It has been a norm for everyone to own a home. However, just by looking at the price trend of house for sale in Selangor, you might find that owning a home is not as easy as it seems. You might have worked out a plan that will help you secure a loan and as well as paying up the loan, one blocker that deters most of us from owning a house will be the need to paying the 10% downpayment. But fear not, as there are a number of creative ways you can use to save for down payment.

Get Affordable Alternatives

How much do you spend on a daily needs? You can now lower your daily spends by finding affordable alternatives. For example, you can choose to drop the membership at the gym and involve yourself in simple exercise at home like cycling and running among others. This means that you will be able to save more for the down payment.

Apart from this, you can also avoid the expensive cable subscriptions and go for the Netflix or iFlix, though it may not offer you all the programs. This, therefore, doesn’t mean that you won’t be able to follow such programs as you can watch out at a friend’s place or a nearby bar. You may also consider cutting on the amount you spend on your meals. This is by finding an affordable and healthy diet to substitute your diet. Through these simple and creative tips, you will definitely own that house for sale that you have always been longing for and say goodbye to paying rent anymore.

Let Your Hobbies Become Your Side Gigs

What do you love doing during free times? You can be a pro at doing certain simple activities like sewing, graphic design, writing, and playing sports among others. These are some hobbies that you can always turn into your side gigs to make extra cash for your down payment saving. This is because there are a number of individuals out there who are interested in such skills and will be willing to pay some cash for them.

Besides this, you can always go online and look out for the best sites that may hire you to do various errands and households duties for others within your community. There are a number of jobs that you can always do like pet sitting, shopping, assembling furniture, and much more. Through such simple duties, you will be able to earn and save some extra cash. This means that you will easily own the house of your dream. All you need is to be smarter and determined to achieve bigger.

Grow Your Savings

Turning your savings into more savings is another creative saving tip that will enable you to own your dream home soonest. You can easily grow your savings by carefully investing the money. For example, you may consider the mutual funds, certificates of deposit, high-yield savings account, and peer-to-peer lending just to name a few. It is highly advisable that you get a proper advice on the most suitable investment option for your savings in order to avoid certain disappointments. Besides this, you should also carefully weigh the risks of the various investment options based on your timeline.

For individuals you aren’t sure of the right investment option, you may consider the high-yield savings accounts. This is because they are insured by the federal government; hence one of the ultimate conservative choices. Apart from the listed options, you can also find more from friends or financial experts. Such investments will enable you to grow your savings faster than you may expect.

Make it Competitive 

Do you have a friend who also has the same dreams of owning a home just like you? In case you do, then you should take advantage of the situation. This is by having a competitive saving plan with the friend to find out who will hit the goal first. Through having such simple competition, you will never find saving hard, but fun.

On the other hand, the competition doesn’t have to be with a friend or a relative. Once a house for sale is out to the public, there will be many buyers and likely you will be one of them. All you need is to be smarter and say that I have to buy this house within the certain time duration. With such in mind, you will even be able to save more and more. It, therefore, means that before beginning to save for the down payment, you have to set a goal and duration. This is one of the secrets of savings you need to put into place before starting to save.

Reward Yourself

Today, most people are too busy with their work to reward themselves. In order to make life simple and enjoyable, you always need to reward yourself once in a while by doing something you love most. This also applies when it comes to saving for the down payment. You will first need to break down your savings goals into easily manageable chunks that you can afford. For each and every milestone you achieve, it is advisable to get a low-cost reward for yourself. For example, you can go out and do something you cherish like hiking or treating yourself to a dinner. This will always give you more strength to move on with the saving plan; hence you will get the opportunity of being one of the homeowners and forget the stress of landlords.

These are some of the creative ways that you need to practice whenever you think of owning a home. There are a number of houses for sale on the market today and without being smart, you may fail to achieve your target. Saving is known to be kind of tricky, but with the above simple tips, you will find it fun and enjoyable. You should always set your goals right and believe in yourself. For the best saving plan, you need to find more income sources by turning your hobbies into side gigs. You also need to make the saving competitive and within the shortest time possible, you will be able to buy your own home. These are the best and simple tips you need to consider whenever you think of having your own home.

