Wishlist #1: How to buy a house

We ourselves never ever think we managed to have a house this soon.

But I think Allah knows best, and this is the rezeki we get from the Almighty.

Many people (of our ages) motivated or triggered to have one.

I myself do when see others have their own house.

I am a bit pushy to my husband, I wanted a house, a new one… and I myself pledge to have a house before I am married but the rezeki is not there yet.

So we do have quite sometimes spent our dating time by searching for a nest to be living in.

From Cheras near to my mom to Gombak to Nilai and even thinking to build a house at Kampung, all I want is a house of our own.

I insist!

To build a house, the process a bit more tedious compare from buying a house. Plus the loans is very difficult as we both not in the government sector.

1.       Start searching now.

-          Use the entire property website available on the net.

-          Look into the development company website on their future project. (The earlier you buy, the cheaper is the price)

-          Read through the newspaper.

-          Give a look at the advertisement around you. (Billboard, pamphlet, some have road show in supermarkets eg, giant, tesco, carefour)

-          Went to property exhibition. (from here you may register at their booth and they will update you on their latest project! Please leave your track jot down your phone no or email)

2.       Keep searching.

-          Have a long around town. Resell new house.

-          New develop area

3.       Found one.

-          Ask! Ask! Ask! Ask what ever you may ask. Even a stupid question. (We asked a lot of question, stupid question. We don’t have money but based on gaji can pay)

-          Leave your name. Register (don’t pay anything just yet, just convince them you are interested but don’t pay yet. Tell them you pay tomorrow or tonight)

-          Go back and discuss, if this gonna be the heaven on earth, work travel, school (if you have kids), shops, clinics, and can we pay for it every month.

- Booked! it can be RM 100 or RM 1000 depends

4. Negotiation

     - You may negotiate on the payment... x percaya... definitely for newly wed & fresh grad money semput2 jer... where on earth to find at least RM 30k for the downpayment? 

First, believe in Allah, ada rezeki smooth jer ada sikit hiccup but still can go through, x per rasa susah tu kejap jer... (buang jauh-jauh perkataan "aku mana ada duit/ x der duit/ x mampu (be relevant laa, kalau setakat gaji isi rumah RM 2k without any extra income jgn pulak longing for RM 3mill hous)... kene cakap "ada tpbelum cukup")

Bile percaya pada Allah, ada jalan penyelesaian

- Discuss to buat markup loan... beli dengan harga non-bumi (normally lebih 7%) so lg 3 % jer kene bayar... 7% dr harga non bumi will be imposed as downpayment.

Some ada developer yg dah siap wave mintak byr another 3%. This have to be discuss with developer, sbb die kene buka harga pada bank. 

Jangan lupa tanya free gift... heee

5. Take loan with the developer link bank (bank yg mereka partner with)

- Loan process will be a bit easier, as the bank already knew the developer

-Throw many banks at once and compare the pros & cons... (dont go one after another, means... applied A and wait for the feedback whether can be approve or not... time... then rejected... apply B... wasting time)

-Once get the bank that willing to give loans, call other bank that not yet replied to cancel & stop the loan application process.

- They may wave the bank fees

6. LAwyer fee free,,, this normally the hidden part, Free for the bank, but not free for owner... need to prepare another few thousand... (here goes my bonus)

7. Loan okay... take a look on site what is the latest things they build up... make sure it is parallel to the one they issue us the letter... either you do progress payment or pay once get the key... 

8. Pay housing loan...

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Wishlist #1: House (Our Heaven on Earth Progress II)

I think most people who read my blog already knew that we already bought a house. See here


A very BIG achievement & responsibility for me specially (my first asset!)

And also by this im encouraging others to do the same thing also... That is buying an asset!

Since we recieved latest statment and progress letter, and of course the progress payment getting higher and higher each month we have decided to give them a visit. To really have a look what they are currently up to...

I dunno in construction field how do they measure the progress but for me it is quite good and fast! Now im bitting my fingers getting a bit scary on later part! (nak masuk rumah part) So much money need to be used and our saving is currently not that promising.

Anyhooo.... We try our best for our future and definitely thanks to Allah of giving us this chance and of course those who supporting us on this....


Please wait for my progress photo post and my verangan ideas!

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Blog application

I spending most of the time with my Ipad. I used to blog using my jailbraked ipod... However i reformat my ipod and intended not to be jailbraked again. Why? I dont have any answer for that... Now i feel a bit difficult for me to blog as i need to upload photos in a post. Most (all the blog related app) have to buy... I wonder is there any free app for blogger?

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COACH WRISTLET FOR SALE!

My husband went to United States of America for work last month, where i have to sit still in Malaysia.. soo not fair! hehehe

Two weeks of training in Chicago, Louisiana & Los Angeles (Transit) give him a chance to get us in Malaysia gifts & souvenirs. So to be in America and one of the thing that is famous in fashion is COACH.

Drum roll please...... my darling purposely bought extra and intended to sell them, so whoever interested may drop me an e-mail to kireen_akq@yahoo.com and the item will be posted to you for free (within peninsular Malaysia).

