budget untuk ubahsuai rumah

I tell you, hal-hal nak ubahsuai rumah ni, memang memakan duit! At times like this, I wish I had loads of it supaya boleh buat macam-macam. But, apa kan daya, budget adalah amat limited, maka kena make do dengan apa yang ada.

So, dah 2 quotation yang kami dapat. One tu, cheaper than the other. So, we might go with that one. Tetapi, sungguhpon cheaper, tetap melebihi budget yang ditetapkan.

Anyway, we have decided to buat our house reno according to a few phases memandangkan budget ciput.

Phase 1: Kitchen extension and grill
Phase 2: Plaster ceiling and purchase fan and lights and kitchen sink
Phase 3: Book stove and book kitchen cabinet (to lock harga sebab dari pembacaan blog-blog, bayar deposit je dulu to get the promo price, then bila-bila kita nak boleh install.)
Phase 4: Get curtains
Phase 5: Hot water storage, furniture and water filter
Phase 6: Air cond and exterminator

The 6 phases would be stretched out until next year (atau until cukup duit to complete each phase). As for our lawn, Dr Sunshine plans to do it himself. Dia dah beli pon racun to spray dekat the lawn to kill all the rumput liar dan bushed.

Anyway, memandangkan budget burst for Phase 1, we might have to buat kitchen extension je dulu, and the grill later.

Whatever it is, I am super excited.

Oh, pasal kumpul duit tu, we ol memang ada buka account to put our money for house related purposes. So, each month, we contribute a fixed and equal amount to the account. We only started this in October last year. We plan to continue doing it, even if our reno is completed sebab duit tu nanti boleh lah guna untuk tambah-tambah apa yang patut kan. But as of now, duit tu memang for renovation purposes (oh...and also to bayar cukai pintu and insurans rumah).

InsyaAllah, we plan to withdraw our kwsp to help pay our house installments supaya duit yang dah allocate untuk house installments tu boleh guna pulak untuk bayar renovation stuff.

Tapikan, katalah uols memang dah ada budget untuk bayar renovation, atau pun dah siap buat renovation pon, I rasa elok juga keluarkan duit tu utk bayar house installement supaya dapat kurangkan jumlah interest, which indirectly akan kurangkan the total amount you have to pay. This is how you do it. Even though dah keluarkan epf utk bayar installment, you still continue to bayar every month, macam biasa. That way, you can save a lot on you housing loan interest. My sister and her husband has been doing that (dah 3 kali withdraw from epf) and sekarang dorg tinggal less than 30K je to pay off. And, ni semua dalam masa 10 tahun je uols!


p.s: Dr Sunshine tanya AD, nak lampu macam mana for bilik. Anak mak low maintanence uols! Dia kata nak lampu yang panjang tu, and cahaya yang putih-putih which is, in other words, lampu kalimantang. ihiks.