hello....morning everyone...!!
jom kita ckp pasal topic simpan duit....i mean saving la...
btw...pernah tak kita tertanya2...how many of us can actually save our money around 3k-5k monthly....using our salary???
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memang ada kat luar sana...tapi saya percaya tak ramai...
biasanya yg boleh saving duit 5k sebulan bila gaji dah cecah RM10-RM15k
and bila gaji nak cecah RM10k - RM15k tu??biasanya kalau kerja swasta paling cepat pun dlm 5 yrs....and kalau kerja kerajaan paling cepat pun 15yrs of working kot...
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itu pun kalau dpt save...sbb selalunya bila gaji dah besar,umur biasanya dah makin meningkat...time tu anak2 dah besar and makin byk nak pakai duit kan...
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so..actually...dengan guna duit gaji yg kita dpt every month..
perbelanjaan dan savings akan jadi limited...
so kat sini kita x boleh nak mengharapkan gaji kita 100% utk kita enjoy life kita and utk menabung utk masa depan....
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Alhamdulillah....skarang ni byk dah anak2 melayu muda yg dah start ada interest utk buat something...utk top up gaji setiap bulan....
ada yg jual tudung....jual kek...jual baju...photography and mcm2 lagi....respect kat dorang sbb ada keinginan dan ada usaha utk dpt hidup yg lebih baik......ada semangat tu yg penting...tapi jgn la buat biz yg x diiktiraf k...bahaya tu eyhhh...heheh....
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btw....some people....dia rasa dia dh cukup dgn apa yg ada..
x perlu nak buat apa....then its ok...
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but for me....mai rasa byk yg mai perlu improve dlm hidup...
kalau nak ikut kan dulu gaji as Engineer kat government sector mai dpt la dalam RM4k sebulan...tapi...out of 4k tu...dalam few hundreds je yg boleh saving....tapi bila kenang2 balik....cukup ke...imagine..kalau save rm300 sebulan...RM300 x 12 bulan x 30 tahun kerja....around RM117,000...kita letak la RM150,000 saving sbb kadang2 dpt bonus and gaji makin naik....tapi cuba fikir balik...itu kalau 30thn kerja and save tanpa keluar kan duit....imagine...sometimes...bila nak raya,mula la nak keluarkan sikit sbb nak pakai lebih...atau bila nak renew roadtax/insurance kereta...atau bila anak nk masuk asrama/university ke.....or apa2 yg emergency....memang kene keluarkan saving sbb takde duit back lain since kita depend 100% kat gaji....
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so cuba timbang2 balik lets say umur 58thn iaitu umur pencen
kita ada saving RM100,000.....cukup tak??
bunyi mcm banyak kan??tapi kene ingat..itu zaman 30thn akan dtg...
which is RM100,000 tu nilai nya maybe akan jadi like Rm10k je kot...
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so...dpt tak kita imagine mcm mana?
if we just sit down and x buat apa2....boleh agak2 tak brapa duit saving yg kita ada nanti....??
actually kalau nak saving byk...kita kene besarkan income kita
gaji kita boss kita yg tentukan brapa kita dpt sebulan...kita x boleh control..terpaksa terima...
so...mcm mana nak besarkan income utk save lebih byk??
disamping gaji...kita buat part time business la...kerja sampingan....
dari situ kita akan dpt save lebih di samping dpt enjoy life kita tanpa tekanan atau tanpa tersekat2 nak beli itu ini....
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saving banyak...shopping pun banyak...
that is financial freedom...;-)
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we need to do something
trust me..!!
"Saving money is an important matter. It is something that you have to do regularly to come up with a considerable amount. With the current trends of the economy and the widespread consumerism, it has to be part of your lifestyle as it is your way to ensure a brighter future."
