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Originally posted by shahgti at 28-9-2005 12:38 AM
aku dulu masa mula kerja byk buat major financial mistake. untunglah you all sedar awal2 lagi. zaman you all start keja buku Azizi Ali pun diterbitkan. masa aku dulu bukannya tak ada buku sel ...
Banyak cara nak control our budget ni... Yang paling penting ialah DISIPLIN and GOAL... Apa cara sekali pun samada pakai sampul, budget dsbnya tak bermakna apa2 kalau kita just hangat2 tah* ayam jek... Ada orang cakap jgn pakai credit card, but to me u must understand what is the purpose and function of credit card... kalau kita fikirkan betul2, we can make extra money by using credit card... contohnyer, kita bayar bill pakai credit card kita dapat 3 kelebihan -
1. credit 21 days - u can roll this money for 21 days... investment is about time and money.. u have it both here..
2. points - we gets point when we use our cards and can xchange with merchandise.. for free. If u use your cards a lot, u can just call your bank and ask for annual fee waiver... i dont pay a single cent for my annual fee..
3. rating - pay your card on time... your rating with the bank will increase coz they have your records... so kalu kita nak buat loan, etc.. a bit ease..
Apa yang cuba saya sampaikan ialah apap pun cara yang kita buat, DISIPLIN paling penting... Set youl GOAL and go all out to achieve it... U shouls have a short, medium and long term planning. U should chart your own future but as they say.. kita merancang, Allah tentukan... but KITA mesti merancang... I follow DUIT styles... Doa, Usaha, Istiqamah, Tawakkal... all 4 are there and just nicely in sequences... DUIT.. |
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pearl_eye This user has been deleted
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Sistem sampul ni saya penah dgr dr mak saya. she said one of my cousin guna sistem ni, tp lain sket la dr mr shah kita. my cousin ni kongsi beli kereta with her dad n sister. so bayaran bulanan n road tax semua diorang divide. jadi my cousin ni tiap bulan bila dpt gaji she will put aside part of her salary for road tax, insurance and car maintenance. jadi bila sampai hujung tahun or bila nak pakai duit utk maintenance kereta, she already have the money. tak payah korek2 duit gaji or ikat perut.
rasanye cara ni bagus utk perbelanjaan yg datang setahun/setengah tahun sekali mcm cukai pintu, cukai tanah, duit baju n buku anak2, or even utk hari raya. takde la nanti bila sampai masa nak bayar benda2 ni, kita terpaksa korbankan duit simpanan utk bayar. and takde la mengganggu financial planning kita. maybe setengah org akan guna duit bonus n such. saya tak tau sbb blum pernah terima bonus lg. yg kalau dpt bonus sampai 6 bulan gaji tu mmg syok habis la 
aa ckp tentang bonus ni. ape korang buat dgn duit bonus? or ayat yg lg sesuai, ape yg patut kita buat dgn duit bonus? simpan semua? beli benda yg kita nak secara cash (setelah menahan diri dr beli cara hutang i.e : new sofa set, electrical appliance, upgrade kereta). ataupon simpan dlm % yg sama n the rest tu belanja.
btw, betul la MACD, saya lupa pasal duit kuih raya =)
maybe akan allocate duit mkn tu utk duit beli barang buat kuih raya. insya allah takkan terlarat saya nak pegi beli kuih/makanan kat pasar ramadan, saya ni jenis yg shoot terus balik rumah n malas nak keluar2, lg pon mak dah ade masak kat rumah kan. duit baju raya dah asing siap2 bulan ni. duit raya pakai gaji bulan depan. bagi kat mak dlm 200 ke suruh dia add up dlm sampul dia. tak larat la nak kasi asing2. kecuali for adik beradik n nenek2 sedara yg rapat.
one advice from my cousin (kakak kepada cousin di atas), tak payah susah2 kasi duit raya asing2 pada adik2 sedara, bagi duit kat mak je suruh dia bagi sekali. sbb ape? sbb later on bile dah byk lg commitment, terasa berat plak duit raya tu  start bagi asing bile dah kawin. just kasi asing pd adik beradik sendiri or org2 yg rapat.
