We beat the host team 3 - 1 in the final. K.Rajagopal's boys played a hard fought match against a solid Laotian team who were backed by almost a full capacity stadium.
The last time Malaysia played in the final was in 2001 when the games were held in Kuala Lumpur and last won the football gold in 1989 also in Kuala Lumpur when the national team was under the guidance of Trevor Hartley.
Malaysia's goals were scored by Baddrol Bakhtiar who scored twice in the 14th and 79th minute. Safiq Rahim scored the final goal in the 85th minute.
Our boys will meet the Vietnam team that had beaten Malaysia in the group stages.
Come on boys! Bring back the goal. Malaysia Boleh!!!!
That is most of us at the end of the month, that is even IF we manage to get there. Some of us are even THERE within 5 days after we get our salary. Where did our hard earned money gone??? I just got it, but now its....GONE!!!
Most of us have gone through this almost every month and it really sucks. No money = sucks. It's as simple as that. From what I can see, these penniless times can be avoided with a little bit of education and also a little bit of common sense. I'll try to share my wisdom and my two cents (well..i'll give you a penny, i'll keep the other penny if that's okay with you) on budgeting and savings based on my own practice and experiences.
1st Step: Write Down Your Expense
You need to know where your financial standing is on a monthly basis. Yup. Its a one step thing, man. So, keep your cool. Rome was not built in a day. Okay now, write down your monthly expenses based on these classes of expenses
Fixed Monthly Expenses
average monthly petrol, toll and parking paid,
average utility (water,electricity,phone),
credit card bills,
loan payments (house, car, study etc),
average monthly total spent for food at work
money given to parents,
average monthly groceries purchases,
ASTRO (IF you own one) and internet (again, IF you have it).
Entertainment & Luxury Items
movies
sports (futsal, bowling etc)
dining out (teh tarik sessions, family outing)
Savings
the amount depends after you calculate both the expenses above.
the rule is, should be 10% of your income. the more, the better!!
2nd Step: How Much You Earn Monthly? Be honest, don't cheat!
If you have a fixed income, then that's fine. But if you have an up and down income, take the average. Take into account each sen. Even part time jobs count!
3rd Step: Add up and Subtract
Add up your expenses & savings, then deduct it from your income. Now you will have a real picture of your expenses.
Here is where you can decide where you can cut down on or even take out all together. For example, rather than going to McD every week, make it once every 2 weeks. I myself go there ONCE a month (usually after month end accounts closing) but sometimes I don't even go there. Its true!
4th Step: Stick to the Game Plan & Stop Impulse (Mengikut kata hati) Buying
After the 3rd step above, you know where you can cut down or take out. Now, you must stick to the plan,
stop buying on impulse. Even buying a pack of Wrigleys chewing gum at the check out counter will throw you off your budget.
5th Step: Now you Have Your Budget
Now you have a plan, a budget..so stick with it! Write down for a whole month your ACTUAL expenditure. See whether your budget is on the dot or adjustments need to be made. Then after a month, revised your budget to make it better for your savings side, NOT your spending side.
Ok. Now, I have shared the 1st step on how I manage my money. I will share with you later on how I make money through saving money. So far, I have managed to buy myself a car, paid for my wedding & honeymoon and bought a condo in Mutiara Damansara from this. See you later and keep on budgeting. Bye!
My Myvi
P/S: Let me know whether my ways work for you or if you have other ideas /suggestions on how you do your budgeting and savings. I am always eager to learn and apply.
After a whole year working and managing the family, the NATS committee suggested that we have our own NATS Family Day. If you are wondering what is NATS. NATS is our very own little group of friends. You can visit our site www.nakatautaksaje.blogspot.com.
Moving on. Amru proposed that we do it at Janda Baik, off Genting Sempah. He says its ideal for families as there is proper changing rooms, surau and an open ground camping space. The rental for the place and food is only RM 25 per pax. So, its agreed. Janda Baik......here we come!!!
Saturday (yesterday) morning we met up at Shahrul's place around 6:30. Yeah...it was difficult for me to leave my comfy warm bed. But I got up, pack up and move out like a proud trooper. The Mrs. didn't follow as she had some family matters to attend in Bangi & also she is almost 5 months pregnant. Don't want to make her more uncomfortable as it is. So, she dropped me off and made her way.
