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sy suka baca sitisitu25 experience..dulu sy silent reader..from baca experience awak, slowly, sy pon start kumpul2 harta sendiri sebagai bekalan even x kawen lg..thanks for shring..hehe..
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org kalu beli rumah umur 40an above biasanyer diorg buat loan kejap jer, maybe less than 10 years...takpun byr cash jer.
my SIL baru beli umah sendiri, she's in her early 50's she bayar cash jer. Seblum nie takde keperluan utk dia beli umah atas nama sendiri.
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sitisitu25 replied at 2-1-2019 12:14 AM
ramai je yg beli umah ms 40 or close to that age..tgk gaji, edu background and epf balance or apa2 ...
Besar tu gaji u dah ada 200k dalam EPF after 14 years of working  definitely not the average Malaysian salary la |
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moonbug replied at 2-1-2019 04:34 PM
Besar tu gaji u dah ada 200k dalam EPF after 14 years of working definitely not the average Mal ...
jgn la duk kat average..hehe..i selalu je msuk jobstreet tgk average gaji utk bidang i n exp i supposed byk mana dah..duk sembang dgn kwn2 i gak psl gaji..
and paling senang..i compare dgn kwn2 keje gomen..klu w41 sekian2 years of exp ptt byk mana gaji? so i tgk la kalau i below sgt dgn derang i akan kejar (jump keje)..
last year i stay dgn co smpi 6thn mmg gaji i below par..40% below..so apa i buat? 2x jump keje last yr..hehe..skrg br dpt average salary utk bidang n years of exp i..br la i bersyukur dgn apa yg ada..ni konsep bersyukur pd i kot..penting kot duk dlm circle kwn2 yg mcmmana..supaya kita sntiasa improve..honestly..i mmg pilih kwn..sb i nk sentiasa improve.. |
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Trust me semua org selalu Rasa gaji x cukup but juz ignore d feelings...buat biasa...
Kalau x cukup pun ur still hv to live selagi masih diberi nyawa
Juz accept the facts ada masa kita akan Rasa susah bila duit dlm bank pun hampir tiada tapi still boleh bergerak sana dan sini
Sesungguhya Allah yg mencukupkan insyallah kena yakin selalu ...
Allah Bantu ok! |
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sitisitu25 replied at 2-1-2019 06:29 PM
jgn la duk kat average..hehe..i selalu je msuk jobstreet tgk average gaji utk bidang i n exp i sup ...
Good sharing. I suka baca pengalaman orang pasal career and financial management. I perasan u selalu cerita pasal benda ni. Keep on sharing 
What are your thoughts on ASB loan yang orang dok buat untuk kembangkan savings tu? Just curious |
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ni sy selalu buat..sampai satu tahap dh target gaji must get berapa2 sebelum umur2 berapa2..lucky dpt jugak..tp yg pasti skrg ni cari environment yg ok, keje less stress..xmau keje workholic mcm dulu..mn nk dpt ntah keje mcm nie..hahaha
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mesti da cecah umur 30an ni..sb tu da malas nk sprint  ..i dulu ms kat co yg lama duk 6thn mcm ni..malas nk keje teruk2 namatey tp gaji rendah je..kalau nk keje relax2 cr la co yg proportion race 4:3:3, 4 : malay..confirm keje relax namatey tp gaji xbyk mana la..tp keje mmg ala2 gomen namapus..i ms mula2 masuk co skrg culture shock..bukan culture shock apa..culture shock sb semua org relax2 je..tp lama2 ok je..siap rs nk beranak lg lah..sb too relax 
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aah dh cecah umur 30 an..this year 34.. sebab dulu muda2 dh jump sana sini..mmg dulu berkorban sebab target gaji n flexible time tuk sambung belajar..bila dh dpt semua ni, rasa nk keje yg rilex2 plak..nk downgred gaji skrg ni rasa mcm x sanggup cz komitment byk even single..haha..ni tgh survey2 nk sambung study lg klau gamak2 busan dgn keje nie..
