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Plan kewangan 2011

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Author: amirul_nazri       Show all posts   Read mode

Post time 25-12-2010 04:46 PM | Show all posts
Taun 2011 harap jadi org yg lebih pemurah. Moga income yg dapat akan lebih berkat.
Sebab harta yg kita dapat adalah amanah Allah, setiap sen yg kita gunakan akan dipersoalkan di akhirat nanti ..
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Post time 25-12-2010 04:46 PM | Show all posts
taun depan agaknya ekonomi meleset or makin bagus ?
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Post time 25-12-2010 05:52 PM | Show all posts
Reply 20# edry_faizi

aku dah lama giler tk tengok wayang.. . tunggu jer la movie tu masuk astro.. tp astro sayang lak nk discontinue sbb byk channel yg aku suka cam TLC, AXN, History, Discovery, NatGeo, etc..
tp since 1-2 tahun lepas, byk benda aku cut-off utk kurangkan expenses & lebihkan saving..kalu nk harapkan gaji naik mmg tk le, so nak tk nak kena la cut-off ape2 yg patut since every year pun kos of living semakin naik .
Hopefully 2011 rezeki makin bertambah.
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Post time 25-12-2010 08:53 PM | Show all posts
my plan for next year:

1. increase the monthly saving margin by 5%
2. start bayar zakat pendapat ...

5. increase my parents' monthly allowance

cursebreaker Post at 24-12-2010 19:22


niat yang sangat baik...... pasti dipemudahkan Nya........
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Post time 26-12-2010 12:10 AM | Show all posts
Target tahun depan...nak simpan 50% daripada gj kat asb. ini jelah bentuk simpanan aku buat masa skang, selain takaful insurance lah..selain tu nak kumpul duit sikit2 nak bawa parent cuti2 ke oversea..sian mak aku dah tua pun x pernah gi luar negara lagik
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Post time 26-12-2010 10:16 AM | Show all posts
ini pula my plans for next year insyallah

1. Increase the ASB monthly saving to RM500/ mth
2. Expand my company from construction to trading works and consultancy
3. Reallocate the office from house to office lot
4. Invest money for my parent for Haji
5. Cut budget for Transformers toys to only RM300/ mth
6. Start paying for my scholarship financial installment
7. Increase side income by teaching tuition classes everyday
8. Save money for down payment at least Rm500/ mth to buy new car. Bye Bye Proton~ TQ for making my life miserable.allsparks Post at 25-12-2010 00:49


ayat last tu bang kang ngamuk org yg pro proton .......(pssstttt....sy pon xde proton....... )
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Post time 26-12-2010 10:39 AM | Show all posts
ayat last tu bang kang ngamuk org yg pro proton  .......(pssstttt....sy pon xde proton..... ...
220796 Post at 26-12-2010 10:16


Sorry la bang, saya bukan nak kutuk, tapi mmg byk duit saya habis akibat kerosakan/kecacatan pada kereta saya. Bayangkan kereta baru ambil dah rosak wiper, pump air sangkut, IAFM bocor, central lock rosak dan Fuel-Injection timing setting lari.

Mane tak emo saya bang... kalau 5 tahun baru rosak tak apalah. ini baru kuar untuk user dah kene masuk bengkel balik..
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Post time 26-12-2010 10:42 AM | Show all posts
yeah...aku pun nak said bye bye to proton
amirul_nazri Post at 25-12-2010 10:18



saya punye semangat nasionalisme terkubur dek QA/QC proton yang mmg tak cakna dengan production
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Post time 26-12-2010 10:44 AM | Show all posts
wahh....
byk betul encik allspark berbelanje untuk transformers yer.......   
...
system_failure Post at 25-12-2010 03:33


insyaallah bro, saya akan jual balik koleksi saya bila mencapai target harga pasaran yang telah ditetapkan.

Rumah pon da penuh dengan transformers. Ayah kat kampung dah bising2 sebab rumah dah jadi cam Toy'r us. hahaha...

p/s : Sorry dad, nanti anakmu kawin nnt , anakmu akan jual semua transformers tu....
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Post time 26-12-2010 10:48 AM | Show all posts
Reply 27# allsparks


errr....bro, sy sis bukan 'bang'

beli kete ni mcm 1 perjudian gak......ada org beli kete import facing a lot of problems too......not even national car......my hb dari bujang sggup beli honda ferio 2nd hand dari proton wira new brand...wlupun harga hmpir sama.......& sejak tu dia kekal dgn brand H until now.....2nd hand & 1 brand new car ...had civic ni dh 2thn pakai lgsg xde problem...alhamdulillah......
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Post time 26-12-2010 10:51 AM | Show all posts
Reply 29# allsparks


ooo..x kwen lg.....klu nak kekalkan smua koleksi transformers tu kene cari bakal isteri yg boleh berkongsi minat.....klu yg tak minat mcm sy harus haku rebus smua transformers tu jd sup wat special dinner .......
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Post time 27-12-2010 10:10 AM | Show all posts
salam semua,

aku pun nak share jugak......

