bills bills bills

Financial Goals 2011:

1. Memulai setoran untuk dana pendidikan Bumy
2. Nonton konseeeer! tepat abis memutuskan punya goal ini, eh dapet info di JJF2011 akan ada sondre lerche dan corrine bailey rae. ha!
3. Beli furniture buat ngisi rumah.. pengen ganti sofa jadi kursi kayu, beli tempat tidur bumy, ambalan untuk tv, lemari-lemari, nakas (how do grown-ups call it?) buat naro 'pajangan' (as if we had ones) dan semacamnya itu. Keep your hopes up, kid, but the numbers surely got me shivering :S
4. Build a kitchen set. hmm kalo udah pasang kitchen set nan rapi jali tentunya rumahnya juga harus layak dong yah. jika menimbang pasal tersebut, berarti keseluruhan bagian belakang rumah gue juga harus 'dirombak' mulai dari bawah (ubin) sampai atas (atap). perkiraan budgetnya juga jadi bengkak dongggg... akhirnya kami (well, gue) berujung pada kesimpulan goal berikut
5. Ngumpulin DP untuk rumah baru. hahahah.. somebody puts her hopes waaaaaay too up above and beyond x) habisnya kalau rumah gue yang sekarang harus direnovasi, biayanya hampir sepertiga rumah baru di BSD, kali. mendingan rumah ini dikontrakin, jadi investasi jangka panjang. yeah that's an optimistic thought.
6. Punya dana darurat. glek. kondisi kami sebagai keluarga dengan satu anak perlu dana darurat sebesar 9 kali pengeluaran bulanan. SEMBILAN.
7. Memulai setoran dana pensiun. who's up for that villa in ubud?? *gue dan bubi lari-lari*
8. Bela-beli asuransi.. term life, critical illness, disability, health, car. untuk asuransi kesehatan, agak pikir-pikir untuk beli lagi. soalnya plan dari kantor bubi sekarang udah lumayan, benefit rawat jalannya udah lebih besar. beberapa waktu lalu, gue sempat dengar talkshow dari QM financial tentang asuransi kesehatan. jadi untuk yang udah dapat proteksi dari kantor tapi mau naik 'kelas' atau mau naikkin benefit rawat jalannya, lebih baik cari asuransi yang sistemnya reimburse. karena kalau yang cashless biasanya gak terima salinan kwitansi (ujung-ujungnya gak bisa double coverage). sementara kalau kita beli asuransi khusus untuk rawat jalan, jatuhnya jadi leubihhh mahal. jadi, caranya pilih asuransi yang terima reimburse atau menyisihkan dana setiap bulan untuk health care.
9. Oya kalo mau berlibur gimana?? sementara dana darurat belum terkumpul... sementara dana pendidikan anak baru dimulai... is that even POSSIBLE?! *menggebrak meja kantor*
9. Hmm pengen ganti mobil juga... *ngelunjak sangat*
10. Hmm biaya untuk haji gimana?

sejauh ini cukup dulu menuliskan angan-angan... gue lanjut ke dilema tahap 2: yang mana yang duluan nih bo?? semuanya seolah penting, seolah perlu, seolah ingiiiin. hehehe, gue pernah baca seorang financial planner membuat 3 kategori untuk financial goals, yaitu wajib, butuh, dan ingin. okay, i did that categorising, tapi masih tetap blur! gue butuh URUTAN. which comes first, which can be dealt with later. akhirnya somehow gue menemukan materi financial lesson money101 di cnn.com. first lesson was setting up priorities, dan yang buat gue tercengang adalah they had a quiz to list down your goals, and then rank them down priority-wise! i recommend this for those of you who's as clueless yet banyak-maunya as i am, hehe. here's my result:

come aboard on frugal living ship, fellas!

UPDATE: link untuk fitur The Prioritizer di sini.

friendly fires

it's almost been a month since bumy's first birthday :D weww and i've been owing myself (and bumy too, maybe. please don't be too hard on me when you grow up, kid) to document the aforementioned event. seperti pernah gue tulis di blog post sebulan lalu, gue menginginkan acara syukuran sekaligus a get-together yang small-scale, intimate, affordable, with good food and good ambience (was i that specific?). hence the intimacy, gue cuma punya daftar undangan yang pendek. i mean, i wanted the attendees to be people with whom i'd like to share my commemoration and gratitude of being a mother.. yea for a whole year through! hahaha, knowing me, i know they'd get my overrating of such event. this was me, taking care of a baby. i couldn't even take care myself well as a single lady :D self-centered me, going through sleepless nights, colicky days, and BEING a parent. i know they'd pat my shoulder for barely surviving.

i was minimally prepared, i found the 'perfect' venue just a week before the occassion. luckily i remembered to have husband check the availability, book the place and date, and settle seat arrangements (to get a nice corner in the cafe). i tried making an invitation, a personalized cute-yet-artistic (okay at least decent laa) one.. by using purpletrail.com hahaha. i worked on it for a week long, and then i ended up forgetting to send them by email on friday -__- so i just texted my buddies (buddies so close that they wouldn't care if they're not being 'formally' invited), and spoiled my wish list hehe.

on D-day at 10 am, i remembered thinking to myself, God would it be too much? i hate feeling lebay at the end of the day. but i should just go for it and not let my mood get in the way. anyways it's not all about me, it's for bumy as well. so at 12, we arrived there, and i found out i forgot to bring the party's souvenirs. no back up plans, so no souvenirs hehe. adit bought the cake at harvest, simply a few meters away from the venue.  
not long after, friends started to roam in, laughters shared, babies passed from one arm to another, meals catered, and then the candle was blown. i had a really good time, and i think so did most of my friends. we had not gathered for quite some time, it became a nice chance to meet up and catch up. and thank God nuri was kind enough to bring her own made cupcakes, yaay, so i was kinda giving them to some of my friends as souvenirs :D

and so we called it day, mission accomplished. thanks bumy, husband, and dear friends for making it happen to me. and of course, happy birthday, son! hahaha....