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sb i org akaun kot u..org akaun i rs mostly fussy bab duit...kwn2 i pun tgk sama je perangai ..i rs annoying dgn org x pk panjang bab duit sb i pnh susah di sbkan org lain (ex suami)..i punya la penat smbg study, ikat perut beli umah ms usia muda n i dulu bukan jenis jolly2 merata..every penny is matter to me..sekali dtg ex laki taguna tu..abis segala usaha i dulu2..tu i mmg berhati2 dgn duit i..sb i jenis sila prepare for worst..kalau bnda nk jd jugak..it's ok, at least i jatuh terduduk je, x jatuh tersembam..
or maybe gak i jd mcm ni sb i dr dulu mmg hidup di kelilingi org2 tua..even my kakak n abg2 pun tua2..abg sulung i umur 52thn and kakak atas i umur 42 yo..so what do you expect kan? i dr kecik mmg da biasa dgn org2 yg double2 tua dr i..ms i smbg degree pun i xmsuk full time dgn kwn2 sebaya..i smbg degree secara part time, after working hours dgn akak2 n abg2 yg smbg degree sb nk naik pangkat..yg confirm2 la lepas abis dgree terus masuk managerial level..yg da umur 30s & 40s time tu..even my bff ms zmn study dulu pun now da umur 50an pun ada..so maybe i lucky kat situ sb i punya circle of friends and adik beradik dr org2 yg da berumur byk pengalaman hidup..
bab asb loan tu..i xada asb loan tu..i simpan asb pakai duit sdiri je..tolak dr gaji tiap2 bln..i xgemar investment selain umah..maybe bkn ms nya..umur 40an time htg byk da kurang..time tu br invest merata kot..skrg ms utk beli umah, kete, anak2 n then setelkan htg..dulu ex pakmer ckp umur muda2 ni jgn duk pk bab invest2 dulu..kang kalau x utg meroyan..nk invest2 nnt la bila anak2 da besar, kurang komitmen htg keta umah pun da nk abis baya..br la start invest mana2..either asb or mana2 saham co..sb that time, kalau tetiba investment tu tgh rugi..kita x terasa sgt..sb time tu komitmen da x tggi..
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Edited by midori888 at 7-1-2019 04:39 PM
Gaji nie semua rezeki, some ppl job title memang gah....manager bagai tapi salary ciput...some position biasa jer, tapi salary lagi besar dari manager....
I opt for lower position but high pay....higher position, more responsibility....tak kuasa...
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Setuju dengan you pasal, gaji nie rezeki masing2.
Bagi ai walaupun skrg nie gaji ai dikira underpaid untuk professional TAPI bersyukur sangat sebab ai suka company nie. Colleagues best, boss best, keje ade masa relax ade masa sibuk, flexi hours, organize macam2 activities, opis ke rumah 10km, takde tol AND ai rasa cam nak pencen kat company nie je walaupun ai akan pencen lagi 20 tahun.
BUT bila memikirkan our future is uncertainty, ai rasa kite kena ready macam2 bende which means dari segi kewangan. Contoh, VSS. Kalo tak start saving 6 bulan gaji dari sekarang, ai taktau camana ai nak hadapi nye nanti.
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kalu masih muda, and underpaid plak tu, IMHO u should open your option. Bukan kat company skrg jer ada colleagues dan boss yg baik. Mana tau tempat lain lagi better. Lagi satu kalu nak tukar kerja, kena tgk jugak perks company baru camner.
Psl savings tu memang betul, one must have savings. My frens ramai dpt VSS, some after few months dah dpt kerja lain walau umur dah lebih 55. Some mmg nak pencen. Semua nie rezeki masing2.
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Dalam masa 10 tahun ai bekerja dalam sektor yang sama, this company is my 4th company dan paling lama ai bertahan which is 5 years. Sebab ciri2 yang ai stated previous comments. Among the four companies, this company yang bagi flexi hours. Maksudnye you need to be in the office 20 hours per week je. Disebabkan kelebihan ini, ai boleh sambung belajar. Macam sitisitu kata, perempuan mmg kena ade good academic and property.
Tapi itu la, kite taktau sampai bile service kite akan dihargai kan? So, start this year kena start simpan duit sikit2.
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wish all the best to you dear.....
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jangn lupe, kawal tu nisbah debt to income, jgn terlalu tinggi...jika tak, padah jadinyaa
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yg untung ny awk ddk dgn fmly , so awk xpayah bayar sewa rumah,, syukur la dgn rzki yg ada.. if nk duit lebih mbye boleh partime
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Jika anda ingin membuat PINJAMAN PERIBADI tanpa deposit / pendahuluan.
Boleh hubungi saya sekarang dan semakkan kelayakan adalah PERCUMA !!!
Boleh selesaikan pembayaran lain yang tak cukup.
bayaran loan ikut kemampuan sendiri berapa tiap2 bulan mampu.
Syarat memohon:
-Gaji mestilah masuk Bank (auto kredit)
-Mempuyai slip gaji MINIMUM 1 BULAN
-Gaji bersih MINIMUM RM500
Boleh Klik Link Wasap
http://www.wasap.my/+60183753799/SayaBerminatNakBuatLoan
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Category: Cinta & Perhubungan
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Post time 2-1-2019 10:13 AM
