Tanah kelahiranku diguncang...

6:32 AM | by iLeLviNa
Astaghfirullah'aladzimm....
Inilah bencana yg paling dahsyat,,trjdi di tanah kelahiranku..walpun aku aslinya bukittinggi, tpi ttp aj ini terjadi di bumiku, Sumbar.
Ngeri,,,melihat foto2 kejadian setelah gempa. Byak bgt rumah2 hancur,,,mobil2 tertimpa reruntuhan,,tiang listrk yg hmpir roboh, kebakaran dmn2..
Ya Allah,,aku tak sgup melihatnya...
Ya Allah,,,ampuni kami y Allah,,kami ini hanya manusia biasa, yg tak luput dri dosa..
Hamba mohon perlindungan padaMU,,bagi saudara2, keluarga dan shabat2 yg kucintai y Allah...
Semoga dri kejadian ini semua kita bisa mengambil hikmah dengan kembali mengingat Allah dan mnju ke jalan yg benarrr...
amin....
2 comments

iNi bRu LeBaraNnnn....

6:57 AM | by iLeLviNa
g'sia2 perjuangan kita berangkat dri uum menuju alor star, mo ktempat atok..bermodal kesabran yg tinggi di saat perut sudah mulai terasa perih krn blom menemukan sesuap nasi dr pgi,,gw ama roomte tercinta 1mgu gw (Nur Apriani "iiaa") dengan anggunnya bergerak ke halte muamalat,ditengah siang yg terik...menanti MARA LINER atw pun HBR yg mgk akan dtg...(hihihi..):P
Dengan perasaan yg dag-dig-dug,,,"ada bus g'ya",,gw coba meyakinkan roomte gw itu untuk sabar menanti,,,sumpah UUM udah kyk Kota mati g'da kehidupan.bener2 g'ada org wktu itu,,disaat lgi ngu mara,,eh kita ngeliat ada kejadian aneh,,ada kucing lgi nyusu,,dibilang ama induknya kok anaknya gede gila y,,??udah hmpr sama gede itu ma induknya...sumpah anehh,,,tu kucing kyk napsu bgt nyusu,,sumpah tu smpe diubek2 perut sang indukk,,,

hihiiii...
ada2 tu kucing....
g'lama hbis itu akirnya MARA cominggggggggggggg....yeeeeeeeeee...
kita lagsug pasang muka bahagia,,krn alhamdulillah kita ngu g'trllu lama,,,aseekkk...lanjoutttttttttttttt...!!!
***

Nyampe di alor kita dijemput ma atok,,huaaa,,udah g'sabar lgi ne mo perbaikan gizi,,hihihi,,asek..aseekkk...
Awalnya g'da rcna nginep,,tpi krn g'enak ma atok nya ywd,kita putusin buat nginep aja..pdahal kita g'ada bwa apa2 neh..paRaahhhh,,,malu klo dicritain..hihihi...:D
LAnjouttttttttttttttttttt....
Bsknya g'nygka,,pas hri k2 kita bru ngerasain lebaran.Atok ngajikn kita kt4 sodara2 nya...busyett,,,ke rumah org2 besarrr,,,ada menteri,,dosen,,yg polisi juga lahh...MANTAPPPP...!!!hihihi...asik bener daghhh,,pdhal segan juga nympe rumah org,,pdahal kita b2 entah siapa..hihii..tpi sumpah atok baek bgttt...gila,,,shari tu entah brp kli kita mkan..o,y,kita juga diajakin ke kondangan .. hihi..ternyata kondangan org malay tu g'beda jauh ma di indo,,tradisi lebarannya juga..
Dri 4rumah yg kita kunjungi,,g'nyagka gw rumah terakir ngsih kita THR...huaaaaaaaaaaa.....senangg gilaa,,,"Hari ini ku gembira"..
hahahhaa,,lgsug gw ngakak b2 ma roomte terecinta gw...wkwkwkwkw...alhamdulillah iaa,,kita dpt THR...ihii..wlpun cuma 5RM je,,tpi seneg bo'..g'tw knp..mgk kita g'pernah kebyg bakal dpt THR,,huahahaha...(Lebai MODE : ON)...
Sesi terakir lebran,,kita bertamu kerumah temennya diva,,seru juga breg2 mrka..(ayu,kk viska,bg jeef,bg diva+ia)..kita beramai2 dtg berayeee...:D
asiikkk...
Seru2...walaupun byk mkn mie,,tp ttp mengasyikkan.. bisa diambil hikmahnya,,gw jadi tw gmn cara lebran org dsn..hehehe..walpun cuma 1hari,,but it's so fun...:)
0 comments

