Friday, December 28, 2007

Money Matters, Mummy Matters

Alhamdulillah, semalam saya dah buat full settlement personal loan Bank Rakyat. Sebetulnya saya ada sikit masalah dengan loan tu. Tiba-tiba potongan gaji saya stop walhalkan masih ada baki lagi. Bank Rakyat suruh semak dengan bahagian gaji. Bahagian gaji suruh semak dengan Biro Angkasa. Biro Angkasa kata Bank Rakyat suruh buat potongan sampai August 2007 saja. Bank Rakyat pulak kata Biro Angkasa salah input. Habis tu dok tunding sana tunding sini, masalah saya tak selesai jugak. Kebetulannya tinggal lagi 6 bulan aje so saya settlekan sajalah semua. Tak payah pening-pening kepala dengan kerenah diorang nih.

Sementara kat sana tu, saya tengok-tengok jugak rate baru. Eh, for the same loan amount and credit period, kalau ikut rate baru, kurang RM100 dari yang saya bayar. Maknanya jimat RM7,200 tu! Terus teringat satu program 'You Buy We Rent' by Tropical Camel Ranchers. Diorang ada buat kempen di Menara T* baru-baru ni. You buy a cow for RM7,000 and they will do the rest for you. Annually they will give you RM1,500 in return. Kalau lembu tu mati, diorang akan ganti unless kalau mati disebabkan epidemic of disease or banjir. Saya tak pasti full detailnya. Yang saya pasti, saya agak berminat. Anyone knows a lot a bout this or anyone ada join? Boleh share info tak. Nak harap saya pegi jaga lembu tidaklah kan. Maybe I should start dengan sekor. See lah how nanti. Another loan of RM7,000 kot? Sikit je kan tapi saya tak berani nak keluarkan CAPEX banyak sekaligus gitu. Kena spare jugak for time bersalin nanti. We never know what's gonna happen kan. Epidural anyone? Saya tak pernah try. Last time it was RM800 per jab ek? And they say for C-sect nowadays, it can buy you a bomb. Betul ke?

I'll be going back balik kampung esok. My parents merajuk sebab raya tak balik. I have my reasons (Iman was contagiously unwell plus takut banjir naik semula as predicted in the news) but then tau sajalah mak pak kita ni kan. Sensitif. So, kena balik esok before Kakak starts her primary.

Ok, now, the me story now.

I am in my 21st week now but I look like a 6 months pregnant mom. When standing up straight, I can't see my toes anymore. Just b**bs and tummy. Oh, my b***bs still hurt till today. Normal ke? When I squat, I tumble backwards. I waddle and move slowly. Strangely tho, I prefer sleeping on my back with pillows all over as supports, rather on my sides. And Iman seems to have just realized I am carrying someone (or rather something to him). Last week he asked me to lift my shirt to have a look at the bump. He patted rather hard and asked me to dislodge it! Later he (and Kakak) made curious inspection on my belly button (which is almost flat now btw). I am quite casual about that. When the kids want to see my tummy behind the shirt, I show'd them. When Kakak speaks to Little Muhammad, he'd follow suit. When Kakak rubs her hands over my tummy, he does the same. But not when Kakak kisses. He'd just stands away and giggles. Little Muhammad, like always, responds most to Kakak. Kakak even told Little Muhammad how naughty Iman is! I just hope they can be the best of siblings to each other.

Despite my size, I just gained a kg (if the old scale is right) from my pre-pregnancy weight. I lost 3-4kgs during the first 3-4 months. If I take the measurement from where I lost weight, the gain is like 4-5kgs already. See lah what Dr Ashar is going to say. When nearing to duedate while I was with Kakak, Dr Jemilah put me in 'just little carbo' diet. Eat just what you need, she said. No more sebantal roti and 4 boiled eggs, just for breakfast. Yes, I did that. I was an eating machine. By the 7th month, I was bloated and I could eat my meal with a plate placed on my stomach. I did not even need a table. Really. I gained a good 20kg for that and got myself a girl with 3.5kg birthweight. I later shed the gains, much to some people amazement (and irritation as well).

Oh, I need to go to CIMB now to pay for my excess tax. See you all later. Have a nice weekend.

