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Author: baby_pingu

Saving: Berapa % daripada income?

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Post time 2-4-2012 12:00 AM | Show all posts
Reply 40# baby_pingu


    mmg saving utk kawen n life after kawen. lagipon umur da makin kertu. kerja plak baru setahun. tu yg terpaksa gegeh menyimpan. teringin gak nak simpan dalam asb. kawan2 yg simpan dalam asb, setahun je dapat beribu2. tapi disebabkan was2, simpan je la dalam tabung haji. tapi yg bgsnya kalo simpan dalam tabung haji, dorang akan tolak siap2 utk zakat. jadi da takyah keluarkan zakat pendapatan.
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Post time 2-4-2012 12:11 AM | Show all posts
Post Last Edit by meritokrasi at 2-4-2012 00:14

tengah muda rumaja, baru kerja, tak-tak-tak-tak-tak pernah terfikir pun nak kibarkan Jalur Gemilang, eh silap, tak-tak-tak-tak-tak pernah terfikir pun nak saving banyak-banyak.... hidup cukup-cukup makan, nanti dah naik gaji baru simpan lebihan (konon) gaji tu....
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 Author| Post time 2-4-2012 08:41 AM | Show all posts
Reply 41# aLieNzDaToR

ehehe..ko pun mcm aku gak kan..gigih nak tambah amount kat TH.


ko keje mana?
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 Author| Post time 2-4-2012 08:42 AM | Show all posts
Reply 42# meritokrasi


    takpa takde saving byk2..saving sikit2 pun dah ok..
yg penting ada saving dari tade langsung..
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Post time 2-4-2012 09:13 AM | Show all posts
Reply 43# baby_pingu


    keje biasa2 je kat bayan lepas


ko plak keje kat mana? pernah baca yg sblm ni ko penah dok vsk. skrg pindah kat area mana plak?
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 Author| Post time 2-4-2012 09:56 AM | Show all posts
Reply 45# aLieNzDaToR


    ye ke kerja biasa2?

aku pindah area2 dekat ngan QB..senang aku nak jenjalan perabis duit
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Post time 2-4-2012 10:07 AM | Show all posts
Reply 31# aLieNzDaToR


jarang juga orang lelaki merekod segala benda yg diorg beli..selalu perempuan yang rajin rekod merekod ni..mesti kau ni seorang yg teliti dan rajin which is good for you...aku dulu ada pernah wat spreadsheet nak rekod perbelanjaan aku ..selalu cuma bertahan sampai first quater of  the month..lepastu malas dah
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Post time 2-4-2012 10:09 AM | Show all posts
Reply 37# system_failure


    encik pingu? baby pingu lelaki ke? erm kena posting banyak banyak la ni? aku tak reti sangat nak posting..most of the time just baca jer orang posting
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Post time 2-4-2012 10:10 AM | Show all posts
Reply 32# aLieNzDaToR


    kau plan nak angkut kereta apa bro? hehe
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Post time 2-4-2012 10:12 AM | Show all posts
Reply 42# meritokrasi


    salah konsep kau ni ..nak tunggu gaji naik baru nak start saving? better u start wat saving sekarang ..start sikit sikit dulu then bila gaji naik so saving u pun u naikkan sikit sikit
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Post time 2-4-2012 10:14 AM | Show all posts
Reply 41# aLieNzDaToR


    ada setengah orang ..diorang akan invest gak dalam ASB ..then once dapat dividen ..diorg akan transfer sekejap simpanan diorang ke tabung haji tuk kerja kerja pembersihan ( bayar zakat)  hehe
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Post time 2-4-2012 11:37 AM | Show all posts
Reply 46# baby_pingu


    kat tempat pingu duduk tu, sewa murah tak? ingat nak cari umah sewa yg murah2 la utk bln depan
ke pingu dok kondo villa emas tu? kalo kondo, tak mampu la pacit
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Post time 2-4-2012 11:40 AM | Show all posts
Reply 47# termignoni


    sebenarnya start merekod ni lepas baca thread apa tah dalam porem ni. dorang suh rekod sume pembelanjaan sbb senang nak kawal duit keluar masuk. disebabkan guna hp yg canggih ckit (android), terus cari app yg bleh rekod2 pembelanjaan ni. nama Expense Manager. Kalo guna app ni, mudah ckit sebab tekan2 je. Kalau nak taip kat spreadsheet, memerlukan semangat kuasa kuda utk nak istiqamah
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Post time 2-4-2012 11:47 AM | Show all posts
Reply 49# termignoni


    plan nak angkat kereta alza. Sebenarnya takde la minat sangat kereta ni sebab takde ciri2 kereta berjiwa muda.
tapi disebabkan memikir jauh ckit nak bekeluarga, terpaksa amek kete besar ckit.

sebabnya, dulu abg aku pakai maibi. bila anak dah 2, kereta dah jadi sempit. pastu beli alza plak. selesa gak la naik kete tu.
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 Author| Post time 2-4-2012 01:39 PM | Show all posts
Reply 52# aLieNzDaToR


    eh eh..aku pun tak mampu kondo emas or gold coast tuh..

ko cari umah sewa murah tuh range berapa? kalo area2 flat aku tuh 550 - 600 camtuh..
3 bedroom 2 bathroom..

sekarang neh sewa byr berapa bulan2? tapi tuh share2 kan? nanti pas kawen takkan nak share reramai lagik, ye tak?
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Post time 2-4-2012 02:06 PM | Show all posts
Reply 55# baby_pingu


    ingat nak cari yg semurah mungkin tapi yg selesa ckit la
macam aritu ada dok survey2 kat internet, kalau area bayan lepas tu, bleh dapat dalam rate rm450.
umah vsk skrg, rm650. skrg ni share2. dok bilik kecik rm200. kalo master, rm250. lps ni, da xleh la kongsi2

baby pingu dok kat apartment mana ye? mana tau leh survey2 lps ni. kadang2 dorang letak iklan kat lif apartment tu. kalo dapat kat area2 sini, dekat nak p keje
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 Author| Post time 2-4-2012 04:33 PM | Show all posts
ramai dah vote
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Post time 2-4-2012 06:52 PM | Show all posts
Reply 57# baby_pingu


    i nak kena kumpul credit banyak mana so that i can vote juga? i punya sekarang 17 .. still tak boleh nak vote
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Post time 2-4-2012 06:54 PM | Show all posts
Reply 54# aLieNzDaToR


    aku pernah naik sekali keta alza officemate..space agak limited gak especially at the back tu..wife-to-be kau tak ada kereta juga ke? dia minah rempit macam kau gak ? hehe
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Post time 2-4-2012 06:57 PM | Show all posts
Reply 53# aLieNzDaToR


    ouh kalau handset canggih ok laa kot sebab ada application.. macam aku bukan into gadget2 ni sangat ..pakai handset biasa2 jer.. just untuk nak main  sms and buat call jer..hehe
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