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Reply #1875 jenglut's post
aku the sun pun tak penah beli..member aku selalu ler kumpul token2 tu..aku harap takde la pulak dia kumpulkan sekali yg kat page 3 tu  |
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Reply #1876 mantan's post
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hahahha..tau plak nko ek.. |
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Reply #1875 jenglut's post
Tapi easy jet dan Ryan air dah murah dah...
Frontier dan Jetblue usa, even domestic lagi mahal..
Dollar usa pon dah makin mahal sekarang.. |
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Reply #1878 kirawang's post
eh bukan ke MYR menunjukkan prestasi yang lebih baik berbanding USD 
sekarang ni GBP pun tgh rendah..dulu 1 paun sama 2 dollar..sekarang dalam 1.4 je kot...euro pun dah dekat nak sama..dulu2 boleh dapat 1.40 euro untuk sepaun..kos bercuti ke luar bagi org kat uk dah mahal berbanding org luar nak dtg sini...tu yg mesian berbondong2 pi soping kat london..masa GBP tinggi pun depa tak heran..ni kan pulak tengah rendah...ada pulak air asia ke london |
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Reply #1877 jenglut's post
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harusler..aku tak penah beli..tapi org sini beli sotkabar lepas baca tinggal je dlm bas ke train ke kedai ke..kalau ada tu baca je |
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pendapat aku ttg CC is, faedahnya lebih banyak dari keburukan.
CC is so safe. kita tak perlu bawak lum sum money yang besar. just bawak CC and we are to go. so, kadar untuk kita hilang duit lebih rendah dari segalanya.
and kalau CC ni, kita akan dpt point. so, boleh guna point tu, untuk waive our annual fees. so, guna CC yang safe tu untuk free. safety for free.
pastikan lepas guna CC tu, terus gi kat online akaun tu, and bayar terus. dgn cara ni, kita dpt tahu baki duit kita di bank. dont over the budget. just stay in line.
wallet pun tak berkepuk2, dengan duit, just isi CC je. lebih ringan and terasa mcm, kalau hilang pun, just call je bank, cancel kan CC, and buat baru. see, kalau duit hilang, boleh ke kita call bank, suruh cancelkan duit kita? cannot right? its really simple and easy. zaman skrg dah banyak berubah. kalau zaman dulu, org kalau guna CC tu, wah, org kaya ni, boleh ada CC. (tapi zaman skrg ni, student pun boleh apply CC). so, sesapa saja boleh memilikinya skrg. its really safe.
last but not least, aku tak kerja kat bank or jadi agen untuk CC ni. aku menggunakannya dalam kehidupan harian aku. and sepanjang penggunaanya, aku track all my expenses dengan statement yg dtg. dengan cara ni, aku dpt tahu, kat mana aku selalu spend my money, and aku try reduce kat bahagian tu, every month. its really works for me.  |
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hmmm cc akan jadik kebaikan kalau orang tuh berdisiplin......hmmm bayo utang tepat pada masanya...ada setengah tuh belanja bukan main sakan lagik tapi utang tak nak bayar... |
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dulu2 aku tak tau pun ade org dlm dunie ni tak byr hutang credit card
naifnye haku jaman tu |
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aku rasa pengalaman dia ni patut dijadikan panduan.....
Just want to share my experience in personal finance management as I believe I've made some mistakes that should be avoided and some good choices that might be useful.
1. Don't rush to buy a car.
One of my first mistakes was to think owning a car costs only the monthly downpayment. It isn't. Petrol, toll, road tax, insurance, maintenance, oil change, accidents, tire change, stolen headlights and a hefty interest rate soon wised me up. I decided to downgrade to a smaller car, which is more affordable and still able to provide a roof over the family on the road. It costs me only 1/3 of what I used to own and whatever extra I had, I put it in the bank.
Mistake:
Bought a bigger that needed 2nd hand car with minimum downpayment and high interest rates over a 7 year period. Regretted it the most, especially when I decided enough was enough and sold it for a smaller car. Next time I buy a car, it would be an affordable new car with at least a 30% downpayment., and when the interest rates are more favourable. I will not fall into the 0 downpayment gimmicks. The interests they charged for your loans is just not worth it.
2. Don't simply buy insurance.
When I started working, a lot of people approached me about insurance. Although I passed on all of them, I couldn't turn away a classmate of mine which was selling life insurance. Trusting him more because I know him, I took the policy after hearing what he said. I didn't ask so many question because I didn't want him to have the impression that I don't trust him. 1 year later, I never hear from him anymore and I received a letter from the insurance company that informed me my agent has been changed to someone else. My ex-classmate has resigned and I never seen him since. Scrutinising the policy after that, I realise it was not what I had expected and I feel cheated in a way. Luckily I only commited RM250 and not more as I felt I could've gotten a better deal like my other colleagues who pushed their agents for the best deals.
Mistake:
Buying insurance from so-so friends to give them face and trusting their every word because of 'friendship'. If I can afford another, I'll shop around for a better deal like I would if I was buying a car stereo, and not submit myself to anymore 'friend friend give face lah' sales gimmick.
