MONEY is not EVERYTHING but POVERTY is NOTHING!

:: act, this is home take assignment given by my personal finance's lecturer :: *.*

PERSONAL FINANCIAL GOALS

Name : SITI NURQIMAH RAZALI
ID: 2007298662
Date : 21/07/2009


SHORT-TERM GOALS (less than 1 year)

- Entertainment
cost estimated/target date: RM 250/end of Aug 2009
:: going to Tambun or Malacca or Genting

- Preparation for Hari Raya
cost estimated/target date: RM 300/september 2009
:: sbenar nye saya da ade 4pasang baju raya. hehe.. tp heels xbeli lagi=( n saya nk beli ole2 untk adik2 tersayam gak..

- Save RM 2,000 from JPA scholarship
target date: end of this semester (Dec 2009)
:: invest it in ASB


- Career clothes for indutrial training
cost estimated/target date: RM 300/Jan 2010
:: nk beli formal clothes=) kasut da xmo beli, mak asik bebel da xmuat almari.. saya perlu melaram! sangat2 perlu.. i'm bored being single! haha..

- Handbag
cost estimated/target date: RM 300/Jan 2010
:: the most gorgeous one! guess what??? haha..

- Save RM 3,000 from JPA scholarship
target date: Feb 2010
:: invest in ASB

- Save RM 100 from allowances given by company
target date: Jan 2010-May 2010


- Vacation (somewhere in island perhaps)
cost esimated/target date: RM 500/June 2010
:: Perhentian Island, wait 4 me!

- Enter into industry
target date: July 2010
:: looking for a work experience before starting my MBA. hope to get my starting salary as low as RM3,000/month=)


INTERMEDIATE-TERM GOALS (less than 5 years)

- Doing my MBA abroad
cost estimated/target date: scholarship/Jan 2011
:: OHIO i guess. hehe.. pray for me!

- Enter into industry
target date: Jan 2013
:: being part of BNM members or.. hurm, actually i don't think for it yet.. i wish i could earn RM5,ooo++/month. hehe.. is it realistic???

- Buy a NATIONAL car
cost estimated/target date: RM45,000/Jan 2013
:: act, this is my dream car.. VOLKSWAGEN BEETLE. but i don't think it is affordable for a starter like me. hua3.. so sad! Then, MyVi is good enough for me. i need 2 save more to gain more=)

- Save RM 250 into ASB account
target date: every month starting from first salary


- Send my lovely parent to perform Haj
cost estimated/target date: RM 20,000/2014
:: i do want my parent go there with my own money. INSYA-ALLAH=) ands i'll go with them as well.. so the overall cost including me is about RM30,000.


- Starting a family=D
cost estimated/target date: RM 50,000/May 2015
:: tunang pakai baju kaler pink (pelamin kaler puteh ditabur ngan red rose)
:: akad nikah pakai baju puteh (puteh yg suci)*saya masih suci yer*
:: kenduri kat rumah saya tema kuning tp pengantin pakai kaler gold time bersanding dlm rumah) and kaler hijau (time makan beradap kat halaman rumah ala2 garden gitu)
*teman hidup saya 2 akan diarak ngan motobot*hehehe..

- Honeymoon
cost estimated/target date: will be sponsored by c7's.haha..
:: i wish i could go to Hawaii or Korea=)


LONG-TERM GOALS (more than 5 years)

- Deliver my 1st baby
target date: 2017
:: semestinye chumeel n cute n sehat n bijak lagi pandai cam umi dye. haha..

- Keep on savings
:: save 10% of my salary

- 2nd baby
target date: 2019

- Doing my PHd abroad
cost estimated/target date: scholarship/Mid 2020
:: will go there with my hubby and my two children=) how sweet!

- Return 2 Malaysia
target date: 2023
:: MALAYSIA, i'm back to serve u!

- 3rd baby
target date: 2023

- 4th baby (maybe this would be the last one)
target date: 2025

- Starting new job as a Finance lecturer
target date: end of 2025
:: back to my homestate perhaps=) KELATE, i'm back! mak ayh saya mesti windu kat cucu2 dia. hehe..

- House's down payment
cost estimated/target date: RM 25,ooo/2026
:: somewhere in my homestate. saya nk dekat nga mak ayh saya.. tp kalo bley wat rumah tepi pantai mesti besh!

- Annual family vacation
cost estimated/target date: RM5,000/every year starting from 2028
:: within Malaysia only. Family come first. i want to be a successful career woman n at the same time a good mother and wife=)

- Starting up a business
cost estimated/target date: RM20,0000/2030
:: i would love to open up a bakery (BAKElicious)
and a dual cafe+mini library (BOOKlicious)


- Buy a new car
cost estimated/target date: RM85,000/end of 2033
:: at this age (38 years), i don't think that volkswagen suits me. kang jd cam nek jijah plak, makin menjadi2 ble umur da lanjut=D Tp betul ke xleh beli volkswagen eh???nak!

- Going to Mekah with my husband
cost estimated/target date: RM20,000/2035


- Buy real estate
cost estimated/target date: RM500000/2040
:: buying apartment for each of my children (what a nice umi!)


- Retirement period
target date: 2050

**Miss QIM:: after all, i think i should be married 2 a rich man. i have so many things to be done and it consume a lot of cash!!! hua3..