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Author: rikashi

Shopaholic tp org ingat penjimat..puiii

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Post time 12-4-2020 08:16 PM From the mobile phone | Show all posts
umbut replied at 12-4-2020 10:05 AM
Tiap kali dapat gaji... settle hutang penting lepastu terus simpan transfer asb.. pasal asb x leh ke ...

Itu time b4 pkp mmg meollss buat apa yg chuolls ckap ni..tpi time pkp simce hutang2 bertangguh ttbe mood shopping mencanak2 lak lagi2 ble xkeje dduk rumah je ni..huwaaa
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Post time 13-4-2020 03:12 PM From the mobile phone | Show all posts
byk gaji ko ni
simpan 1.5k pastu boleh soping2 lagi

aku suggest ko naikkan simpanan ko
pastu ko stop CC
uninstall apps shoping
buat simpanan auto deduct gaji ko tiap2 bulan masuk caruman sendiri ke kwsp. ni ko sumbat nyk2 sket smpai ko sengkek xde duit nak soping

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Post time 13-4-2020 04:42 PM | Show all posts
rikashi replied at 12-4-2020 10:19 AM
Ringkas dan padat..tp susah betui nak masuk dlm kepala otak aku ni

ASB bole buat SI btw. U bole link terus dgn ur acc.. u set la berapa amount nak deduct..i dah buat. selamat duit sebelum dikerjakan..
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Post time 13-4-2020 05:15 PM From the mobile phone | Show all posts
TT, you shopoholic maybe sebab you ada underlying psychological problem...menurut seorang psikologis, apa2 addiction gambling, substance, relationahip, itu semua adalah manifestasi kepada masalah yang you sedar atau tak sedar...

distraction gitew...

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Post time 13-4-2020 06:21 PM From the mobile phone | Show all posts
TT,

I rasa one of the factor u jadi shopaholic sebab u kerja government, so u rasa hidup u terjamin dan sangat secure macam tu. Kalau u kerja swasta yang tak stabil any time boleh kena buang especially time ekonomi meleset ni mungkin u akan lebih berhati2 untuk berbelanja. U akan lebih fokus untuk menyimpan.

I was once a shopaholic masa bujang dulu. Setiap bulan beli baju baru, setiap 2/3 bulan beli kasut and beg to match baju2 baru. Sama macam u gak, selalu impulse buying. Tapi once I kahwin, priority berubah. Dah pandai set medium, long term goal. Balik umrah lagi xde nafsu nak beli.

Few suggestion untuk kurangkan shopping yg i pernah buat:
1. Unfollow semua online shopping instagram/website bagi jangan keluar kat feed.
2. Implement shopping ban, say for 3 months, lepas tu set fix reward kalau u berjaya.
3. Focus on cost per wear. Contoh kasut, biar beli 1 kasut yg costly tapi berkualiti dan boleh pakai dalam banyak occasion daripada beli bbrp kasut murah  yg hanya boleh match baju /occasion tertentu je.
4. Masih under rule cost per wear, kalau u xpakai tudung/baju yg dibeli lebih dari 10 kali, jangan beli tudung/baju baru. Tak balik modal.
5. Kalau u ada masa, install apps macam combyne. U amik gambar baju2 dalam wardrobe u dan mix and match atau restlye your outfit. Masa tu baru u sedar berapa byk baju/tudung u yg similar and xperlu pon sebenarnya beli baju2 baru. U boleh restyle je baju sedia ada.

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Post time 14-4-2020 12:10 AM From the mobile phone | Show all posts
Shopping online memang buat kita ketagih sis..i pun ketagih beli online tapi benda2 yg i dah tak guna atau pakai i jual preloved..so tak la rasa asyik buang duit sgt..lagi satu kalau shopping beli brand yg org malaysia suka..senang nak jual balik
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Post time 14-4-2020 05:58 PM | Show all posts
bagi aku la
x kisah la ko suka shoping smpi tahap membazir pon
janji ko rasa mampu byr utang segala
aku jns mcm tu
rasa2 ada duit...beli jehh
nti menyesal plk dh xde stok..
lagi ko kemurungan sis
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Post time 15-4-2020 04:39 PM From the mobile phone | Show all posts
kaseh80 replied at 12-4-2020 11:20 AM
Membazir je beli tudung baju dll musim Pkp Ni dalam 6 bulan ni
Takde perhimpunan majlis kawin dan k ...

