Life Began at 30: Some of My History

Alhamdulillaahirobbil'aalameen

After more than 7-years, my study loan with JPA has finally been fully paid. The actual loan was RM39,634.95... but after getting a 75% discount, the amount payable was only RM13,211.65. Really2 appreciate JPA for the discount, as if it were the original amount, memang tak abish2 lagi la sampai sekarang.

Paying actually wasn't that hard, as I had my pay deducted by RM157.00 every month... AUTOMATICALLY!!! Kalau nak harap diri sendiri deduct? Kang adaaa je 'nafs' yang menghalang ye dok? But it was good... as time went by, it became an amount I learned to live without. I think JPA mula2 mintak more than RM157... but as some say... "Janji bayar...Tak kisah berapa..." . So, I just janji-bayar-ed, and true to the saying, mmg JPA tak kacau :D (siap dapat elak blacklist lagi... Alhamdulillaah).

Anywayz... I got the letter today (which can be viewed below). And I think, I might be getting a 'bonus' also. Well, bukan la bonus, actually. UPM and JPA I think don't keep that close a tab on the payment schedule, so most of the time there will be overpaid amounts. In my case however, they were quite efficient... allowing only 2-months of overpay. Still, insyaAllaah, I will be able to reclaim the RM1570.00 X 2-months tu... and can treat it as a RM317.00 bonos... ... ... buleh ke camtu? Takpa... if the nafsu is not strong, then masuk la tabung haji itu amaun... hehehe... Okes... Salamaat

PS:- If only housing repayments and car loans have 75% discounts also :P

This is my first ever kindergarten in Malaysia if memory serves me correctly. Tadika Bidayah :) I still remember the uniform... it was sorta like a round neck yellow shirt, and with somewhat a green looking green round collar. Matching it were short green pants. Used to remember climbing in and out of our rented home in Taman Muhibbah, Jalan Sultanah (Alor Setar) to catch a ride on the school van driven by this very nice Chinese man... forget his name tapi :(

Anywayz, this kindergarten, masa dulu, seemed So So So far from my house. Maybe it's because the van made a few trips, rounding up kids from the whole taman. So it took maybe (I think) approximately 10-15 minutes to reach the school. But after my visit down memory lane... I saw that it was just a 2-5 minute walk from our house! hehehe.... tapi takpe.

This kindergarten by the way, was run by a Cikgu Bidayah (Allaah yarhamah oredi). She was very-very stern but very sweet at the same time. Somehow, I remember her face being similar tu Siti Hasmah, wife of our beloved Tun Mahathir. Hehehe.. maybe its the fesyen rambut kot yg sama. Anywayz... the interesting thing was that, Cikgu Bidayah taught me at the kindergarten, and she also taught my mother when she was in form 6 at Sekolah Menengah Sultanah Asma (or was it Kolej Tunku Abdul Halim... Hmmmmm)! Memang dedicated sungguh ini cikgu :D

Okes... below are some pics :D Assalaam aleykom....