save money...

monin all..

arini aku nk citer psl saving..

terbace psl guideline to saving money..
pnting tau bab saving2..lg2 tuk kaum laki, kalo nk kawen, msti kene saving awal2..sng nk kawen..tp pmpuan pn kene saving gak..kena laa tlg si dia, kater nk hidup bersama..cewah..hehe
saving ni pn pnting gak kalo kot2 korg ade emergency kan..kalo tetibe ade warehouse sale"opss, tu bkn emergency k"..heheh
mcm2 laa kan, at least kalo family ade emergency, kite ibarat superman sbb leh tlg fmily on the spot, tu pn kalo korg ade saving..haa,nk jd superman x?
sbnrnyee ade byk lg cara2 tuk membykkn dwit tp thiz is the basic saving planning. so, let check it out!!

so, aku nk share ckit tips to saving money..

1.manage ur money..

   cane nk manage nih?..ni seswai tuk org yg daa kawen/ dok sndiri laa kan..korang kutip sume pndapatan dlm sbulan includes gaji n lain2 income. n sume risit2 yg korang dpt pn korang kene catitkan..ni pnting tuk pastikan, ur spend less more than ur earn..kalo korang belanje lebih dr income, maknenye korang ade problem dgn dwit korang tu..dwit ni leh dikategorikan kpd:

• fixed expenses(thing that not change per month)-car/ house payment and insurance.
  
• committed expenses(more on ur commitment burget)-fud, phone bil, transportation, credit card bil.
  
• discretionary expenses(more on entertainment)-soping, medical.

2. bile dpt gaji..

   bile dpt gaji, sume pn nk beli kan..lg2 manusia yg baru start keje..b4 keje, aku daa planning mcm2. ni plak org       yg berkerjaya..aku tak keje lg..so, aku ade elaun jer..hehe..aku pn baru nk start tuk next allowance..kalo korang  dpt gaji, ape kater divide gaji korang tu jd 50-30-20..

   meaning that;

• 50 - fixed n comitted expenses
• 30 - soping n watever u want to buy
• 20 - saving (lg byk lg baek tp depends on individual..hehe)

3. investment..

alang2 korg menyimpan dwit tu, ape kate terus wat investment..tp aku takde knowlegde sgt psl investment ni..yg aku tau, smpan dwit kt asb..haa, ok ape..hjung thn kutip dividen..sbnrnyee byk cara nk investment..korg bace2 laa buku yg berkenaan..hehe..haa, lg 1, jgn try skim cepat kaya..kalo cepat kaya, cepat bangkrapnye..btol tak ?

so, dont ever involve in skim cepat kaya yer kawan2..

4.pkai wallet yg tak leh letak syiling..

haa, ni ok gak sbb kalo dpt syilling,nnt aku smbt sume siling dlm tabung..sbb walet takde space tuk siling..hehe..yg ni lg sng..korg sedia kan tabung ape2, kalo jupe siling jer, trus msok dlm tabung..kalo krg wat keje umah kan/tgh kemas rumh kn, tetibe jupe 50posen kan, tu maknenye upah secara diam2..apa lg, terus sumbt kt tabung..tp kalo was2, korg jgn beli mknn dwit ni..hehe

4. target..

saving jer, mmg biase..tp ape kater kite target..cam aku nk start saving bln ni..so, aku taget dpt saving 300..hakhak..punye laa ckit kan..let say, korg daa target..so, msti korg cam nk capai target korang tu..try yer..exmple:

1bln=100,

12bln=1year=1200,

2thn=2400,

planning aku

aku berumor 24thn..

10-12/2010-3bln=300

2011=1200

2012=1200

2013-2015=3600

dividen asb=10% 

apbila aku berumo 29thn,

total(2015)=RM6300+(630)

               =6930~7000

p/s:amalkan laa saving..tuk mase depan yg cerah..jom, start saving..

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