• Tidur Yang Cukup 

• Muhasabah diri bertaubat / bermunajat / berzikir kepada Allah s.w.t

Solat hajat 

Baca Al- Fatihah Untuk Rasulullah S.A.W  

Selawat Fatih 100x 

Baca Bismillah 1000x

Ayat 13 - Surah Mulk - 2012x

•  Ambil tahu jadual peperiksaan anak-anak , doakan sungguh-sungguh 

• Berpuasa dan redha serta ikhlaskan anak-anak menghadapai peperiksaan 

• Duduk bersama-sama anak di kala anak sedang mengulangkaji pelajaran dan bacakan ayat-ayat di bawah

Surah Toha Ayat 1 - 8

Surah Ar-Rahman Ayat 1 - 4

Surah Al-Insyirah  

• Beli penimbang yang baik.

• Letak penimbang di tempat yang sama.

• Waktu untuk menimbang.

• Bila nak timbang?

• Lebih minimal lebih baik.

• Catat!

1. Password kena kuat

• Letak password yang betul2 susah orang nak tahu tapi yang penting korang kenalah ingat hehe.
• Letak huruf and nombor

Contoh salah : abc123
Contoh betul : Along349

2. Make sure no. hp aktif
.
3. Link email kat setting
.
4. Jangan daftar pakai Facebook
.
5. Active kan Two-factor Authentication
.
6. Jangan buat benda negative
.
7. Jangan Follow / Unfollow laju sangat

Kedua , apa benda sekalipun yang kita nak , jangan lupa doa sungguh-sungguh kat Allah , kalau kita kata kita nak jadi baik , setiap hari setiap malam , sambil berjalan , sambil buat kerja doa je ''YaAllah aku betul-betul nak jadi baik , baik dari masa lampau , baik dari hari ke hari , lebih baik dari hari semalam ! doa je Allah itu maha mendengar , kadang-kadang ada benda kita nak barang atau apa-apa pun kita doa sungguh-sungguh , mungkin hari ni , kita tak dapat , hari esok pun kita belum dapat , tapi inshaaAllah lama-lama Allah akan nilai dan hargai ''budak ni tak putus doa kat aku , aku nak tengok sampai bila'' dan satu hari doa itu pasti dimakbulkan juga ~

Sejak kebelakangan ni aku kerap sangat sakit kepala , sakit aku ni bukan tahap parah sampai kena hentak kepala , tapi denyut kat belakang kepala tu buat kan rasa tak selesa , dah sakit ni memang mood pun ke laut , pantang orang bergurau sikit memang nak marah la jawab dia , haaa nampak tak sakit kepala ni kaitkan dengan emosi .

MIGRAIN ? haih aku pun tak tahu migrain  tu sakit dia macamana dan aku pun tak tahu aku ni sebenarnya migrain ke tak , biasa aku buat aku mandi lama-lama bawah pancuran air perghhh lega rasa tapi sekejap je la benda tu tahan kan , cara ke dua pulak aku amek langkah untuk menidurkan diri smpai lebam .. dah tidur memang tak rasa apa-apa la kan .

pantang aku bau rokok , bau busuk , kena panas matahari haaa mula la , sakit kepala datang menyerang , mak datok manja nya seorang manusia yang bernama qaseh dalia ni kan , kena panas pun tak boleh , wahh boleh jadi puteri lilin dah aku , pastu alkisahnya yana ujang ada kongsi petua untuk legakan sakit kepala . katanya cari  EUCALLYPTUS OIL dekat guardian .. so semalam baru aku cari minyak ni , harga dia rm7.20 , so cepat2 aku try .. 

 tadaaa , bau dia best , nasib baik bukan bau minyak cap kapak sebab aku tak suka sgt bau mcm tu , tapi minyak ni bau berangin jugak , sapu kat kepala rasa sejukkk jeee , bukan untuk sakit kepala je , selsema batuk pun boleh .. haaa korang try la kalau tak tahan sangat , so benda ni dah jadi satu barang wajib yang mesti ada dalam beg aku ! tq yana[klik] untuk tips kesihatan ni .

khasiat minyak kayu putih atau bahasa saintifiknya eucallyptus oil

-utk demam selsema /batuk 

palit setitik minyak pada hidung , urut  perlahan-lahan di dada dan belakang dengan minyak ni 

(utk bayi , bancuh dengan air dan minyak bayi , gosok prlhan-lahan di dada dan belakang bayi)

