Simpanan Wang

Calla lily

Originally posted by MamaAlya at 2005-3-29 11:31 AM:
haa....baru ada masa sikit nak update....

simpanan is OK, a must but can be in various forms. In my case, within a year dapat keje, terus beli rumah. Nampaknya ada jugak members here yg along th ...

thanks mam kongsi experience beli rumah. insyaAllah rumah calla akan siap bulan 5-6 tahun nie dan plan nak sewakan orang. bende basic yg calla plan nak letak is gril dan lampu kipas jer. ada bende lain need to consider ker ? katalah calla plan nak pasang hot water dan air-cond for the master bedroom, boleh naikkan sewa tinggi sikit lagikan ? ok tak cadangan tuh ? ker membazir ?

keraklak

kalau lonely_surina nak tahu...saya memang suka sangat catat apa yang saya belanjakan ...dari sekolah sampailah sekarang. dulu masa bercinta, duit tepon pun saya masukkan dalam perbelanjaan saya. contohnya

baki di tangan : rm50.00

tepon XX : 0.20
tepon mak : 0.50
makan tghari :1.50
tambang bas (pergi) :1.00 (sebab balik bf ambik)

baki pada masa sekrg(tarikh, masa) : XX.XX

tu masa sekolah la.... bila dah keje....memang dah tetapkan dah tiap2 bulan mesti rm400 utk mak + abah dan rm500 utk asb dan rm603.00 utk kereta.tiap2 hari mesti buat kira2 wang tunai sebelum tidur , amalan tu sampailah kawin. hubby saya pun pening tengok saya.... satu sen tu, mesti saya nak tahu gie mana...

lepas tu....kira balik berapa kita dah belanja untuk setakat tarikh tu....kalau banyak, saya tulis kat buku ... "keraklak, awak nie suka membazir, kena jimat skit".

dan saya selalu elak benda2 yang tak perlu .contohnya HP (masa kat u), kredit kad, walaupun saya dah gatal sangat nak pakai kredit kad...sampai org maybank pujuk2 pun saya tak nak. dapat offer, terus gie bank , gunting kad tu...
saya suka pastikan bank tak ambik kesempatan kat saya (interest la, dll)

kalau saya tak simpan duit tu dalam asb, saya akan pastikan duit tu digunakan utk benda2 berharga contoh ...tahun lepas , saya tak simpan sebab saya kena bayar yuran u. untuk adik saya (dia akan bayar balik....hehehehe).

lagi satu , kat opis saya ...semuanya cina....mereka simpan sebulan sampai rm1k ... tu yang bagi semangat kan saya. mereka boleh, asal saya tak boleh.

tapi kekadang rasa macam jadi hamba duit pulak... hehehehe :D . duit satu sen, pun saya kutip, kalau saya jumpa...

MamaAlya

win - kita hanya merancang...korner sana korner sini, tapi tuhan jugak yang menentukan.

I don't have any special tips - just sharing my experience. But mostly what EUS said is TRUE.

Simple je - kalau jumlah yang kita spend (loan, maintenance, renovation, etc - yg indirect jangan lupa - cost travel pi keje) utk rumah tu lebih dari apa yg kita boleh terima (andainya kita sewakan) - dah jadi liability le tu. Part ni yang kite selalu tak nampak - especially bila kita sendiri yg duduk kat rumah tu.   

1. kalau ambik loan banyak (>95% of price or value of RM100k above) - memang risky sebab we never know interest rate naik turun. Unless Islamic loan - but then, monthly payment memang mahal le kan.

Bila above RM100k, memang rasa lama nak bayar loan tu - bertahun bayar tapi tak susut-susut jugak. Those who studied economics taulah - graph interest rate tu bentuk suku bulatan - dah nak hujung-hujung loan period barulah nampak principal loan tu berkurangan. Bila kita nak ambik loan rumah selalunya kita ambik max amount, min monthly payment and max tenure - itu yang sepatutnya dielakkan. We should be aiming for max monthly payment (setakat yg mampu) and shorten the loan period - downpayment sepatutnya sebanyak mungkin.

but then - kalau tak loan sampai bila takde rumah kan? Konon nak buat harta pusaka utk anak cucu...that's why, kalau nak buat investment (NOTE: investment maknanya kita ada duit lebih yg tak guna), untung kalau beli flat or rumah kos rendah - then sewakan. Yelah - beli rumah murah, loan sikit & tak lama, duit sewa memang boleh cover loan. Location paling penting.

Kalau setakat beli rumah teres or apartment dengan loan yang banyak - susah sikit nak recover - imaginelah - kita bayar loan RM800, sewa dlm RM800 jugak - secara kasar memang balik modal tapi kos-kos lain? Cukai pintu, maintenance rumah (eg: cat semula lepas org sewa) repair rumah - dah lebih dari apa yg kita dapat sebenarnya.

apa-apa pun win, kalau nak beli rumah tu, belilah - cuma, make sure ada emergency fund. You never know ada je bende nak kena bayar utk rumah tu nanti.