First time Lebaran without family

4:16 AM | by iLeLviNa
Berasa bgt Lebran kli ini beda sama lebran2 yg sebelumnya. gmn g'!!
Lebran kli ini gw ngerayain breng temen2 gw..Iia yg jdi roomate 1mgu gw...(kekeke...), gLo, amel n dora.. kita br4 numpang di aprtemen nya bg jeff n bg rio (thx bg...)..gila...tdi malam bukannya takbran kita malah ol, hbis itu main krtu tepuk nyamuk..((wkwkwkwkw...)),,sialan ,,gw ketiban sakit mulu gr2 ditepukin ia,,gila pedih bgt,,((mklum seh iia,,tanganya super duper tebel dagh,,,wkwkwk,,,)),,sebel seh gw,,krena npuknya kenceng gila..mo mrah gmn ,dengerin ktw tu anak aj udah bikin gw senam perut...((hahahaha...))..
sedih bgt ne gw,,udah g'lebrn breng keluarga,gw ndri juga kgk shalat ied lagi...(hikZ..), udh 2taon. taon kmren juga g'shlat gw, tp agak mendingan soalnya alhamdulillah gw bisa puasa full,, beda ma yg skrg..(kena ganti lagh..ough...)
Habis org2 selesai shalt ied, akhirnya gw ma glo beraksi, dengan jubah baru gLo malu2 ciut2 buat nebeng pgi jamuan makan hari raye (hAhaha..santai aj glo,namnya juga ank terlantar..hahaha..peace..),,akhirnya kita makan rme2 deh di blkg mesjid. walupun kurang nampol tu mkn gr2 gw g'demen ma nasinya ( pengennya nasi putih,,tp yg ada entah nasi apa itu,,huhu.. ), tp itu udah alhamdulillah bgt gw bisa makan. emang nikmat klo mkan pke nasi,,lebih afdhol ..hihihii..
Pulang jamuan makan,kita semua pada maap2an..yg pada ktmu disalemin,,cipika-cipiki,,seperti lyknya suasan lebran..he..hbis tu kita cabut lagi ke aparttt..
Nympe aprt kita bgg juga mo ngapen ..huhu..biasanya klo drumah ne hbis salam2an udah mo rencanain mo jalan2..ke kmpung..mkan2..hikz..hikz..
sedih bgt,,itu lah yg g'gw rasain lebran kli ne..beda bgtt...no ketupat,,no lontong syur,,no rendang,,no samba lado,,,huaaaa...hikz..hikz...gw cuma bisa berdoa,,,moga2 dengan ini gw bisa tmbah dewasa, mngerti akan artinya hidup yg kdg kala kita hrus berkorban..jd buat temen2 semua,,bersyukurlah kalian msih bisa berkumpul brsama keluarga tercinta..manfaatkanlah waktu yg berharga bersama mereka...u will feel very lose them if u hve far away from them, so say thx God for wht He have given to u all..
MInal aidin walfaidzin ,,moHon mP Lhir btin y semuanya...
Selamat merayakan hari kemenangan ya...:)
0 comments

LebaRan wiLL coming...

