This little evil in me ;p

Alhamdulillah, I have started to feel that my hard works really paid off. This month’s Premium Beautiful bonus had helped me to settle two of my credit cards debt worth of 6k, thank you Allah.

Yes, for an individual like me, who had a gunung of credit card debt, this is a whole load relief. Finally I have the taste of my own money to be spent wisely (instead of asyik kena bayar hutang kredit kad ;P), no more signatures on a piece of small paper which signifies a transaction. Yes, this is a real relief.

I have problems with credit card. Every time I did one transaction, I will tell myself, “It is ok. Will pay this next month’s salary” or “Will not swipe until I settle this transaction” etc. Totally lying, kan? It became worse when I had to swipe them to buy online flight tickets when Hazeman was in Kuching. I literally bought every weekends tickets plus when they are selling cheap i.e. RM 18- two ways. One time I had to withdraw my savings to settle the debts. Gosh, it was horrifying, macam zaman Dark Ages, seriously! I just had to get rid of them, by hook or by crook. This month swipe 1k, pay minimal amount, next month swipe RM 500, pay minimal amount. By 6 months, total debt RM 5xxx! Owh, now I am in real trouble!

But don’t get me wrong. Credit cards are not monster, unless not to individual who can think wisely before he proceeds with any credit transaction (which is not me). It’s like temptation vs. reality. It’s like looking at positive view vs. don’t look it into any view!

Tapi, sebenarnya if you are a wise people, with the highest inner strength to fight this little evil within you, then credit cards can be one of your best friends.  Let me provide you with some good info on credit cards, hehehe!

a)      My mother- she uses credit card very wisely (yes apart from she has more salary than I have + she has less financial commitment now). She basically will swipe 1 stuff that she wants so much which is costly i.e. her Fella Design make up table or her leather handbag which I don’t remember its brand which cost more than RM 1k. She will keep that credit card until she settled that particularly transaction; which means, before she swipe on another transaction, she will ensure she has no remaining credit. Yes, this is one very strong woman (with the strongest inner strength, hehehe!)

b)      Have you heard about Balance Transfer program? If you go to the bank, they will mention BT. I have used a few credit cards, most of them have BT program. This is a program which enables you to settle credits without any additional interest (apart from what you agreed upon, and it is a one time charge). For example for Maybank. They have a few program, 6 months-0%, 12 months-1% etc. So, if you have a debt of RM 3k and you kept paying minimum payment because you can’t afford to pay higher amount, it gives you an amount which you feel easy to pay without any other interest other than the one time interest/ charge.

Credit limit = RM 5000

Debt = RM 3000

You want to pay it for 24 months.

I.e. Bank A 24months; interest is 3%/per annum.

So, 3% x RM 3000 x 2 years= RM 180 (this is a 1 time interest) + RM 3000 (your debt)

= RM 3180 / 24 months

= RM 132.50 (monthly)

So, you are paying RM 132.50 for the next 24 months, and debt is gone =)

The best part is your credit card remaining credit (useable/swipeable credit) is RM 1820 (RM 5000 (credit limit) minus RM 3180 (your 24 months debt) until you finish that 24 months installment, so you will not able to do any transaction more than RM 1820 for the next 2 years hehehe! Selamat.. ;D. And yes, you must do the exact payment every month or else you will also get the penalty charge - 18% per annum (what do you expect la?). So, once you have a BT in your bill, keep the credit card in your refrigerator (bhgn yang sejuk beku tu) and only take it out after your BT is done,ok? Hahaha!

Disclaimer: Not every bank will have the same charges/ calculations. Certain bank will charge you on the interest that they mention to your remaining balance which I don’t like. So, please get proper advice from respective bank. I always opt for Maybank because of their easy peesy procedure, hehehe!

(p/s- Some of my Premium Beautiful customers used this privilege to purchase Premium Beautiful corset. So, they can do installment with the bank and enjoy the Premium Beautiful corset at ease =) Contact me for detailed information)

c)       Do you know that some credit cards offer you valuable points that changeable to vouchers and stuff that might be useable to you? Again, I am a Maybank credit card user so I love Treat Points (TP) that they gave me. Last month, I had my TP changed to Metrojaya voucher and I bought the whole set of my skincare Clinique at half price, yay! Some of my friends change it to perfume, Smartag etc. So we are actually saving while shopping credit card, hehe! If you are using Petronas as fuel for your car, opt for Petronas Ikhwan Visa credit card, you get to have more TP by using it. I have friends who swipe the credit card, and withdraw his money to pay the transaction on the very next day for the sake to collect the treat points, hehehe!