MamaAlya

Originally posted by Calla lily at 29-3-2005 16:58:


thanks mam kongsi experience beli rumah. insyaAllah rumah calla akan siap bulan 5-6 tahun nie dan plan nak sewakan orang. bende basic yg calla plan nak letak is gril dan lampu kipas jer. ada be ...

calla - depends on jenis org yang nak menyewa nanti. Kalau yg upscale sikit, yes dia orang akan sanggup bayar for those additional things. Kalau jenis student, kerje kilang, or plan duduk ramai-ramai - memang tak berbaloi.

you also have to remember - bende letrik ni mudah rosak. Sapa nak tanggung cost repair nanti? One way is to get deposit - again, berapa banyak deposit yg you boleh mintak? dahlah normally 2+1 rent, utilities lagi.

Lagi satu, kalau nak rent, make sure ada agreement. Atleast adalah jugak something walaupun people can do anything - kalau dah niat jahat, jahat jugak. Karang dibawak lari semua kipas, aircond, lampu - tak ke naya? nasib baik grill tu lekat, kalau tak sure kena cabut jugak... manusia, manusia....

adik_nazgul

:: nasihat paling berharga yg diberikan oleh makcik saya ialah, selepas kerja dan ada duit, aset yg pertama wajib beli ialah rumah... yep rumah... kenapa? anda semua tahu kenapa kan... itulah aset paling berharga sekali...  ramai anak mudi sekarang target beli kereta selepas ada duit sikit/ alam pekerjaan... tak salah... cuma itu lah nasihat aunty saya kepada saya...

:: dan saya berkata : setuju....

lonely_surina

nasihat yg selalu su bg untuk diri sendiri adalah 'perlu atau nak?'.....;)

ahmad_albab

Originally posted by Eus at 29-3-2005 12:51 PM:



Cool...


As far as buying house is concern, there are times when you actually bought an asset, and there are time when you actually bought a liability.


How do you know which one is w ...

Sgt setuju ngan Eus and MamaAlya.....
Beli rumah memang boleh jadi asset and boleh jadi liabiliti..... apa yg Eus tulis tu explained everything..... I just nak bagi pandangan.... for me, pembelian rumah ni ada 2 jenis.... samada utk tinggal atau utk invest..... kedua dua jenis pembelian diatas strateginya berlainan....

Utk investment mcm Eus katakan tu adalah betul..... actually ramai yg buat mistake dlm property investment ni..... ada yg menyangka mereka membeli asset but actually mereka tidak..... instead mereka tambah liabiliti..... Utk mendalami topic ni, forumers bolehlah rujuk buku "How to become a property millionaire-Azizi Ali" and "Property Jewel- Renesial Leong"..... kedua dua pengarang adalah malaysian..... so kita boleh tahu malaysia punyer senario.....

As for buying a house utk tinggal sendiri, ia nya lebih subjektif..... Katakan kawasan u kerje tu sgt terhad tanahnya, property every year naik sampai 20k..... kalau u lambat beli, u kena tambah rm100k for 5 years delay..... let say sebelum u beli rumah tu sewanya rm500..... after beli rumah tu installment dia dlm 1000...... so, different dia rm500...... kalau u invest duit ini dlm ASB selama 5 thn dgn return 7%..... after 5 years, nilai investment tu ada dalam RM37k.... that means u akan rugi rm100k-37k= 63k kalau you lambat beli rumah tu...... Ini adalah cth berkenaan duit..... tapi I rasa faktor yg lebih penting lagi adalah faktor diri sendiri..... I mean, rumah utk tinggal adalah something very special..... kalau boleh semua org nak rumah yg selesa.... Kalau kita dpt tinggal dlm rumah yg selesa(rumah yg kita nak), jatidiri kita akan menjadi lebih kuat utk buat investment lain.... because kita dah ada apa yg kita nak.....

Just my 2 cents

lonely_surina

hi kengkawan semua....

su ingat selain dari posting financial planning korang setiap bulan, ape kate korang post korang punyer budget ari ni setiap hari... jadi kite boleh tengok perbelanjaan kite n kengkawan yg lain boleh membantu samada kite gune duit banyak tak hari tersebut.. su harap kengkawan semua dapat berikan kerjasama... sebelum tu buat budget bulan April kay ( kalau tak mengganggu keje korang).. rase best sgt tgk korang punye financial planning....


30/4 :
let say, su ari ni nak buka akaun asb - rm***(tak tahu brp)
makan/minum - depends kalau lapar sgt
send kat mak - rm300 ( rindu kat mak :hug: )

ni adalah budget su hari ni....