:: COACH Madison Gathered Signature C Large Wristlet in Black Sateen::

RM 380.00 inclusive delivery within penisular

:: COACH Signature Perforated C Leather Medium Wristlet in Coral::

RM 300.00 inclusive delivery within peninsular Malaysia

All item are 100% guaranteed authentic, brand new and purchased by my husband at the Coach stores.

there's a lot more of everything

Good Housekeeping: Organized handbag

I have a big handbag where i dump everything inside. I will only keep them tidy when i feel like i want to.

Here is the junk that i was carried EVERYWHERE. they just sits randomly in my bag.


:: bills, letters, transaction slips! Key chains 2 lipsticks and a lipgloss & of coz an expired eye mo ::

1st. Toss whatever you can to weigh off your bag. This is what cause your shoulder pain.

2nd. Keep the rest items you havent used in the handbag. My eg. I always forgot to where lipstick. Why i have to bother to have different shades. Keychains, use it as it is pfft!

3rd. Get a bag that have lot compartment. Remember where u put the item is for easy reach.

4th. Seperate items according to type and frequency of use. Like touch & go card, access card. Gadgets. With zipped pocket i put all my receipts, a pen & memo notes.




:: the larger compartment i have my wallet, my cable & make up case, my "monthly safeguards" in pouch::

Hopefully this could be remain as it is for a longer time.

Another tips is to keep the weekly coins that we have in coins bank!

Wah dah x berat mata memandang and dah x berat bahu memikul

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Good Housekeeping: organize make up table & drawer

First: tossed, eye mo if you could not remember when u open it,Then tossed rubbish & all expired item & stuff u never used over a year or moreEmpty the selected area & Separate items by categoriesVacuum the area before place & organize them

Now I am very into organizing stuff. Selepas kejayaan mengatur dan mengemas almari sang arjuna dewa ku seperti disini, makin membuak-buak rasa nak mengemas dan mengatur meja solek dan laci.

Gambar atas adalah gambar selepas, sebab x nak bagi gambar berkepah lagi huduh menjadi main picture.



At first i was searching for a silver or gold or bronze tray but it is no where to find. Tapi bile pikir balik nanti x stand out so terjumpa tiles putih... Pun boleh

* saya set on top of the table is for perfumes & brushes sahaja!
* empty bottle silelah ke tong sampah atau bgler pd collectors. Buat semak saje.
** saya suka body mist victoria secret setelah diperkenalkan oleh roommate saya dulu dan beliau menghadiahinya pun... Satu from izyan & another one from yanie... Thank u gorgeous ladies.
*** the kissing giraffe from my bestfriend wani... Who love beauty & she is a beauty... Nak bg a bit stand out the colour is bright & bring more fun to the make up table. Nice placement for my brushers!

I shoudnt post this but nevermind... This is not normal but because i try to keep everything inside from clutter dr luar i dump semua dlm ni... My husband is a perfectionist... Mana boleh this thing happen... Pfft!

(thats y i kept his thing, all on top of the table so die x cari anything dlm drawer)

* i separated them by kegunaan. Eg: skin, hair, make up, yg selalu guna kat depan yg jarang guna kat belakang.
* saya separatekan guna container plastic so that xder laa die jumble together. Boleh guna kotak juga. If deep enough boleh guna storage mcm kat ikea tu

My make up in a bag: eyeshadows, lipsticks, eyeliners, blusher, mascara

My skin care product: i bought this from a friend i did find perubahan on my skin. Have to wait until a month then only i story morry u ols is it ok ke tak.

A small boxes just to keep the loose item... Buttons pins

So got my make up bag, skin care bag, box of loose items, then my skin enhancement product (ada vs cream jugak... Its good & wangi amatlah menyukainya) then the hair products,deodorants, at the back is my rarely use product, mani pedi set, some cotton pads & cotton buds,wet tissue( a must have item for every girl) mirror, unopened husband's perfumes & some toiletteries (we r outstationers so might need things ready)

Where r the pads??? I keep it in some other place. We only used during the menses kan so x perlu dlm ini drawr.

Ini untuk everyday used.

P/s: terbeli brg online plak memalam ni haish not good... Not good...

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Good Housekeeping: small cupboard

Salam semua,

My superman keep on membebel & memuncungkan mulut tatkala tgk almari die yg dikhaskan untuknya semakin sendat dan baju yg diperuk-peruk sahaja (tunggu angin rajin baru susun balik).





Mmg rimas tapi malas. So bulan ni i got the chance went to ikea grabbed some storage "SKUBB" yang saya dah di survey-survey kat internet. Maka kat Ikea i dah tau apa nak beli... Jamu mata sikit... Grab & go





Then actually baju die muat!

I should record how childish he is bile tgk cupboard die kemas of course die kan perfectionist ada laa sikit-sikit komen x puas hati and pertanyaan kenapa mengapa benda ni macam x thn lama je...dan sebagainya... Tapi kesimpulan die suka

Kirin asingkan baju t-shirt, jersey, collar t, kemeja, undergarments, & seluar. Sbb mmg dah plan before bli...

Cume utk susun laci kompartment die x muat sbb tinggi lupa ukur before beli. So simpan je.

Kirin beli SKUBB with 4 compartment satu set dan with 6 compartment 2 sets.

Total loss: RM 100
TOTAL GAIN: happy face of beloved husband

:: the before & after ::

there's a lot more of everything