My skincare line ;p

Cukuplah 3 points,kan? Nanti other people think it’s a good choice to opt for credit cards pulak, hehehe! But, if you are a constant traveler like most of my friends who always had to travel with their athletes, especially to over the sea; then it is recommended for you to have at least one. You have no idea what will happen to you while you’re traveling, so this little piece credit card will be very helpful. But, of course don’t forget to inform your banker that you will do transaction from the countries that you are visiting then balik tu, terus bayar hutang-hutang tu tau! Hehehe!

Informative tak this post? I hope it does because sharing is caring,hehe!

Hanie Adzman

Latest addiction!

Wah! It’s been long since I have an entry, kan? This is the last month to qualify for Guangzhou and it really keeps me posted and full, leaving my working hour ends at 10pm, most of nights. Not only that I want to qualify myself but I will also like to qualify my business partners.  But, yes, I believe in hard work and commitment and responsibility. Not just to ourselves and families, but also to everyone who believes in us.

On that note, I seriously have no time to do any shopping since then. You know, like real shopping, to Midvalley, walk to every stores and pick up clothes, tried them on, and choose one from them. I only go to shopping mall to have meals and quickly leave to chase to next appointments and errands. I literally living with one sandals (read: the plastic CROCS  ;D), which I used to go everywhere, hehehe!

Plus, what distinguish a man to a woman? Hahaha! Yup, our shopping habits. Thus, it is so not us if one month puasa from shopping la,kan? So, how do I keep up with the distraction?

ONLINE SHOPPING!!!!!!!!!!!!!!!!!!!

Hahaha! You must have guessed, kan? Yes, I am big time online shopper. I basically allocate a few hundreds every month to do my online shopping. This is very important so that I don’t overspent (Remember, saving for house, saving for kids education funds, hehehe!).

Alright, let’s move on to which website I always visit?

First one:

www.thepoplook.com

This is the website that I opted for if I want blouses and dresses. I love their blouses because they are loose and labuh. I mean, regardless how fashionable we want to look like, our attire must according to the Al-Quran lah, kan? (Refer to Surah An-Nisa).  At time, I think I have nearly 10 blouses and dresses from the Poplook. They are colourful. The most important thing, their customer service people is just fantastic, especially when they are in my google chat list :D

www.fashionvalet.net

If you are looking for more extravaganzas over the top kind of attire, you should go to fashionvalet.net. They have so many designer attires, selling online and their customer service is at their state of the art. So easy peesy.  I have yet to buy anything from them, because I am saving it for more important occasion (maybe for my own Diamond night! ;D).

 

Facebook: tudungpeople

Owh, for my tudung, I get them from Tudungpeople. A group of very young woman, venturing into online business and I think they are hit! Just check out their facebook account and you will know what I mean. Some excited customers keep posting asking for their fast reply and to re-stock. Owh, they also have TP Singapore and Brunei, which must be very exciting, kan? I mean, they have actually expanded their business in less than 1 year after launching. That is HIT! I have some of their Adiva and Numa collection and now looking forward to their LAYLA collection re-stock. And the best part is they basically have their own video on how they actually style their tudung and it is some awesomeness because no matter how they style their tudung, it must cover the chest area, which is important for me as a Muslim woman. Tudung is not only covering your heads, but it must also labuh hingga ke dada! ;D

Next, for baju kurung.  Essentially, I must have my baju kurung tailored made. So, I will do online shopping for kain cotton. There are so many websites to choose from, ranging from RM 120 to RM 75 per 4 metres. I used to opt for azzaracotton.com. They have a shop in Putera Heights. So, you can actually visit them. Other than that, there are lovelycotton.blogspot and Facebook: cottonlover. They have so many mixes match kain cotton that you can choose from, like so trendy now and they even have ready made baju kurung.

www.lovelycotton.blogspot.com

www.azzaracotton.com

Facebook: Cottonlover

Handbags! Yes, I do buy my handbags online. 1^st, they are cheaper. 2^nd, I am not a trendy or a person who will update on latest designer bag and all. So, when I go to www.princessvistoriastylo.blogspot.com, and I found a bag that I adore, I buy it (of course it depends on the budget, hehehe!) Of course, again, there are so many other websites to buy designer handbags, but I feel so comfortable with Kak Vee, so, I don’t go and look for other websites. She even sells branded watches and stuff.

At the moment, I don’t buy pants and shoes from website. These are two things that I must physically tried them on, then only I will buy because I am quite picky at shoes and I don’t like to wear tight pants (or jeans). But if you guys have any website that you frequently visited for these two items, feel free to share.

There you go my favourite online shopping website and facebook account.  I actually bought everything online for my Diamond Night Dinner, last Saturday =)

The whole loads of us

Our own Hanis Haizi was one the invited speaker of the night!

Talking about the Diamond Night Dinner, it was held last Saturday in MIECC; to recognize individuals’ hard work and determination. I am so proud that my own DSM Dr Tahirah was also one of them.  She basically qualified to every trip offered by the company which resembles her hard work in the business. And I am following each of her footsteps. Alhamdulillah, I am so near to what she had achieved.