5% for educational purposes. betul gak tu. i'm thinking to take mandrin class. ade sape2 tau tak mana tpt yg bagus? n for this month..saya dah put an order (online) for 2 azizi ali's books. rm 59 for malay version of Jutawan dari Planet Jupiter! and Lahirnya Seorang Jutawan. jimat rm20. beli yg BM so that later on my sister pon bole baca. |
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Originally posted by pearl_eye at 28-9-2005 11:02 AM
Sistem sampul ni saya penah dgr dr mak saya. she said one of my cousin guna sistem ni, tp lain sket la dr mr shah kita. my cousin ni kongsi beli kereta with her dad n sister. so bayaran bulanan n r ...
duit bonus? my advice, kalau ada utang credit card better use that money utk buat full settlement. utk i, every year i guna duit tu utk gi travel oversea. since i dah buat fix monthly saving more than 10%. so duit bonus tu consider extra yg i dapat. dlm byk2 hobi, hobi backpack ni yg i tak boleh nak stop. early this year I gi backpack to UK/france dg duit bonus tu. next year insyaAllah gi Bali & Istanbul. more to our own preference & choice. |
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Originally posted by shahgti at 28-9-2005 11:25 AM
duit bonus? my advice, kalau ada utang credit card better use that money utk buat full settlement. utk i, every year i guna duit tu utk gi travel oversea. since i dah buat fix monthly saving mo ...
Shah,
u biasa gi back-pack ngan saper, ramai ke?... leh joint ker... sound interesting.. |
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[quote]Originally posted by shahgti at 28-9-2005 12:38 AM
Tiap kali dapat gaji mesti dikeluarkan semua sekali gus dan asingkan dlm sampul. jangan sesekali biar duit gaji duduk dlm wallet, for sure secara diluar sedar kita akan terbelanja, dan lepas tu purak-purak heran duit cepat habis.
haha!
i suka yang purak2 heran tu
pasal i selalu cam gitu.
i dah guna teknik sampul nih - tetapi ada kadangkala perbelanjaan yang tak boleh nak disangkal.especialliy melibatkan family :-
famili datang takkan buat donno aje - kena la beli apa2 yang patut.
mak mintak tolong belikan apa-apa -takkan nak mintak duit plak.
adik mintak kirim duit kat U - takkan nak buat bodo aje..
tu la kengkadang i 'terpaksa' pinjam duit dpd sampul lain :-(
siapa ada cara nak mengatasi masalah seperti di atas - kongsi-kongsi la yek :-) |
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Originally posted by Andak at 28-9-2005 11:41 AM
Shah,
u biasa gi back-pack ngan saper, ramai ke?... leh joint ker... sound interesting..
boleh. no problem. aku gi backpack normally tak lebih dari 2 orang. sebab kalau ramai2 nanti jadi lain. sorang2 pun aku pegi jugak. aku lebih suka gi backpack style sebab bebas nak pegi mana pun. kalau ikut vacation package kita terikat dgn jadual & keduanya travel agent ambik margin untung berlebih2 sangat. eh...silap forum kalau aku sembang benda ni kat sini. why not jenguk2 forum cari Travel & Sports. |
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assalamualaikum sume...
to shahgti, my husband pon sebijik perangai mcm u dulu2 tu..mmg kitorang baru tukar kete sbb dulu dia beli staria...pastu x sesuai pulak bila dah ade baby....skang ni beli waja tapi still nk modify walaupon tahap kewangan takla mengizinkan sgt... i dah tak tau nk nasihat dia macamana lagik...i beli buku azizi ali & suh dia baca pon dia tanak.. my God... :pray: please help me!
Sorry off topic jap! :cak: |
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Originally posted by shahgti at 28-9-2005 12:05 PM
boleh. no problem. aku gi backpack normally tak lebih dari 2 orang. sebab kalau ramai2 nanti jadi lain. sorang2 pun aku pegi jugak. aku lebih suka gi backpack style sebab bebas nak pegi mana pu ...
thanks shah,
memanglah sini silap forum. Aku tak jumpa pasal back packing kat sana, tu aku tanyer... pepun, nanti aku pm kau jek.. |
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Originally posted by farisha at 28-9-2005 01:06 PM
assalamualaikum sume...
to shahgti, my husband pon sebijik perangai mcm u dulu2 tu..mmg kitorang baru tukar kete sbb dulu dia beli staria...pastu x sesuai pulak bila dah ade baby....skang ni bel ...
berdoa jer lah. |
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Originally posted by farisha at 28-9-2005 01:06 PM
assalamualaikum sume...
to shahgti, my husband pon sebijik perangai mcm u dulu2 tu..mmg kitorang baru tukar kete sbb dulu dia beli staria...pastu x sesuai pulak bila dah ade baby....skang ni bel ...
wsalam...