3. Don't apply for credit card so soon
When I started working at 17 after SPM, my then supervisor told me he had 7 credit cards. He was not boasting but showing me his mistakes to warn me of the danger of credit cards. He first had 1 card and applied the rest to cover each card as he failed to settle his debts over a 2 year period. Needless to say, he was heavily in debt by the time he got rid of all his cards and applying a loan to settle everything at a lower interest rate. Because of that lesson, I worked for 10 years without ever applying for a credit card. Although I'm qualified for a credit card since I was 19, I never applied for one, and refused the free ones as well. I've seen a few of my friends in debt with the card companies, and vowed never fall into that trap. That's why after 10 years of working and having a healthy savings account, did I dare accept a free card, trusting that I wouldn't abused it. So far just only 2 months since I got it, all are petrol purchases. I even tore off the pin they gave me so I wouldn't have a chance to withdraw money with my card.
4. Don't buy furniture with monthly payments.
My parents has this mentality that buying electrical appliances and furniture with a minimum downpayment and monthly installment is a good way to save money. I learned my lesson when I let them buy a home stereo system from Courts Mammoth. Other than the interest which I had to pay, there was also late charges when I didn't pay on time, collectors charges when I needed the money for something else and skipped payment, and the worse of all, knowingly paying for something that is already spoiled after the warranty period and is not worth repairing. It is really frustrating to go to Courts to pay for something I can't even use anymore and futhermore obsolete.
Mistake:
Buying items for house with monthly payments when I can afford to pay full, and charged interest etc, for it. Worse was I had the stereo to pay, the refrigerator, and the furniture. I told myself never to buy household things with monthly payment schemes and to pay full after saving up for it when making a purchase.
5. Don't save till you starve
I had the habit of taking out my savings to buy things I craved for but not needed like new fancy gadgets and expensive clothings. I did this for the 1st 2 years of work and finally realised that my savings was still less than RM1k. With that realisation I started saving aggressively and even to a point starving myself when I miscalculated my budget for 3 days. I figured I could lived off bread and even traded in my season pass to cash to buy bread and roti kosong until my next paycheck. It was not a smart thing to do and costs me more when I got sick due to gastric. I vowed never to go hungry again as long as I have the means to feed myself.
My savings are now based on psychological benchmarks I set for myself. Every RM1K I saved was my new minimum, and withdrawals must not go below the thousand, eg. RM3075 means I can only remove max of RM75 and not below RM3000.
Mistake:
Starving or risking health is not a means of saving. With all your money saved, who is going to spend it if you are not healthy at the end of the day. |
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NI pun pendapat yg agak bernas khususnya kepada pekerja swasta... or sesiapa yg kejenya mungkin buleh deberhentikan bila2 masa...... kalau keje gover. saranya tak perlu kut.... just sharrinngg
1) If I am making RM3,250 per month, I will NOT be buying and paying a car and a house at the same time. This is the recipe of getting into debt hell and ended up be a bank slave for the rest of your life. You will save NO money and if you lose your job for a while, you will lose your house and car. No, the house price is not going up all the time. You will know this real soon when we are getting into a recession in a few months or a year.
2) Take the 3 years car loan. It will save you a lot of money. It is RM2,796 to be precise. And, if you do not qualify for the house loan, do not buy the house. You cannot afford the house.
3) And, if you do not take my advice, I will be making a lot of money from you since I am share owner of a bank. |
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Balas #1884 pemudabangi
1.car > beli keta ikut kemampuan dan keperluan.better yg baru.mahal monthly jimat maintenance cost.
2.insurance > beli yg ade + saving.yg keje gomen aku rase tak perlu medical card.da ade benefit untuk hospital.
3.apply cc > cc tu adlh jumlah hutang yg perlu dibayar sepenuhnya (bkn seminimum yg mungkin).
4.buy items with monthly paymanet > better kumpul duit dulu setiap bulan da cukup baru baru beli terutama keperluan yg bukan 'wajib' spt set home teater,hi fi,tv lcd baru (latest model),kabinet tv/perhiasan etc..
>just my 2 cents.. |
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hmmm biler takder cc mmg payah sket...at least ada satu pun dah cukup....iena walaupun ada 3 tapi fokus cc maybank jer.... |
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Reply #1888 iena_kindaichi's post
dami ade 2 je,satu utk minyak satu utk shopping
senang nak monitor |
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best jugak membaca pandangan dan saranan forumer mengenai
pengurusan kewangan seharian |
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sy guna cc utk booking flight, minyak, shopping sikit...tp byr bil bayar ful ontimel...dpt gak point...xde kena caj pape.. |
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duit petrol tak penah guna cc...iena bayar cash.....cc cuma guna untuk beli barang dan travel (hotel ngan bayar erl) jer..... |
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Helang ada 2 cc tapi cuma guna satu je... ingat nak divide jugak kegunaan tu - one for petrol, one for shopping. Lagipun dua2 kad boleh bayar online, so takde masalah payment. so far pun memang whatever expenses charged guna cc, once dah masuk dlm online statement, terus bayar. so alhamdulillah takde masalah hutang tertunggak..
Helang nak minta pendapat forumer semua, ingat nak masukkan part savings dalam amanah saham keluaran PNB. Tapi tak sure which one still available. ASB account masih ada ke? Kalau bukak through our bank ( cth, saya ada akaun maybank, so nak buka akaun asb melalui maybank) and buat online transfer setiap bulan boleh ke? |
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Balas #1894 HelangMerah\ catat
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ASB account masih ada.. pi la bukak,i assume you bumiputra kan .. tak boleh online transfer, tapi you boleh buat potongan gaji terus masuk ASB. |
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Category: Belia & Informasi
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Post time 2-3-2009 11:31 PM