WinXP

Originally posted by MamaAlya at 29-3-2005 05:12 PM:
win - kita hanya merancang...korner sana korner sini, tapi tuhan jugak yang menentukan.

I don't have any special tips - just sharing my experience. But mostly what EUS said is TRUE.

Simple  ...

ehmmm thanx for ur advice MamaAlya ...

Calla lily

Originally posted by MamaAlya at 2005-3-29 05:22 PM:


calla - depends on jenis org yang nak menyewa nanti. Kalau yg upscale sikit, yes dia orang akan sanggup bayar for those additional things. Kalau jenis student, kerje kilang, or plan duduk ramai ...

thanks mama for the advice. byk bende kene consider jugak yer. hope my asset wont become my liability

MamaAlya

nak jawab permintaan su pulak. This WAS my budget since few years ago - next month akan change drastically!

background - women, 33 years young, married, 2 children (4 years & 4 months)

monthly budget:

FIXED EXPENSES -
1. rumah = RM800
2. kereta = RM700
3. ASB = RM1200
4. JPA = RM340
5. Courts Mammoth = RM220
6. Maid = RM150
7. Insurance = RM150

TOTAL = RM 3560

Variable expenses (depends on month)
1. Credit Card = RM1000  (utk grocery@supermarket,duit minyak)
2. Duit pasar = RM200 - RM300 (utk ikan sayur@pasar malam)
3. Cash in hands = RM500 (utk lunch, misc)

TOTAL = RM1800

GRAND TOTAL = RM5360   

` ni semua expenses. Savings selain ASB, ada jugak kat Tabung Haji utk diri sendiri & anak-anak - buat potong gaji terus.

lonely_surina

Originally posted by MamaAlya at 30-3-2005 12:37 PM:
nak jawab permintaan su pulak. This WAS my budget since few years ago - next month akan change drastically!

background - women, 33 years young, married, 2 children (4 years & 4 months)

m ...

mesti banyak gaji mama, harap2 satu hari nati su akan dapat gaji seperti mama....:pray::pray::pray:

cayaa laa mama, rm1200 untuk asb... :solute:
ni yg buat su berkobar2 nak buka akaun asb ni...:pompom::pompom:
tq mama 4 ur posting...:tq:

MACD

Originally posted by MamaAlya at 30-3-2005 12:37 PM:
nak jawab permintaan su pulak. This WAS my budget since few years ago - next month akan change drastically!

background - women, 33 years young, married, 2 children (4 years & 4 months)

m ...

Wow. Terelnya u Mama. You mesti kerja as a manager ataupun kat one of the MNCs.

Expense utk maid tu you bahagikan dgn hubby you ke? I rasa gaji maid around RM300 / month, kan?

What do you mean by "next month it will change drastically"? Dapat bonus ke ataupun dapat significant increment? Hehe..:bgrin:

[ Last edited by MACD on 30-3-2005 at 01:20 PM ]

MACD

Originally posted by keraklak at 29-3-2005 05:04 PM:
kalau lonely_surina nak tahu...saya memang suka sangat catat apa yang saya belanjakan ...dari sekolah sampailah sekarang. dulu masa bercinta, duit tepon pun saya masukkan dalam perbelanjaan saya. c ...

Cerita you mmg truly inspiring. BTW, macamana you simpan records of your daily expenses? You tulis dalam buku ke ataupun pakai software macam Microsoft Money?

lonely_surina

today :
makan+minum - rm4

ps : nak jadi mcm keraklak yg mencatit segala perbelanjaan sehari2........;)

MamaAlya

Originally posted by lonely_surina at 30-3-2005 12:45:


mesti banyak gaji mama, harap2 satu hari nati su akan dapat gaji seperti mama....:pray::pray::pray:

cayaa laa mama, rm1200 untuk asb... :solute:
ni yg buat su berkobar2 nak buka aka ...

hehehehe....$ yang masuk jangan tanya :cak:- yang keluar tu jangan ikut....:no:

SOALAN CEPUMAS - camna nak gaji naik???? :stp:
- rezeki masing-masing, kerje dengan company stabil, tiap tahun dapat bonus, increment.
- other than that - tambah skills - sambung belajar, tak kisah le ambik professional courses (masters) or courses pendek yang ada certificate (cisco, microsoft). Bila company hantar pergi training, jangan lepas peluang - simpan semua certificate. Belajar & cuba praktik apa yg dapat - bukan pergi training utk makan angin je!!!