I learn so many people kept asking me why I work so hard. Again, this is purely for my children’s and families’ future (aside to I want to be debt free: credit card, car loan, PTPTN loan, etc). Beside I believe in Allah’s promise where He will only change the life of people who want to change. So, here I am, pursuing my life in so many different lanes and grass, hoping for betterment, insyaAllah.  

Hanie Adzman

    

More testimonials

One happy Mommy! =)

See and believe it...=)

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Hanie Adzman

Dare to dream.

I couldn't sleep last Saturday, my heart was pumping hard and I felt like I was sleeping on the wrong side of bed and I woke up at 6am (which was bizarre since it was Saturday, people!).

Subuh done, then open my notebook, looked through my slides for the one thousand six hundred and forty-six times to ensure everything looked fine. No silly spelling mistake or sentence, checked for quotes and references. It felt as if I was going through my second Viva. God, my hands were shaking and palm was sweating!

I was ready and all by 8.30am, and left home to my destination. God, heavy traffic along Federal Highway! It was 8.45 am, Saturday la, for God's sake!

I reach my destination at 10am when I was suppose to start at 10am, such a bad impression.

This is where I was heading too.

Heart's pumping harder and butterflies are all over my stomach.

Hahaha! Such drama queen I am,kan?

Nah, just over reacting :D

I was invited to give a motivational talk to the students of Diploma International Business in Politeknik Shah Alam. I was very honored and I thought it was such a good opportunity for me to share my experience with this whole load of great young people.

I started of the talk with asking them to right their biggest dream in their lives. I specifically instructed them `Do not write to be happily married with 3 kids, or to be married with rich man. Dream big- say to be a share partner in Maybank, in Air Asia, the first richest woman in Malaysia; that sort of dream'

Such attentive a group of students; as if this activity meant from their carrying mark,hehehe!

Then, we listened to a few of their dreams. The biggest dream I listened to was from Nadia. She wanted to travel around the world by her private flight which should be bigger than an AIRBUS. She must be damn rich one fine day! :D

Meet Nadia, the girl in yellow shirt :D

From there, we started to discuss about the dare to dream, because everything in ourlives start from a dream. As in for me, my dream is to be working on flexible hour on the age of 30; hence my life pattern now.

We even talked about the must to do changes and sacrifises. Nothing in life comes for free; whereby to reach and go further, you have to learn to change and make necessary sacrifises (read here: NECESSARY,ok?). We further discuss that changes and sacrifises come from courage.

Courage does not mean that you are brave; courage simply means the guts that you have to face a condition that you choose to live in.

We even have a Q n A session (owh, I hope I did answer their questions correctly ;p)

I hope so much that they benefit from the session, I may not be the best speaker or motivator or whatever you name it. But I am so happy and honored to be able to share my experience and aspiration with them. At least, I saw no one fall asleep during the 1.5 hours talk,hehehe! I guess that means something, right?

Yes, basically what's going on in my life now started from dream. Dream to pursue life to the fullest. Dream to achieve more than I can. It has just started and long way to go, I promise.

Hanie Adzman

How did I end up pushing myself to the limits? (i.e. doing so many things at one time)

I got married to Hazeman in Mac 2010. Hazeman was posted to Sarawak General Hospital (SGH) which required me to travel back and forth, every forth weeks. Cheap Air Asia tickets could cost as low as RM 18 and the highest tickets will reach RM 800++.  Of course we planned our `visiting schedule’, but there were also times that I flew unplanned (i.e. Hazeman had his chicken pox etc). We don’t earn salaries of you know, big bucks; neither both of us came from very wealthy families. I ended up swiping credit cards to match this requirement. When Hazeman got to transfer back to KL, we realised we are stuck with credit card debts and they are more than you could imagine. Added to that are our monthly expenses and of course family’s expenses. Marriage comes with responsibilities to family, and mind you, it is not one, but to two families.

Yes, we do have lots of fun during our stay in Kuching. Sometimes I do wish that we are still there. And I missed Kuching big time..=(

Hazeman and I we are very much looking forward to have children soon, now that he has come to the end of his housemenship training, Alhamdulillah. I believe every parent would like to give the best to their children, and so do we. I am sure that most parents have had their children medically covered with insurance, and now you are looking forward for your children’s education fund and of course daily and monthly expenses; you know nursery of RM 250, pampers of RM 200, that sort of thing. Don’t forget the expenses that involved during delivery and post delivery. I am a planned person; I don’t like to face a situation unprepared. Indeed, every child comes with rezeki , which Allah has assured. But, those rezeki, I believe comes from hard work and changes for betterment (you know most married couples will start looking for side income job, do more part times, do more locums etc). Thus, being calculative and prepared person, I can’t see us to put up with extra expenses in this near future. Thus, we have to find solution.

