ke tempat dia biasa gi meeting cam windsor castle, pi oxford (dah 2x i kat sini tp nak bawak dia tengok tempat2 ilham movie LOTR, harry potter, chrocnicles of narnia), stratford upon avon, birmingham dll...
Cantik betul stratford tempat shakespeare tu
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Edited by midori888 at 8-11-2023 10:42 AM
oxford meols pergi day trip...masa kat sana, kita join student2 buat tour around the university...windsor kita pergi spend weekend, dok hotel kat area situ...ada kedai halal sedap..lupa dah nama..yg ingat adik meols tertinggal ipad dia kat hotel, sib baik org hotel baik, courier the ipad kat balik dia...stratford upon avon and birmingham meols tak pnh pergi lagi.. |
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this year just travel dlm negara je & umrah ... langkawi 2 kali (going to be 3rd times dec ni), penang, KB and around KL, negeri sembilan.
next year -yg confirm line up : KK, hong kong, melbourne .. bali (belum confirm) and 1 more roadtrip(either US/Canada or Europe) yg sedang dibincangkan dgn my friends.
Insya Allah, cuba utk istiqamah umrah yearly.
scandinavian - pernah sampai Stockholm & Malmo je - itu pun those days yg takde digital camera lagi ... insya Allah, try to plan jugak la since my friend PR sweden dok hasut suruh visit her everytime dia balik malaysia. baru ni siap lure me with her homemade strawberry jam hahaha.. lawak betul
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kan ... berbelanja berpadanan dgn pendapatan kita. jgn la sampai bergolok gadai sebab nak lawan dgn org & jgn la pula kedekut pada diri sendiri. Diri kita pun ada haknya ...
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best uols stratford-upon-avon & all the areas in oxfordshire tu if you suka suasana kampung yg lawa & serene.
i pi dulu bawa arwah mak, we rent tatched cottage - instead of 3 malam, we extend jadi 4 malam sebab nampak arwah my mum really enjoyed & relaxed kat situ banding masa kat amsterdam & paris. so, each day, we drove along countryside .. pusing sana, pusing sini.. singgah rumah shakespeare, anne hathaway's cottage, selain dari hari2 pi Bicester sebab half an hour drive je (pi tolong buka kedai - tak ramai org & cepat je kita nak beli apa pun )
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Edited by green~tea at 8-11-2023 11:01 AM
airisa replied at 8-11-2023 10:41 AM
this year just travel dlm negara je & umrah ... langkawi 2 kali (going to be 3rd times dec ni), pen ...
Ehh hopefully US next year exchange rate better lah... colleague i baru balik last week from US.. sengkek nak shopping kata nyeh... sbb 4.8 exchange rate tp end up kena spare for 5.. sbb ada 8% tax on everything kan...
Sebenarnya i dgn husband nak ke LA, sanfran, in december.. tp sbb exchange rate makin teruk & tak cukup cuti (kena spare utk anak i bulan 12 ni cuti skolah)... so US trip ni tunda next year lah...
Dubai , abu dhabi weols plan gi bulan january... sbb nak kena visit wajib family husband kat situ... uncle, auntie & kazen2 heols dah bising awat kerap pi sana tak singgah rumah diorg
Ooo u buat target umrah every year? Mcm PIL i lah, theyols umrah every year since 2009.... kecuali masa covid je tak umrah.. last year diorang duk mekah madinah sebulan lebih... balik malaysia deme sakit kaki almost koyak tendon sbb terlalu banyak berjalan
I dah pernah umrah 2 kali.. husband i dah 4 kali... better focus on Hajj je.. |
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kami nk gi juga road trip outside London last 2 weeks in dec tunggu anak2 cuti sekolah sambil visit anak kat London, pastu nk spend sometime road trip Vienna Prague Budapest tak penah sampai lg...
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Edited by green~tea at 8-11-2023 11:04 AM
juruterra replied at 8-11-2023 11:01 AM
kami nk gi juga road trip outside London last 2 weeks in dec tunggu anak2 cuti sekolah sambil visi ...
Dah beli tiket flight ke uolz? Masa i beli tix last week for november trip ni, all flight tix in dec semua dah almost 10k per pax....
I dgn husband ni mmg hauk sikit bab beli flight tix selalu last minute ... haritu pi turki... 2 weeks before baru beli flight tix... dah le dia mmg demand MAS or one world je |
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hahaha ... sama mcm my friend .. mana2 mesti MAS or oneworld, sebab dah enrich gold. i suka je menempek dia masuk lounge masa travel domestics.. hahaha ..
i pun prefer MAS jugak.. for umrah, i suka direct flight so either MAS or Saudi la.
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Post time 7-11-2023 04:43 PM
