My boy Turn 1y 7m

Muhammad Khairul Iman Bin Muhammad Khairul Izewan

now day is 1 year 7 month

my cheeky boy 

budak dah banyak bebel 

walaupun tak paham lagi apa yang die maksudkan

cakap bahasa korea hehe

dah boleh tolong mummy buat keje sikit2

tolong agkat kain

buang sampah dalam tong sampah

tolong ambik penyapu bila buat sepah

ini yang die paling suka, main penyapu tu

jadi Harry Potter

hehehe

dah boleh paham sikit arahan

bila kita marah or tak bagi buat sesuatu

suruh ambik sesuatu yang biase dengan tempat nya

mintak air, suruh makan 

tapi part yang paling tak best 

bila kene berebut handfon dengan dia

sebab die nak tengok Ultraman

mummy nangis la tak leh nk call orang

hahaha

tapi best bila kita sebut Utraman die akan buat gaya

sambil sebut AUltru iee (Ultraman + 18) 

senang betol budak ni buat singkatan nak sebut

hahaha

budak bijak mummy daddy ni

mamang mintak kene gomol

hehehe 

budak kuat, patah kan lesung batu maummy ;-)

bila dulu mummy teringgin anak perempuan, jadi iman la yang pakai tudung, 

hehehe

bila mummy nak solat, die pun nak join sekali, solat dan baca muqadam

clever boy

this time our personal massage in action

good boy

reward after massage, hihi

tema mummy daddy dinner tapi iman dating la dengan amoi sebelah tu

hehe

you are smart boy, clever and soleh..

Alhamdullah

barakhallah...

the best gift ever..

3rd Wedding Anniversary Trip

dari baru kawen da cakap dengan husben

kalo leh nak la setahun sekali dapat g trip or holiday pun jadi la

tak payah jauh2 pun takpe

asal leh spend time together 

so this trip go to Sabah

Kota Kinabalu and Kundasang sahaja

jadi la kan

merancang nk g 6-7bulan jugak

baru la dapat pergi

1st beli teket flight 7bulan yg lepas

baru la rancang lain punye planning

macam duit, hotel and tempat yang nak di tuju

kami bukan orang ada-ada

so nak trip kene la buat sikit2

kumpul wit semua baru la pergi

sorry takde money funder, kita yang kne funder orang ada lah

hahaha 

so the trip begin with buy tiket flight on Jun 2017

than trip on 28.01.2018

jauh kan 

tapi xpe, sabar itu indah

hehehe

tapi last2 sebulan sebelum pergi family kakak n parent nak ikut pulak

dah tak berape jadi anniversary trip

sadis

bertabah la 

hoho

so this trip is advance trip annivasary

our 3rd anniversary on 16.02.2018

husband 28y5m

me 27y9m

khairul iman 1y 4m

1st day 28.01.2018

airport

arrive on KK 4pm 

check in hotel 

than 6pm eat seafood, yeay

than Philippine market for surveynior 

hehehe 

2nd day 29.01.2018

Kundasang

Muzium 3D

Kinabalu Park

Desa Dairy Farm

Sabah Tea 

3rd day 30.01.2018

tour to KK

than ready to comeback KL

that all for short trip 

The End...

Our 1st House Officially

Our Target Before 30's years old

buy our 1st House

Than that time me 27 years old & husband 28 years old 

Than Officially get the Geran Tanah with our name on it..

we so excited, speechless, cry & touch 

Chronology 

after almost 2 years working on it 

1. we survey on end of 2015

2. than decided to buy on Jan 2016 (Pregnant 2 month)

3. Booking on the same month

4. Mac 2016 do some personal load on Aoen for the 

*3.2% booking (RM10,500.00) 

*settle of pending payment for PTPTN (RM4,500.00) 

*Pay for Jurunilai (RM1,200.00)

*Lawyer Bank fee (RM2,000)

*repair car (RM3,000.00) 

5. Jan -Feb 2016 try loan for all bank

6. April 2016 sign Agreement with bank 

*pay the lawyer bank fee RM 3,000.00 balance

7. Mei 2016 sign agreement S&P lawyer
*pay the lawyer S&P fee RM 4,000.00 

8. Aug 2016 wiring the house (from our bones payment) RM2,000.00

9. Sept 2016 rent our house before change title (deliver my baby)

10. May 2017 Personal Loan with Office to pay 

* full settlement car RM 4,000.00

*5%  RM 16,500.00 owner 

*repair car (RM1,000.00) 