Twins mean double in everything, yes I mean, every each of thing!

I am the eldest in my family. I am also the eldest grandchild in ayah’s side. Ayah had showed us the responsibilities as the eldest in the family. And I have determined to put up with that role too. Thus, I kept thinking that I must have a plan B for my siblings and cousins. My biggest fear is that anyone that related to me will not be able to survive in the future, financially. You know, like they can’t further their study, or they will not have opportunities to get a good job. I feel that it is my responsible to facilitate them in the future, if this happen. Hence, Hazeman decided that we must establish any sort of business as a starter. Apart from that, we take this as a challenge and we believe if we put our family as our first priorities, insyaAllah, we will have stronger bond as a family.

My father has the biggest influence in my life. Apart from a father, he is also a very good friend of mine. His thoughts really matter to me. 

I have my own target, to quit 8am-5pm work at the age of 30 years old. I would like to build and raise my own future family yet get to be working on flexible hours; which eventually leads to business. I want to be able to drive my children to their kelas mengaji, maybe to swimming and horse back-riding class. I want them to remember me be as the biggest influence while they are growing up, like I remember ibu and ayah while I was growing up. But, I can’t rely on Hazeman to work alone and feed our family. It is just unfair for he has been working so hard since we got married, and yes, definitely two heads are better than one (or maybe two pairs of hands are better than a pair, hehehe!). This fact also knocks my head when arwah mak fell sick. It was very hard for us to be at her side all the time since both Hazeman and I are working 8-5; five days a week, and yes we did feel horrible. At that point of time, I thought what if this happen to ibu, ayah, abah, my children, my siblings or any close family members, would I be able to take care of them if I keep working office hours? Or I would have to take unpaid leave to be there for them then my monthly expenses are not taken care of? That would give me another headache, I think.

I have met with so many people, some are very keen to take the first step for better life and some are “wait and see” people. Nevertheless, I keep my options open for I am only sharing this opportunities that I have now, with you.  Regardless whether you choose to continue to be in your comfy shoes or to take the risk while we’re young, I still very much will pray for the best in your future. =)

Hanie Adzman

p/s- It is 27th Mac 2012. Happy 2nd Anniversary, bi =)

Be in the right group

Last weekend, I attended the Exclusive Business Meeting (EBM) at the Women's Management Institute in TTDI. This is a free class provided by our CDM Hanis Haizi's team which included all business partners of CDM Maisarah Ibrahim, CDM Razali Zain and CDM Salha Zain.

Don't let me describe the audience. There were many people and everyone was excited with the speeches and information provided by all speakers. So, who says this business is to be handled alone? Every step you take is guided (or else, I will not reach two levels in the business in one month,kan? )

Yes, we are being guided all the way through the journey. Mind you, this is not the usual class @ B32 stokis in Batu Caves. This is an exclusive meeting of Hanis Haizi's group. How I am glad to be in most righteous group!

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Today, Faiez, Kak Yani and I had our own EBM. Yup, at my house, breakfast provided by Ibu, hehehe! Cool tak my mum? ;p We run through our targets, revised our name list and how to expand our networking. I basically provided all the info that I got from the previous EBM. Yup, this business is all about working together. Mcm Liverpool punye cogankata, You'll never walk alone,hahaha! =)

 

Yes, be in the right group is very important. Many people have encounter to wrong group which ended with frustration. But, hold our hands, we'll get you through, TOGETHER! =)

Owh, yes, I have new business partners during the EBM! ;p

Hanie Adzman

Catching up + Maya's big day! =)

Owh, Pija, Oya and I, we love to reminisce memories of Bestari 4 when we were in Science Muar. We could talked for hours and we didn't realise that we need to stop,hehehe!

This afternoon, we did the same thing. Cekidaut!!!

And, look who has been hitched!!

It's our own, Summayyah!!! Yay!!Isn't she lovely?? I love her Baju kurung moden so much! So flawless, as flawless as her skin!! ;p

And look, who did we stumbled upon..

Yes, the whole loads of Samurian!! =) Such nice people to bump into. Totally, made me felt at 17 years old,hehehehe!

Owh yes, guess what we got for Maya and her husband, Hafiz,hehehehe!

Tadaaaa!!!

Hahahahah! Happy cooking,Maya!!! ;p We know we make Hafiz one happy man now!

Owh, let me focus to the picture in Maya's card..

Yes, the good old days which made me realised I miss all of you..

Hanie Adzman

Pics credit to Fizha and Maya

p/s 1- Please apologize my blog's design. I have yet to finis the whole re-designing thing,hehehe!

p/s 2 - Please ignore my first attemp with Numa. It goes with LOAD (not lots) of training ;p

p/s 3 - I am so going to upload all Bestari 4's pics in my possession!