11:39 PM | by iLeLviNa
taraaaaaaaa....
Lebaran sebentar lagi,,bju bru belum dibeli..hehhee...ngerasa udah tuir nehh,,coz g'da bju2 lebaran lgi..hihii..
Duhh,,sedih bgt ngeliat temen2 yg udah pada blik. Pasti mreka lagi bahagia skrg, dah berkumpul bersama keluarga tercinta. aku dan teman2 yg g'blik hanya bisa meratapi nasib yg tak tahu entah kmana akan berjalan...hikZ..((sedih gila..))

Well, lebaran without family for this year, umm...
wht will happen??? Ya Allah,, moga2 aku kuat...give me a strength y Allah..

Happy Aidil Fitri for aLL my friend n for the members of religious community of Islam ...:)
0 comments

Personal Finance

7:33 PM | by iLeLviNa
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.


Budgeting

At the very basic level of personal finance you are dealing with a budget; you make money and then you spend that money. Even if you haven’t created a detailed and written budget you continue to budget on a daily basis. When you are faced with spending money on something you think about it and realize that by spending that money you will not be able to spend that same money on something else.

The problem that stems from not having a detailed budget is that we are faced with so many financial decisions it is nearly impossible to keep track of and remember everything. This lack of understanding can lead to overspending, debt problems or even the inability to adequately plan for your future.

When you create a budget you begin to see a clear picture of how much money you have, what you spend it on and how much, if any is left over. Once you can see the inflows and outflows of your money you can optimize your spending so that necessary items are sure to be covered while cutting back on wasteful spending that will allow you to save money.

Budgeting lies at the foundation of every financial plan. It doesn't matter if you're living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn't all about resistricting what you spend money on and cutting out all the fun in your life. It's really abut understanding how much money you have, where it goes and then planning how to best allocate those funds.

How to Create a Budget

1. Gather every financial statement you can. This includes bank statements, investment accounts, recent utility bills and any information regarding a source of income or expense. The key for this process is to create a monthly average so the more information you can dig up the better.

2. Record all of your sources of income. If you are self-employed or have any outside sources of income be sure to record these as well. If your income is in the form of a regular paycheck where taxes are automatically deducted then using the net income, or take home pay, amount is fine. Record this total income as a monthly amount.

3. Create a list of monthly expenses. Write down a list of all the expected expenses you plan on incurring over the course of a month. This includes a mortgage payment, car payments, auto insurance, groceries, utilities, entertainment, dry cleaning, auto insurance, retirement or college savings and essentially everything you spend money on.

4. Break expenses into two categories: fixed and variable. Fixed expenses are those that stay relatively the same each month and are required parts of your way of living. They included expenses such as your mortgage or rent, car payments, cable and/or internet service, trash pickup, credit card payments and so on. These expenses for the most part are essential yet not likely to change in the budget.

Variable expenses are the type that will change from month to month and include items such as groceries, gasoline, entertainment, eating out and gifts to name a few. This category will be important when making adjustments.

5. Total your monthly income and monthly expenses. If your end result shows more income than expenses you are off to a good start. This means you can prioritize this excess to areas of your budget such as retirement savings or paying more on credit cards to eliminate that debt faster. If you are showing a higher expense column than income it means some changes will have to be made.

6. Make adjustments to expenses. If you have accurately identified and listed all of your expenses the ultimate goal would be to have your income and expense columns to be equal. This means all of your income is accounted for and budgeted for a specific expense.

If you are in a situation where expenses are higher than income you should look at your variable expenses to find areas to cut. Since these expenses are typically essential it should be easy to shave a few dollars in a few areas to bring you closer to your income.

7. Review your budget monthly. It is important to review your budget on a regular basis to make sure you are staying on track. After the first month take a minute to sit down and compare the actual expenses versus what you had created in the budget. This will show you where you did well and where you may need to improve.