iols termasuk golongan membazir ni
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Post time 18-4-2020 10:04 PM From the mobile phone | Show all posts
dulu iols mcm tt membeli smpai thp membazir lagi2 lepas kawen mmg gaji iols solely utk diri sendiri. tiap2 hari browse segala benda dari handbag kuali periuk piggan baju tudung gadjet buku novel ehh segala benda la.
then i brenti kerja utk smbg bljr husband bg duit blnje ngam2 je utk makan+minyak+tol. sopim2 brg2 lain hatta skin care pun kene bwk dia.stress. tapi lama2 i jadi sgt berjimat dan blh saving sama byk mcm kerja dulu.
masa ni byk i jual preloved segala designer bag yg rasa mcm xbrp nak pkai smpai la novel2 baju2 habis jual. smpai skrg baju anak i yg xmuat pkai 2/3x pun i jual. beli baru pkai duit hasil preloved.
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Post time 23-4-2020 11:32 PM From the mobile phone | Show all posts
Edited by green~tea at 23-4-2020 11:39 PM

Penyakit shopping neh mmg mudah terjebak and once dah biasa, susah nak stop... i tak reti sgt nak nasihat byk2... sbb i pun once kaki shoping jua... coz i was once married to a hoarder...  now alhamdulillah, recovering dari penyakit shopaholic cuma i still shop sikit2 just to relieve my withdrawal syndrome... tips yg i buat

1. Set target utk savings and wajib diversify, jangan selesa dengan savings at 1-2 retirement funds sahaja... contoh, u set target utk asb1.. then lepas penuh.. asb 2... at same time carum bulan2 jugak kat tabun haji, koperasi, insurance savings, smartcash maybank investment, unit trust, amanah hartanah maybank, PRS online (private retirement mcm epf), bank rakyat ke kalo ada peluang...  banyak option ok utk cash savings...

2. Berkawan la dengan orang2 yg lain outside your circle.. sbb u mention u keje gomen, circle u sume dpt pencen.. so mostly org gomen complacent about their future... orang2 lain keje swasta or sendiri ada kesedaran sikit utk menabung.

3. Try to live humble and simple... kalo dulu beli handbag like everymonth... u beli la setahun sekali je.. avoid hoarding..  buat laa spring cleaning every 6 months or 1 year utk baju2 u... bjla u dah kerap kemas2 spring cleaning, u akan hilang nafsu shopping benda ngarut... set limit on how u find an item as resonable to be purchased...  beli groceries only as per list, byk dah apps buleh install utk list2 brg whatever...  

4. Tinggalkan barang2 skincare or toiletries branded.. you're paying for the water (main ingredient).. drugstore brand is good enough... tp up to you la actually.. mcm i i ok je pakai drugstore skincare and body care.. tp i cannot downgrade handbag i sbb mmg tak suka pakai handbag murah... keje penat2 and usaha savings macam2.... i believe i am entitled to buy one expensive handbag per year as self reward...

5. Takyah byk sgt isntalll apps shopping. Mcm i, i only have lazada... FV, shopee semua tu i takde, semak phone je

I tekankan liquid investment as item 1 sbb kalo u beli aset lain, u susah nak pakai time terdesak.. ok je kalo u nak beli rumah or commercial asset..  tp ni kena study lagi byk ler... sbb kalo salah percaturan, ure stuck with it for 30 yrs..

I myself have learnt my lesson sbb i dulu awal2 keje terus beli tanah lot, tanah kebun, dpt bonus dump terus buat resort (every year dump duit kat sini)... pastu i simpan duit byk kat koperasi kakitangan ofis i in which i takleh keluarkan sampai i quit jadi ahli atau i pencen.. masuj insurance saving, retirement fund.. aemua tu tak liquid AT ALL..   time i bercerai nak kena fight kat mahkamah and i habis RM40k utk settle kes2 yang i file kat court... i terduduk masa tu sbb investment i tak liquid..  mmg keadaan taught me a lesson to live simple
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Post time 24-4-2020 12:06 AM From the mobile phone | Show all posts
Katakan gaji 100%,
40% ke tabung haji
lagi 60% buat bayar sewa rumah bill fon bill credit card duit makan, beli makanan kucing, beli skincare, ubat dan lain2
kalau ada balance dari 60% ni tk salah kan shopping.
kaka tiap2 bulan shopping uols.