One by one of the peeps arrived. Amru & Siti (plus Amru's apprentees Marina & Asfa), Zul & Mazlina plus the kids. Zareef was all excited that he wore his slippers on the wrong feet.
We made a quick breakfast pit stop at Gembira Restaurant Section 3 for breakfast and then off we go.
Wafi was also a part of our group going to Janda Baik but he wasn't at Shahrul's place as he was attending to his grandma who's in HUKM. We all praying that she get well soon. All our prayers are with her.
After a short stop at HUKM to pickup Wafi, we continued our way to Janda Baik. The place that we had rented is called Camp ABC. It holds training, seminars, team building events, bbqs, get togethers and other events of similar in nature. When we arrived, the place was very hilly, chilly but was refreshing and ultimately nice. We immediately unpack our gear and started to find a spot to pitch the tent (for the young ones). The guys were already giddy to plunge in when they saw the water. I on the other hand snooped around to see the sorroundings.
After enjoying ourselves to a refreshing cool dip, we had some games for the kiddies. It seemed the parents were more looking to it rather than the kids. We played bawak bola ping-pong dalam sudu, tiup tepung and carry your partner race. Everyone enjoyed themselves. Mostly the parents while the kids were trying to figure out what's happening.
We had our superb lunch at the camp's mess hall which we had BBQ chicken (Shahrul said it might have been marinated for 13 years, tummy), fried rice, fried kuey tiow, sausage links, veggies and some watermelons. It was included in the package that Amru had taken up. Thanks God, cos after the swin and the games, the last thing that we wanted to do was cooking.
After filling up, we continued the activities with some card and boardgames. The Guesstures boardgmae was a hit with everyone. We teamed up into 2 teams and slug it out. My team (Shahrul,Surini,Zul,Mazlina,Adik Ya and Zareef) won the game hands down. Shahrul & Zul were on the same wavelength from the start.
After the games, some of us went for a quick clean up, prayers and started to pack up for our journey back to Shah Alam. All in all, it was a success. Everyone had fun. We left our daily stresses behind and put our feet up.
Let's do it again next year. This time we"ll make it better than ever. Go NATS Family Day!!!
The past two weeks must have been like hell on earth for the most famous golfer on the planet. The news that Tiger Woods,33 crashed his SUV into a fire hydrant and a tree at 2:25 am in front of his multi-million Isleworth, Florida home broke like wildfire across the world. It was alleged that he had a fight with his Swedish wife, Elin Nordegren, 29 about Tiger having an affair.
He was charged and fined $164 by the authorities for careless driving. That amount is spare change to him. Even the SUV that he wrecked would be just one of the number cars he have. But the real damage was to his reputation and most importantly his marriage.
For the past 15 years, Tiger has always say little to the press and let his golf do the talking for him. Tiger would always try to keep his personal life out of the eyes and ears of the public that put him in high esteem. People will be in awe of his presence for his elegance, precision and smart. But no more. Now his reputation as a "good guy" is forever ripped to shreds. Now he looks sloppy, dirty and dumb.
Last Friday, Tiger made a statement on his official website www.tigerwoods.com that read, " I am deeply aware of the disappointment and hurt that my infidelity has caused to so many people, most of all my wife and children". He goes to add on, " After much soul searching, I have decided to take an indefinite break from professional golf. I need to focus my attention to being a better husband, father and person". I personally think this is the smartest decision that he ever made on or off the golf course.
It has emerged since then that Tiger have been having several extra-marital affairs. All the "birdies" that he have put in have come out and told their stories. Text messages, videos and short stories are being told by there money grabbing girls that don't realized that the happiness of a young family is in danger. Greed is the main order of the day for these slutty girls.
Rachel Uchitel, first uncovered birdie
Tiger's decision to take an indefinite break would be a huge loss to the game of golf but when push comes to shove, the happiness of his two young children, Sam Woods and Charlie Woods, and also Elin's are the most important. Tiger has made money from the game and I personally think that he has loss the love for the game. He will need all the focus that won him all those major, trophies, money and accolades to rebuild his reputation and importantly the trust between him and Elin.
The Woods family in better times
So, I applaud Tiger's decision to focus on what that really matters. I'll raise my glass to him for that.