*table tob RM3,500.00

11. June 2017 KWSP payment pay to 6.8% for deposit 

12. July 2017 pay balance lawyer S&P fee and 6.8% deposit RM 25,300.00

13. Officially 1st payment to bank on Aug 2017

14. change title on GERAN TANAH on Dec 2017

(Officially our house this time)

The house price RM330,000.00 

(Bank loan Pass is 85%+insurance RM295,000.00)

so, 

1. Booking fee (3.2%) RM10,500.00

2. Deposit Fee (6.8%) RM22,500.00

3. Bank loan not cover 5% RM16,500.00

4. Lawyer S&P fee RM7,000.00

5. Lawyer bank fee RM5,200.00

6. Evaluator RM 1,200.00 

7. Pending PTPTN RM 4,500.00

8. Wiring & Lamp RM 2,000.00

9. Safety Grill RM 1,800.00

10. Table Top kitchen RM3,500.00

11. full settlement car RM4,000.00

12. Repair Car RM4,000.00
13. Deliver Baby RM2,000.00

13. Misc RM3,000.00+/-

TOTAL IS RM 87,700.00+/-

Fund we get from (no funder oky!!)

1. Personal Loan Aeon RM 22,00.00++ 

2. Kutu RM4,500.00

3. Saving Money RM3,000.00

4. Saving Company bones RM 7,000.00 

5. Company personal loan RM 25,000.00

6. KWSP combine RM 26,500.00++

TOTAL IS RM 88,000.00+/-

so now we pay for this house is double the month installment 

- Bank installment is RM1,370.00

- Personal Loan Aoen RM508.00

- Office loan RM500.00

TOTAL IS RM 2,378.00 EVERY MONTH UNTIL 5-6 YEARS 

so this payment for our sacrificed SEKIAN

p/s - Nasihat kasih sayang untuk orang muda macam saya, dari keluarga sederhana, manage your money. Jangan shopping to over bila dapat bones or duit terpijak, fikir dulu mana yang penting dulu sebelum beli. Boleh shopping but please budget your money and commitment dulu. Jangan bulau mata hokey. hehehe 

Muhammad Khairul Iman Turn 1

Selepas setahun melahirkan anak pertama

Muhammad Khairul Iman Bin Muhammad Khairul Izewan 

Terasa cepat masa berlalu

terasa betapa kecil nya baby baru lahir bila penggang baby lain

dulu masa mula2 penggan Iman Baru lahir besar sangat dan berat

terasa berat sampai lengun tangan

menyusu pun kene penggang dua tangan

rasa nak nagis tengok cepat betol dah beso

rasa banyak lagi takdapt buat untuk Iman

terasa cepat betol perkembangan Iman

6bulan dah mula tumbuh dua gigi

9bulan dah merangkak

hapir 11bulan dah mula berjalan

setahun ni gigi da penuh
tapi takde la pandai cakap 

hehehe

Setahun ni la kita sambut bagi mummy makan laksa

lama dah rasa tak dapat makan laksa

sebab kene pantang setahun

hehehe

Iman mummy beli kan kek jer la

oky la kan, Iman 1st time dapat makan kek

hehehe

mummy daddy harap Iman akan jadi anak yang soleh dan berjaya satu hari nanti

sama macam mummy daddy yg berjaya dapat apa yang di ingin kn

amin..

Mybe mummy nak hadiah kan Iman pergi kelas berenang la

sebab mummy tak reti berenang

untung-untung kalo mummy nk pergi snokeling

Iman la boleh bawak mummy

hehehe

tula impian mummy yang tak tercapai lagi

tapi kesudahan nya tak sempat jugak mummy daddy nk bawak iman g berenang
dapat pergi bawak iman g wetland jalan
bagi tengok2 haiwan dan pemandangan
sebab iman pun tak sihat

budak demam bawak jalan xmo senyum

hehe

budak belum jawa

kata moyang die,haha 

p/s - late post

now sudah 1year 7months

=)

Love MummyDaddy