Personal Budget

In today's here today, gone tomorrow society there are not many people that take the time to create a personal budget. Many feel that they don't really need it; while others just don't want to restrict their spending. With this in mind, it's no wonder that personal bankruptcies are at such an all time high. The advent of credit cards and the wide spread availability of credit itself has allowed people to purchase what they want, when they want, with little to no regard of whether they can really afford it. There is small hope that these patterns of behavior will change in favor of living on a budget until the masses realize all of the advantages of a personal budget.
Living on a budget relieves a great deal of financially related stress. It's always fun to spend money but when the bill comes due, the fun is long gone. A lot of times when this happens people resort to what my grandmother use to call ‘robbing Peter to pay Paul.' In other words, they resort to using one credit cardto pay on another card. Other times people choose to get what's called a "payday advance loan." A payday advance loan is given by a credit company for a specific amount that will be automatically taken from your next paycheck. While this will put money in your pocket for the short term, in the end you will still be in the same hole. Either of these situations causes a viscous cycle of debt that can be extremely difficult to recover from. A budget helps to ensure that debt is prevented and money will be available throughout the entire month.
A budget also helps an individual regularly place money into a savings plan by freeing up money that they did not know they had. This allows for a comfortable retirement when that stage of life rolls around. It will also provide a financial cushion to cover any emergency situations that may arise.
Goal achievements are also an advantage of personal budgeting. Everyone has financial goals that they would like to reach in the future.

~sye rindu kam0o~

Papa..Mama..

farid rindu kt papa ngn mama..=='

da lme x blek banting~

masok nie da 3bulan lebih xblek..T_T

rindu gak kt kwn2 bantingku~

kak faiq..

paan...

harith..

macha..

raje..

lukman..

zanie..

amri.

lme gile kowt x jumpe korg..

hurm..arap2 dpt jumpe cuti nie..amin..

heaven!!!

hahahaha...

pagi tdi aku tido kol 5.30..

coz men game nye pasal..

klas kol 12.39 en dan klas tue je yg ade tok rini....(jgn jeles k..)

so,,amek kesempatan la..hehehehe

tepat jam 12 tgh hari..aku bgon..

aku bgon sbb bdak2 da memekak soh bgon..

g klas..(sakit telinge aku)

fiz thing bile aku bgon...

tgk hp burok aku..

tgk de pape ke x..

aku de dpt 1 msg cri pn fazlinda..

die kte

"farid,,our class postpone"..

msg tue panjang lg..

tp aku mls nk bce..

n aku senyum dan tros sambung tido.

hahaha

sangat heaven!!=p

i'm back blog world!!!

hahahaha...

Hye sume..

da bertahun aku x update bende HARAM nie..

kini aku kembali semula..

nie sume sbb kne wat assignmet dlm blog..

klu x,,haram lew aku nk update..

hahaha..

nmpak nye,,

lpas nie confirm aku rajin update..

InsyaAllah..

hurm..k.

done for know.

chow cin chow..

Adusss....

haloOo...
siot tol la...
pagi tdi..
bngun je tdo..
aku capai laptop ku..
coz nak wat assignment..
bwat pnyer bwat...
aku t'dlete bnde nyer..
mmg FCUKER ...
fed up nyer psal..
aku trus ttop laptop..
and men game..
hehehehe....

pergh.. . .!!!!!

haloOo..
pergh..
ssah btol blog nie....
pnin pale ku nk wat...
aku rase men game ngan bace komik..
lg snang la..
hehehe..
nseb baek de akk kesygan ku..
leh die tlong..hehe..

Di sinie citer b3rMula. . . .

Ari nie..

09.10.09...

fiz day aku wat bloggin...

akk anGktku yg aja..

hehe...

sape nme die..??

NUR FAIQAH BINTI MISKAT...

tp aku pnggil die Kak Faiq jew..

aku syg kat diew taw..

sbgi adek la..

hehehe...

korG msti knal nye..

kn2..

senanyer..

aku x minat bloggin nie...

tp stlah die wat aku t'sntuh..

ngan citer yg die wat kat blog die..

psal aku..

huhu..

x sngke aku oww..

sO,

mule dri ari nie...

korg akn dgr plak..

citer dri..

aku..

MOHD FARID RAMDZAN BIN YUSNUAR..

a.k.a....

da CASANOVA...

da story is begin.....