-untuk sesak nafas 

campur minyak secukupnya ke dalam semangkuk air panas yg masih berwap , selubung kepala dgn tuala dan sedut wap ke dlm hidung 

-kembung perut 

sapu pada perut dan urut perlahan -lahan , istimewa utk bayi yang baru lahir apabila di sapu pd pusatnya 

-mandian bayi 

campur  sedikit minyak ni dalam air mandi bayi untuk rasa yang segar , ia dapat meransangkan peredaran darah , menghangatkan badan dan mencegah kesejukan 

-badan yang sejuk 

sapu minyak pada dada dan belakang , kemudian urut perlahan-lahan , bagus untuk wanita yang baru bersalin 

-sengal terseliuh dan lebam2

urut di tempat yang lenguh2 dengan minyak ni , insya Allah kembali pulih 

hati berbicara :

jom try , in shaa Allah dengan izinnya :)

Sejak dua menjak ni aku sibuk berjalan sana , berjalan sini , wahh gaya macam blogger hebat padahal takdo maknonyoo laa , saje mengekor kutip pengalaman , maklum la selama ni macam katak bawah tempurung je , duk ong ong ong gitu je , bukan nak cerita pasal pegi jalan-jalan ke melancong ke ape ke , cuma nak tunjuk name card aku je .. haaa , eh selama ni aku tak pernah berminat pun nak buat name card bagai ni , sape la nak name card blog qasehdalia.com yang hidup segan pemalu ni , tapi  ...atas saranan otai yang berpengalaman suruh buat je name card , nanti jumpa ramai orang rugi la kalau tak kenalkan blog kita , dia nak masuk ke tak ke , suka hati dia la , mana tahu duk boring-boring xde keje dia trbukak hati nak tgk .. haaa 

so bertungkus lumus lah aku survey - survey mana nak tempah name card ni , sebenarnya aku dah ada dah name card , tapi yang gambar britney spears , lepas tu kat atas name card tu pulak , ada kata-kata 'INGAT SUE SELALU'' , kalau bagi yang tu , mau meroyan cik abg syg asyik duk ingat 'sue' dia selalu , haha , name card masa sekolah rendah dulu2 , mesti pernah buat kan ? so akhirnya aku buat jugak lah dengan HAFIZZY AZIZ [klik] 

Assalamualaikum ... 

nok wat lagu mano lah dengan anon2 ni !kdg2 serabut perut weiii baco ayat2 mereka yang kurang kasih sayang tu .. !

masa qaseh mula2 buat blog dulu , ada sorang anon serang ! pehhh bawak senapang cicak je dtg serang ,dia kata ''eh kau ni aku dtg bw kat sini ko buat bodo je ! '' bajet macam hanis zalikha'' ''gedik kaw nih''

lebih kurang begitu lah ayat2 mereka yg kurang susu kasih syg ni .. masa tu qaseh tak kenal agy siapa lah hanis zalikha , apa lah bw tu ! kereta BMW aku kenal lah !! masa dulu bodo2 lagi layankan lah si anon ni siap buat entry mintak mahap ! apa kejadahnya pun tak tahu g mintak maaf kat hanon tu ! almaklum lah masih 'bodo2 lagi dalam dunia blog'' hahaks ...so tips dia sebenarnya senang sajo.....

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korang anggap lah anon ni macam lelaki yang gatal gelebek nyeng ! (bhsa org kelantan ni maknanya gata tahap bahaya) so kalau makin layan makin lah menjadi2 ! hati pun sakit kan ? so kalau ada je ayat2 anon ni tutup mata dulu pastu delete teruhhhh !sonang kan ?haaa ... kalau korang sakit aty gak , korang buat lah entry gedik2 sikit '' cth : tadi kan ai kan baca komen makhluk asing ni , tapi ai  terdlete xsmpat ai nak baca.. ouhhhh '' cth je weh .. korg buat lah ayat ganas2 sikit . hahaks .. apa2 pun cara plg berkesan anggap lah depa2 tu TAK WUJUD ..lama2 senyap lah !

percayalah ~ anon ni nak ajak kita berdansa je , kalau tengok respons kita nak tarik2 perhatian pembaca, touching2 n rasa down lagi lah dia suka .. kalau tak layan n takda respon dari kita , dia blahhh jugak,janji sobarrrrrr !!ingat tu WAT BODO JE TAWWW .. lebiyuuuu <-- tetiba gediks