utk raya kaka dah ada 3 pasang baju, satu set hbeg dan wallet.

di smping tu salur kepada family members sama. sharing rezeki gaji.

bagi kaka tak slh shopping. after all, gaji kita dpat adalah hasil titik peluh keringat kita. belilah uols.
selagi tak menyusahkan orang lain..
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Post time 29-4-2020 11:30 AM | Show all posts
bloodyamuk replied at 13-4-2020 05:15 PM
TT, you shopoholic maybe sebab you ada underlying psychological problem...menurut seorang psikologis ...

interesting!!!... i nak dig further pasal ni lah....
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Post time 29-4-2020 04:20 PM | Show all posts
maybank tu ada duit kutu. buat la
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Post time 30-4-2020 12:14 AM | Show all posts
I lebih boros bila gaji degree dulu..selalu sangat impulse buying sampai penah zero acc bank i..i was THAT bad..Bila i sambung belajar dan dah dapat master,gaji pun naik..surprisingly, i berbelanja dengan jauhhhhh lebih berhemah..mungkin fobia/kesal coz boros dulu + jiwa muda. Sekarang ni banyak fokus kat saving je..
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Post time 30-4-2020 06:21 PM From the mobile phone | Show all posts
Edited by poison_paradise at 30-4-2020 10:03 PM

Tahun 2020 zaman kegawatan ekonomi..better saving byk skit..

Wpon uols rasa keje gomen menjamin..tp kalo ekonomi tak bagus..jgn terkejut ye elaun atau gaji kene tarik semula..sb pernah berlaku elaun penjawat awan ditarik semula sb kegawatan ekonomi tak silap masa zaman 90s..so jgn pikir secure sgt keje kerajaan neh..
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Post time 2-5-2020 04:11 PM From the mobile phone | Show all posts
Freehair lagi jimat dari bertudung kan?
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Post time 3-5-2020 12:50 PM From the mobile phone | Show all posts
PEPPERMAN replied at 2-5-2020 04:11 PM
Freehair lagi jimat dari bertudung kan?

Lagi mahal... kena maintain rambut terurus... and kepuk2 cantik... color rambut dah rm200+... hair and scalp treatment every 2 months..  styling products lagi...

Kalo bertudung maybe tak perlu amek pakej2 kat atas tu, just maintain hair care kat rumah.. shampoo, conditioner/hair wax, scalp tonic & olive oil utk moisture
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Post time 3-5-2020 02:02 PM From the mobile phone | Show all posts
rikashi replied at 12-4-2020 10:51 AM
Lagi satu aku pun pernah jadi mcm confession of shopaholic tu, sorok kad bank..tp masalah nya aku yg ...

Cara yang paling berkesan ialah kau potong je kad bank tu.
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Post time 3-5-2020 09:58 PM From the mobile phone | Show all posts
Tt aku pun shopholic jgk .. apa yg aku buat utk kurangkan pembaziran ... tiap kali nk beli ... aku akan pastikan brg tu aku mmg tak ada atau hampir habis diguna .. suka mcm mana pun aku takkan beli brg yg sama ...

Cth: aku dah ada foundation A ..aku takkan bli lg jenis yg itu tp aku bli jenis cushion plk ... aku dah ada kasut pump .. aku takkan bli lg kasut yg sama tp aku beli kasut flat plk camtulah ..

Pesal aku rasa nasihat aku nih mcm tak membantu langsung
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Post time 3-5-2020 10:23 PM From the mobile phone | Show all posts
msrosse replied at 3-5-2020 09:58 PM
Tt aku pun shopholic jgk .. apa yg aku buat utk kurangkan pembaziran ... tiap kali nk beli ... aku a ...

Tergelak iols part last tu huhu... Agaknya uols punya rational ialah kalau beli benda yg sama, bazir. So beli la yg lain variasi walaupun item sama. Camtu kot? Huhu
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