financial

I read some post from a woman that has followed seminar, theme financial. I think I have to share with you all because this information is necessary known to our live in married (even I am still a student college kkk)

1. consider that we are a company, its meant income minus outcome, must have profit
2. profit is get from put aside the income. the method, before post an outcome, the income have to put aside.
3. so put aside income is priority. though nominal is small, have to do by routine
4. there are 5 things in human life. NEEDS, WANTS, DEBT, SAVING, and INVEST
    NEEDS is need that must have filled. e.g.: eat, buy household needs, etc.
    WANTS is want. wants and needs are different. if wants isnt filled, no problem cause itsnt urgent.
    DEBT is debt. e.g.: home credit, credit card, debt to friends
    SAVING is saving funds. it is a must as reserve fund to anticipation something that happen out of our plan
    INVEST is like invest in deposito, reksadana, gold, property etc.
5. the proportion of them:
    if we has debt: needs (50%), wants (10%), debt (30%), saving (10%)
    if we dont have debt (free): needs (50%), wants (10%), saving (30%), invest (10%)
6. the last dont forget to always be generous. sincere to share our rizki. cause what you share, it is what you get

so, you who looking for mate, for man accompanying your GF when she shopping cause when she become your wife, more she saving money, more humble her lifestyle, and better for you. for woman beside ask the income of your BF, also ask his outcome. dont dazzle with a man who has big income, but has a big debt, it is some lie.

simple, but important :)

chocolatos

you come with sweet taste that make me free, calm, and happy. I adore you

black

when I saw some picture folder in my laptop, I found the photo has taken at November 2012, I has sung with my choir team at SESINDO 2012. the dresscode was black. umm I rarely to use black clothes and has photo when use it. here we go!

not bad, huh?

8th hunting sisfor at kebun bibit surabaya

there are some photo has taken at Kebun Bibit Surabaya with Sistem Informasi Fotografi club. enjoy it!

theme : picnic

some people called this photo as Wardah adv and they give some absurd conversation to complete it as adv lol

the sinister expression I think :|

the most photo I loved by mr. pipin <3

very very chubby

laugh

how I called? umm waiting for something?

crew prepare the equipment, they are so serious O.o

the fail funny expression, isnt it? hahaha

well, here the model of hunting moment. beautiful, charm haha I always expected about us too high whereas the fact isnt lol

edwina fiqhe anandita

rosalia valentin margareta

endhita ayu kusuma putri

umi fadilla

and the last this is the crew of 8th hunting sisfor

thanks for watching, hope give you all inspiration and enjoyable :)

tired

siang ini aku menyempatkan diri mengunjungi danau favoritku, danau beriak dengan anggunnya.
setiap angin yang menerpa membuatku tak bisa berceloteh, menjadikanku bukan aku lagi.
seakan aku dibungkam oleh perasaan dan pikiranku selama ini, oh tidak, yang pasti 4 bulan terakhir ini.

aku lelah, lelah sekali...
banyak hal terperangkap dalam pikiranku hingga aku tak bisa mencerna dengan baik apa maksud semua ini.
badan ini mendadak dingin, bak terjebak hujan dan angin ketika terburu ingin pulang kerumah. ingin lepas, tapi tak bisa.

aku lelah berlari.

aku berlari untuk sebuah kenyataan yang luar biasa pahitnya. aku bersembunyi di tumpukan tugas dan kegiatan di kampus. aku menutup telinga dari segala hingar bingar tentang hal itu. aku menutup mataku agar tak ada lagi air mata yang mengalir sia-sia. aku berlari hingga lelah ini pada akhirnya datang.

bukankah ada terang sehabis gelap?
berlari bukan pilihan yang baik. aku harus menghadapi. karena sampai kapanpun aku harus menopang hidupku dengan caraku. sampai kapan aku harus melakukan sesuatu yang dilakukan hanya untuk bersembunyi? bukankah Tuhan melihat derajat kita dengan sikap yang kita miliki?

aku tidak akan lari lagi karena Tuhan tahu apa yang terbaik and I always believe on it. as the water in the lake, it followed the stream flowing even when it had to go through a narrow trench and dark. and it'll find its own ocean that itself don't know how wide the ocean.

thanks ariesty, secara tidak langsung sudah menyadarkanku hal penting ini :)