10 comments:

ct said...

ummi, that is really interesting investment. got any website to be refered?
wow, dah 21 wks dah ekk.. how time flies. my baby pun dah nak masuk 3 mths. tapi part saving tu very true. like my case, i dah siap withdraw $3k b4 i delivered and still confident that it will have some balance. little did i know, Allah has another plan to me. pas kena c-sect, both me and my hub gelak je tgk receipt deposit hosp. alhamdulillah ada saving... the bill ended up nearly $7k.

kakak is so sweet... macam my son, die sayang his sister, just that he is quite rough.

ummi said...

ct ~ i tried googling tapi tak jumpa web. the ctc no is 03 2168 8366

address
Suite No 6.05, 6th Floor (North Block)
The Ampwlk, 218 Jln Ampang
50450 KL

kalau tak c-sect pun rasanya kena spare jugak. kalau nml pun mmg dah lebih from what my company covers. plus insyaAllah this is another boy so I plan to circum dia terus before balik.

kakak mmg sweet. pandai ambik hati. tapi bab merajuk pun boleh tahan jugek! panjang muncung dia tu. abahnya kata, panjang2 muncung tu, nanti abah tarik ikat cam riben. lagilah kawan tu melalak!

aida said...

for my hosp tawakal fees:
epidural costs me RM 400
tapi fees hospital RM 4200.. maybe sebab bersalin jam 4 pagi lebih and doktor kena on call

masa fawwaz dulu, doc dah dtg kerja, so fees murah sikit.. RM 3800 gitu

tapi agaknya fees bersalin dah naik, maybe jugak.

ampang puteri mmg mahal! last time my c-sect cost is nearly 6k.. nak pengsan hubby tgk bil

oh, tapi kalau dah biasa kat sana, oklah kan.. and as what you adviced earlier to me kena ada buffer untuk kos bersalin.. :)

ummi said...

aida ~ sbb dah biasa kat situ, maka ke situ jugak lah. mana tak mahalnya, medication and peralatan semua naik harga tapi coverage dok tang tu jugak. definately kena ada buffer.

Farra said...

kak, masa 2nd baby sy amik Epi, costnyer RM8oo, total hospital fees RM3200 amik bilik 1 bedded kat Naluri

Anak 1st kat Ampang Puteri, tak amik ubat tahan sakit + 2 bedded costnyer rm2800

cost skang dah naik, nak free boleg gi Gov spital, tapi kita semua dah dimanja biasa gi swasta :D

yatipruzz said...

apsal tawakal mahal sgt eh?

my SIL ampang puteri no epidural total RM2600..tapi bukan single room kots.

Kaklong Syikin said...

salam,

sedap lak tajuk entri ni :)

saya bersalin kt klinik swasta area gombak ni aje. x de epidural pun. kosnya cuma 1600 aje, itupun rm500 lbh yg kena tu sbb saya ada masuk wad sehari sblm bersalin sbb teruk gastrik n mild contraction.bermalam satu hari pastu keluar. kalau tak tu, bayar RM 1100 aje ttk kos bersalin.

kos bayaran bersalin ni berbeza drp satu hosp. ngan stu hospital yg lainkan

pasal boobs sakit tu, sbb dlm proses nak ada susu tu..biasalah bengkak n sakit.saya pun kena camtu gak. nanti dah nak dekat2 bersalin, biasakan bersih nipple tu, sbbnya ada habuk2 halus yg menutupi lubang2 tu, nanti susu tak keluar sebab lubangnya tertutup. guna kain atau tisu basah utk bersihkan, nanti blh nampak habuk keluar.

ummi said...

farra ~ paling takut nak pi gov hospital. dgr cerita ceriti tak sedap banyak sgt kot.

tgk promo kat APSH pun, normal delivery, 4 bedded dah RM2600. lom lg mintak single room, epidural, induce ke apa ke.

time kakak mmg tak tambah apa2. ye lah time tu pun tahun 2001, dah lama dah.

time iman tambah 1K. walaupun tak ambik painkiller whatsoever (bukan takmo, tapi tak sempat!), sbb kena induce, guna vacuum dan circum dia, tu yang kena top up tu.

ummi said...

yati ~ tu yang 4 bedded tu kot. ward pun boleh tahan fee nya sekarang. kalau ward yang premier tu tak taulah berapa gamaknya..

ummi said...

kaklong ~ thanks for the advice. sekarang pun saya dah start bersihkan tang puting tu.

pasal hosp fee tu mmg ada beza2nya. between one dr to another pun beza2 fee, depending on their so-called professionalism. saya pilih APSH tu, reason terkukuh sbb semua rekod kami anak-beranak ada kat situ. plus, dah biasa dengan gynea + paednya. and sbb company cover some portion. nak harap bayo sendiri sampai 6-7K, adeh...