Cutting Expenses

After you have created a budget you can begin to see where expenses may need to be reduced in order to meet your goals. For some people this means eating out less and for others it could mean getting rid of that extra vehicle. Whatever the case may be, everyone has an area or two where money can be saved by reducing some basic expenses.


Getting Out of Debt

Even after creating a sound budget and cutting unnecessary expenses you may still find yourself with lingering debt to get rid of. Financial leverage, or using credit and taking on debt by itself isn’t necessarily a bad thing but there are two kinds of debt: good debt and bad debt.

When you borrow money to purchase a home you are taking on a lot of debt, but lower interest rates and the purchase of an asset that can increase in value is an acceptable form of debt. On the other hand when you go to the mall and have yourself a shopping spree using your credit card with a 24% annual interest rate without paying it off in full right away is bad debt.

Getting out of debt doesn’t have to be difficult but it is essential in reaching a state of financial independence. The first thing to do when you find yourself in debt is to pay more than the minimum monthly payment. If you only pay the minimum each month it will often take decades to repay the debt and cost a small fortune in interest. Once you are paying more than the minimum you should look to lower your interest rate. High interest rates will make getting out from under the debt even more difficult.


Saving for Retirement

With fewer companies offering full pension plans and the uncertainty of Social Security it has become more important than ever to save and plan for your own retirement. Unfortunately many people feel that they simply don’t have enough money left over each month to save.

Retirement savings needs to become a priority instead of an afterthought. The Internal Revenue Service has made saving for retirement even more attractive with special tax-advantaged accounts such as employer 401(k) plans, individual retirement accounts and special retirement accounts for the self-employed. These allow for tax deductions, credits and even tax free earnings on retirement savings.

Whether you are just out of college and have 40 years until retirement or you plan on retiring next year it is never too late to plan and to maximize your retirement savings.


Insurance

So you have created a budget, cut expenses, eliminated your credit card debt and have begun to save for retirement, so you are all set, right? You have definitely come a long way but there is one more important aspect of your finances that you need to consider.

Insurance is important because you have worked hard to build a solid financial footing for you and your family so it needs to be protected. Accidents and disasters can and do happen and if you aren’t adequately insured it could leave you in financial ruin.

Some insurance policies are required and everyone should have these types of coverage but there are many other types of insurance policies that are probably not needed and you could be wasting precious dollars that could be put to work elsewhere. There is a fine line between having enough insurance and being over-insured.



Review :

In order to obtain financial success, we must begin with a reliable personal financial planning program. This program will help us address important factors relating to how we handle our everyday finances so we can maximize what money we got. With proper budget planning, we can get more value out of our money and avoid experiencing financial crisis.

The first step is recognizing the importance of having a personal financial planning program so we can determine how we can reach our goal and what else can motivate us towards achieving it.

Personal financial budgeting involves the following:
1. Financial budget for your day-to-day finances while not depriving yourself of what provides you enjoyment and satisfaction.
2. Setting up larger financial goals to which your daily budget and planning is aim towards.
3. Making sure that you have enough savings in case of emergencies or unexpected financial struggles.

The Importance of Budget

Others think that by creating a budget for your finances, it is similar to lack of financial freedom. However, it is of the exact opposite. By creating a budget, you are able to create a financial safety net so you have enough money to spend on things that you want without hurting your financial condition.
Regardless of how little or large you earn on a monthly or yearly basis, budget enables you to take an effective step towards a healthier financial foundation. Hence, you can easily realize whatever financial goals you have.
When making a budget, it is important to keep track of every detail in your expenses - even up to the last cent. Hence, you can also evaluate your spending habits. It allows you to determine whether you are placing your money on important things or whether you can do without it.

Therefore, you must get started on devising ways to maximize your finances and enjoy it to the fullest. A personal financial planning program would help you establish the steps that will lead towards more financial success in the future.



http://financialplan.about.com/od/personalfinance/a/pfinance101.htm

http://financialplan.about.com/od/budgetingyourmoney/tp/budgeting-101.htm

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