Betul cam shah ckp, berdoa je lah agar dia berubah... bukan sumer org leh buat cam saranan Azizi Ali tu... depends how we live life... sumer org punyai pandangan n citarasa yang berlainan.. thats why Millionares Are From Different Planet.. |
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yup...thanks andak & shah gti... memang hari2 berdoa...
to make things balance... i ajak dia beli umah..so now dah ade 2 bijik umah..sebijik dah siap - sewakan & satu lagik siap thn depan..insyaAllah....so maybe dpt balancekan balik kerugian kitorang dekat kereta...hopefully... :pray: |
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Originally posted by Andak at 28-9-2005 08:14 AM
Sany,
Of course thats speculating, anything we dont know, we speculate... but better be carefull, in case its come back... if it doesn't, then its good for everybody... but as they say, anything ...
Boleh gak tu.. I selalu dengar pasal Azizi ni.. cuma I have never approached his method.. how much workshop tu? Kalau berpadanan dgn my budget.. apa salahnya...
Sany |
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Sany,
Gi lah kat lamanweb dia... kat education/knowledge ni pun kt kena invest gak kan.. |
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Originally posted by Andak at 28-9-2005 02:43 PM
Sany,
Gi lah kat lamanweb dia... kat education/knowledge ni pun kt kena invest gak kan..
Andak,
Cool!...I can't say no more.. that is why I like about you...are wi still friends? Dulu.. kini. dan selamanya?
Sany |
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Originally posted by sany48 at 28-9-2005 03:01 PM
Andak,
Cool!...I can't say no more.. that is why I like about you...are wi still friends? Dulu.. kini. dan selamanya?
Sany
Hehe... we are friend.... at least in this portal world.. i got yr no... i will call u k soon, insyallah... |
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pearl_eye This user has been deleted
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Reply #425 yays's post
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saya rasa kalau yays selalu ade perbelanjaan extra..maybe bole letak sikit duit dlm satu lg sampul yg namanye MISC. mmg kena tarik sikit la dr mana2 sampul yg lain tiap bulan..let say rm50 ke sebulan. dgn kalau yays mmg ade adik kat U yg agak2 dlm 3 4 bulan sekali akan mintak duit. pun sama, asingkan sikit2 utk dia. rm50 sebulan jugak ke. kalau bulan tu dia tak mintak, yays simpan je la..mana tau bulan ke 3 yays menyimpan dia mintak pulak, so dah sedia ade rm150. tp tu la mmg kena berkorban sket, kena kurangkan bajet dlm sampul2 lain tiap bulan. |
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Originally posted by farisha at 28-9-2005 02:21 PM
yup...thanks andak & shah gti... memang hari2 berdoa...
to make things balance... i ajak dia beli umah..so now dah ade 2 bijik umah..sebijik dah siap - sewakan & satu lagik siap thn depan. ...
Ok gak tu... perlahan-lahanlah masuk jarum... tp kalu wat investment umah tu pun biar kena cara dan untung.. u have to protect yr base (more saving) and make more investment... itu cara nak capai Financial Freedom... Kalau pelaboran banyak, wang keluar pun banyak... kata orang pi mai pi mai tang tu gak... my opinion only k.. |
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Originally posted by Andak at 28-9-2005 03:32 PM
Hehe... we are friend.... at least in this portal world.. i got yr no... i will call u k soon, insyallah...
Okie Dokie...I feel good!!!!!!!! If you insist... I can call you too.. so that we can be really friends for real..
Sany |
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understood andak.. & thanks for ur opinion... :cak: |
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sapa pernah dengar pinjaman wang asb yang bumiputra commerce buat tu ?
kita pinjam duit , pastu masukkan dalam ASB . then kita kena bayar evermonth tapi dividen and bonus kita yang dapat ..
halal ke cara ni ? |
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Category: Belia & Informasi
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Post time 28-9-2005 08:37 AM
