"Hopefully we can save enough to buy my husband the latest editing machine...so that he can maximise his part-time business as a wedding videographer."

The award will help Noorafizah turn her dream of gaining financial freedom and becoming debt-free into reality.

Noorafizah had requested for standing instruction every month to transfer $100 to her daughter’s account and $100 to their joint account. Both her husband and herself have a deep understanding of the importance to be financially independent and debt-free.

They have been saving consistently from their salaries to clear their personal loan by 2016. They recognise that being debt-free to the first step to achieving other dreams such as owning a house and funding enough education savings for their children.

Continue to read Noorafizah's story in full...

Since we married, my husband and I had a strict budget regarding what to spend and to save because we know that we are trapped in the “rat race”. After our monthly personal loan deduction and car installment, left us with B$2600 every month. This money will also be used to pay our credit cards, to pay utilities, maid and our daughter’s school fees and also not forgetting my responsibility as a daughter to give my parents and my mother-in-law every month.  

Insha’Allah, we will de debt free from our personal loan by 2016 and we can’t wait for that year to come because we realize that we can save $1000 per month from our existing salaries alone. However, we don’t want to wait for that year to come, and it doesn’t stop us to start saving now as we never know what is going to happen in the future.  

Alhamdulillah, realizing the importance of saving for future needs, I request standing instruction every month to transfer $100 from my salary account to my daughter’s account and $100 to our joint account. However, unfortunately last year, we had to withdraw our savings and credit cards because my husband has to accompany his mother to fulfill her dream to perform Hajj. From then we have to start all over again beginning from nothing and again Alhamdulillah although we find hardship after the Hajj, we believe that “rezeki” are everywhere as long as we are thankful and so far we still manage to carry on saving for our daughter future saving.  

To increase our saving, my husband has started to take up part time business as wedding videographer where he can earn $200 - $400 every month depends on demands.  

With this BIBD wish campaign, it motivate us to save our hard earn money in order to clear our credit cards and hopefully we can save enough to  buy my husband the latest editing machine as leverage so that he can maximize his part-time business as a wedding videographer because I believe with his new editing machine, he can gain $1k - $2k a month where with that extra income, Insha’Allah we will be able to save more for ourselves and to prepare enough saving so that we fulfill our dream to be debt free, own a house and prepare enough education saving for our children in the future.