[ Last edited by MamaAlya on 30-3-2005 at 02:36 PM ]

A'kum dan salam sejahtera,

Saya baru join this group maybe we can share some idea or exprience sesama kita kan....?? dan rata-rata saya setuju bebenor yg mencadangkan agar target beli rumah sbg 1st target, tp perlu diingatkan bahawa emergency fund jgn dilupakan sama sekali. sometime ada yg terlupa lebih2 lagi kalu nak beli sesuatu yg begitu penting baginya hingga sanggup melenyapkan emergency fund yg telah disimpan selama ini. Menurut seorg pensyarah saya, sekurang-kurangnya emergency fund mestilah boleh cover => 3 bulan ke atas laibiliti kita. Namun begitu saya just maklumkan saja almaklumlah tak berapa mahir sgt hehehhee...;) tak sehebat ahmad albab atau mama.....

jumpa lagik, tq

Originally posted by adik_nazgul at 29-3-2005 10:18 PM:
:: nasihat paling berharga yg diberikan oleh makcik saya ialah, selepas kerja dan ada duit, aset yg pertama wajib beli ialah rumah... yep rumah... kenapa? anda semua tahu kenapa kan... itulah aset  ...

Your makcik is right, no doubt. In her days, buying house/land may be the next priority if a person want to accumulate asset. Other alternatives those days were either to inheret house/land from your parents, or to open up your own land in the jungle.


Nowadays, we do have alternatives to owning a property, of a different kind. By property, I mean in a more general terms - house, land, shoplots, factories, high-rise buildings. Any real-estate.


As pointed out by myself and few others, owning a piece of property to your own right can turn into liability. For a start, you need to deal with banks and lawyers - those suckers whose interest were to enrich themself first, and don't really give a damn whether you made a right decision or not. Before you actually own that property, you already have to pay those suckers by the thousands of RM. Not many people able to afford that.


What if you made a wrong choice after the property become yours? What if you can't find an honest tenant? Can you sell the property quickly if it really turned into a liability?


There are risks and you know that you have to face them. But is there other alternatives?


Owning property is a good investment. No doubt. I myself own a number of properties that hatch eggs every month. But not every one can do it due to the high initial investment, and the focus and skill you need to maintain them. You need to know how to spot a good property, and how to find a good tenant. Then you need to have the negotiating skill to get a good price for it. Even or all those, you can't control the world economy. Next downturn, and you'll find yourself paying high interest, and can't sell that property when you really need the money for something else.


What are the other alternatives?


One of them is called REIT - Real Estate Investment Trust. Some of you may already know this, but some may not know what's the hell REIT is.


REIT is when hundreds and thousands of people (investors) poll a hugh sum of money, buy/lease some properties, and get a team of property management to manage that property.


As an example, few thousands of investor may come together and lease Suria KLCC and the Petronas Twin Tower, and then rent out the shoplots and office floors to businesses owners. The rents and management of those property is then being handled by a trust. Every year, the profit from the rents, minus the the management and original lease from the building owner will shared by all the investors involved.


Sound simple? Is that the closest to owning your own property, and rent it out, and manage that property and your tenant?


I can't write more on REIT. I have to go abroad in a couple of days. For those who are interested in REIT may do your own research. REIT shares is traded in Bursa Malaysia's counter, and KLCC is one of them (some people argue that KLCC is not REIT, but that's beside the point). There are many more beside KLCC. Do your own research.


Bottom line, you don't need 15K RM to start owning a property. a couple of thosand is enough to start your first investment.


Before I go, these are a couple points to share.

1. REIT is easy to buy and sell, if traded over Bursa Malaysia. You don't need to pay lawyers and banks, unless you get bank loan to buy those shares which is a stupid thing to do.

2. REIT inheret the similar risk during economic downturn. When business is not that good, who can afford to rent office floors or shoplots? No many. Same goes to a house. But it is very easy to get rid of REIT shares if traded over Bursa Malaysia.


Just sharing.

[ Last edited by Eus on 31-3-2005 at 09:00 AM ]

ahmad_albab

Originally posted by Eus at 31-3-2005 08:53 AM:



Your makcik is right, no doubt. In her days, buying house/land may be the next priority if a person want to accumulate asset. Other alternatives those days were either to inheret house/land f ...

Latest sekali pasal REIT ni, most probably this year(2-3 bulan lg kot) launching secara besar besran akan dilakukan..... Skang ni, REIT semakin popular kat oversea punyer market..... Konsep dia memang bagus..... So, skang ni study pasai REIT ni, simpan cash banyak banyak, bila dia launch ni, kita pakat beli.... tapi kena study la dulu... pastu share ramai ramai..... mungkin Brader EUS boleh bukak thread khas utk REIT ni.... amacam brader EUS.....

lonely_surina

Originally posted by ahmad_albab at 31-3-2005 09:04 AM:


Latest sekali pasal REIT ni, most probably this year(2-3 bulan lg kot) launching secara besar besran akan dilakukan..... Skang ni, REIT semakin popular kat oversea punyer market..... Konsep dia ...

:setuju::setuju::setuju:
boelh gak tahu serba sedikit tentang REIT...