1) Aku dgn hubby target nak bukak agency insurans sendiri by this year....Insyaallah
2) Nak tambah rumah lagi for this year untuk investment......Insyaallah
3) Increase semua pelaburan/simpanan.....tabung haji, Insurans, asb, unit trust......Insyaallah
4) Nak cari 1 MPV, anak2 ramai......huhuhu
5) Nak belajar dari otai2 kat sini dlm gold saving, tak tahu camner nak invest (ada la pure gold tp sekarang simpan kat ar-rahnu, cuma bayar upah simpan je)
6) nak belajar dgn en. amirul dgn forex(apa pun tak tahu)....buat masa ni tak sempat lagi
7) nak belajar dgn en. aari pasal bzz.........buat masa ni pun tak sempat lagi....
8) nak belajar melanun dgn en. momod....... .....nak menambah harta karun yg belum ada.......

ps: yang item no. 8 tu mintak2 la tak makbul..........

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Post time 27-12-2010 10:23 AM | Show all posts
perancangan kewangan for 2011:
-nak kene beli satu lagi kete tp nak menten monthly instalment to less than 5% of gross pay.
-nak cari rumah2 hantu dlm bank books utk dibeli (non-perform >10 yrs)

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Post time 27-12-2010 12:27 PM | Show all posts
apa plan yg sesuai utk mereka yg mmang evry month -ve frm salary?
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Post time 27-12-2010 12:50 PM | Show all posts
Reply 34# lostnfaun


err...kene cari side income la bro....tp klu ikutkan jumlah loan yg under nama sy dgn income sy mmg dh -ve tau......tp sbb the biggest loan tu hb sy yg bayor so kene clarify bila nak apply loan lg
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Post time 27-12-2010 01:33 PM | Show all posts
apa plan yg sesuai utk mereka yg mmang evry month -ve frm salary?
lostnfaun Post at 27-12-2010 12:27


betul tu, kena buat side income macam akak ni, tapi 1st kena buat dulu....kena tengok keperluan dan kehendak.  Sesetengah org yg jadi selalu -ve sbb utamakan kehendak dulu dari keperluan, pastu kalau tak leh jugak cari kerja lain dpt gaji yg lebih tinggi, klau tak leh jugak buat la apa2 side income, jgn MLM dah......
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Post time 27-12-2010 02:30 PM | Show all posts
Reply  lostnfaun


err...kene cari side income la bro....tp klu ikutkan jumlah loan yg under nam ...
220796 Post at 27-12-2010 12:50



untuk org dh kawin, ada jer yg tlg byrkn ek...hehe
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Post time 27-12-2010 02:31 PM | Show all posts
betul tu, kena buat side income macam akak ni, tapi 1st kena buat dulu....kena tengok keperluan  ...
Dynz Post at 27-12-2010 13:33



akak bt side income apa ek? dh lama ke bt side income nie? sy ada tpkir gak bt side income nie cuma tgh dok study2 lg....
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Post time 27-12-2010 03:15 PM | Show all posts
akak bt side income apa ek? dh lama ke bt side income nie? sy ada tpkir gak bt side income nie ...
lostnfaun Post at 27-12-2010 14:31


akak ni dah tentu2 la buat insurans......tengok la apa yg kita minat, dari minat tu boleh jadi sumber pendapatan.  klau minat menjahit tu cuba belajar2 menjahit, kalau minat memasak cubala belajar kat mana2.  sekarang ni senang je nak belajar kalau tak pandai, yg penting dimana ada kemahuan disitu ada jalan....
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Post time 27-12-2010 03:20 PM | Show all posts
Reply 37# lostnfaun


hehehe...untung jadi org ppuan la....sbb kan tgjwb suami tanggung isterinye wlupun income isteri lebih dari dia.......

tp income sy kurg dari hb......hihihi! loan kete nama sy tp tu pon dh 70% dari gaji , then nak apply personal loan sgkut...kene le bgtau "the hire purchase loan fully paid by my boyfriend"...baru boleh lepas.....ekekeke!
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