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Jom bincang..gaji( pendapatan) dan perbelanjaan korang..satu kajian !

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Author: ganda23       Show all posts   Read mode

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Post time 1-6-2011 04:06 PM | Show all posts |Read mode
Salam semua..

Ape kata kite bincangkan ttg aliran masuk dan keluar duit kita.just sharing2 je.Yelah..dengan kos sara hidup yang makin meningkat sekarang..semua benda naik..perut pun jadi naik ..kih2..aku mulakan dulu ye.

Male/Solo/28old/

Pendapatan:
Gaji + elauan : RM 2100
pendapatan pasif : RM 700 ( tak tentu) -Meniaga kecilan

Total : RM2800

Perbelanjaan :
kereta : RM600
PTPTN : RM101
ASTRO : RM 80.00
Sewa rumah : RM 170
Kutu : RM 200
Parent: RM200
Petrol : RM200
mentenen motor+ petrol : RM 50.00
Topap : RM 60.00 ( 010/019)
internet : RM100
makan/minum : RM250
barang toiletris : RM50.00
lain2 luar jangka : RM 100

Total :  RM 2161.00

Savings :
ASB : RM250.00
ASW : RM100
BSN ( untuk kereta/insuran/dll luar jangka) : RM 150
P.Mutual : monthly RM 100
Maybank ; baki gaji
CIMB : duit rolling bisnes

Total : RM600

Baki : RM39+-/ : Lain2 hal.

itulah serba sikit perbelanjaan aku.korang pun jgn lah malu kite kongsi jugak.
m0d : kalo dah ade tread mcm ni,sila lock.tqvm.

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Post time 1-6-2011 04:55 PM | Show all posts
F/solo/24

gaji:800
balance after tolak kwsp:709

perbelanjaan:
duet api+air umah sewa:30
ibu ayah: 100
makan tiap2 hr (sbb aku x masak): pling murah dlm sehari rm5(ini klu da tgh2 bln),pling mhl pulak rm20(awl2 bln)
topup:pki hot ticket kre bole berjimatla.rm15 utk 10 hr.

dan dlm 1 bulan tu,aku mesti beli brg utk aku sndri cm baju ke,kasut ke.pape pn below 100 la.cme bulan ni aku terlebih sket la,beli kasut+beg+gajet total 200. dan 1 lg,biase hjung2 bln tu,aku akan make sure duet aku dalam bank xakan kurang dr 100.tah la,aku x rs secure klu dlm bank ade duet ckup2 je.hehe.

oh ya,sbb laen2 cm ptptn,broadband,sewa umah parent aku bayar (aku masih belajar lagi).aku xde saving pape pn sbb ni pn kje sementara as research assistant.tapi berita baik bln depan dan seterus2nya aku akan dinaik kan gaji.so aku plan nak wt asb+amek kreta.(plus aku doa2 dpt scholarship,lg lebat kot)
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Post time 1-6-2011 05:16 PM | Show all posts
Post Last Edit by dzila_87 at 1-6-2011 17:46

Female/Solo/24old/

Salary:
Gaji : RM 2300
Elaun : NA

Expenses :
PTPTN : RM100
Sewa rumah : RM 230
Postpaid: RM100
Mkn/Minum : RM500++
Toiletries : RM100
Insurance : RM54
Pet : RM100
Saving : RM500
Car : NA
Motocycle : NA
CC : NA

Total la sendiri.Aku malas kira
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Post time 1-6-2011 06:07 PM | Show all posts
Sebenarnya cara yg kita buat selama ni salah, income - necessary cost. bila ada baki baru nak saving.


kalau mcm tu, sampai bila2 pon takde saving kan?? cara yg betul ialah


income - saving - neceesary cost
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Post time 1-6-2011 07:43 PM | Show all posts
M/30+

Income:
**,000

Expenses:
1.5 x **,000



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Post time 1-6-2011 08:05 PM | Show all posts
Sebenarnya cara yg kita buat selama ni salah, income - necessary cost. bila ada baki baru nak saving ...
wanitajelita Post at 1-6-2011 18:07



    Setuju.Dulu masa baru2 kerja saya belanja yg perlu kemudian baru simpan.Lelama tak der yg simpan.
   Pastu dlm 3 thn kerja baru ada kesedaran yg duit gaji kena simpan dulu baru belanja.tapi simpan pun kdg2 ambil juga.
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Post time 13-6-2011 08:42 AM | Show all posts
aku simpan mmg xde..aku duk suka bli emas...bkn gold bar/coin..tp brg kemas...huhu..ni la kot saving aku...
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Post time 17-6-2011 07:50 AM | Show all posts
F/M/30

Salary - 2k
Saving - 500

baki gaji utk belanja yg lain2 tu...

cukup @ x, kena cukupkan jgk...
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Post time 20-6-2011 07:20 PM | Show all posts
male/single/25
gaji 2k (insyaallah lg 4 bln jd 2.4k) dgr2 bank nk revise gj lg..

gaji bersih 1.7k

sewa umah : 300
ptptn : 80
saving : 500
broaband : 50
personal loan :150
insuran peribadi : 150
mkn+myk moto : 500
kete : parent da bg
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Post time 29-6-2011 11:19 PM | Show all posts
gaji: rm3300

perbelanjaan
kereta: 700
insurans: 300
internet: 88
telepon: 100
loan peribadi: 280
kredit card: 500
minyak keta: 150
makan: 200
zakat: 60
parent: 300

total:- 2678

simpanan:
tabung haji: 400
asb: 150

total: 550

baki:- 72
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Post time 5-7-2011 07:31 AM | Show all posts
gaji :rm500

belanja:

bayar duit moto rm499.00
saving rm1.00

....

lain2 tapau org tua aku..
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Post time 10-7-2011 08:23 AM | Show all posts
aku baru masuk 1 insurans ni..Great Eastern Life.

memang bagus ntuk saving. bagi aku ok lah ..kalau jenis tak tau nak menyimpan aku rase baik korang masuk insurans yang ade saving. insyaAllah tak perlu rase risau di hari kemudian.

saving+medical card+life+car towing.

umur aku polisi dia cuma RM150.00. oklah tu kan. matang dalam tempoh 20 thn.

sori mod..bukan promosi tapi just nak share je.tq
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Post time 12-7-2011 12:53 PM | Show all posts
Post Last Edit by chentadearhati at 12-7-2011 12:54

me f/25/s
dok ngn family kt KL

gaji-RM1239.25 after deduct epf&socso

Saving
1)ASB RM100

Expenses
1) MARA RM50
2) BROADBAND RM90
3)ASTRO RM 90
4)TAKAFUL RM145.45
5)TRANSPORT G KIJE RM230
5) LUNCH RM130
6) BAGI MAKAYH RM100
7)TOPUP RM30-aku gna youthclub plan..jimat giler!thn sbln kdg2 fwd smpi bln dpn

BALANCE
RM273.80>>>>UTK SHOPING2 N JLN2 (reward  for myself)
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Post time 15-7-2011 08:35 AM | Show all posts
Post Last Edit by ruffleen at 12-12-2011 16:18

Female/Solo/30 yrs old
Gaji sbg kakitangan kerajaan: RM 1273

Sewa rumah = RM 115
Insurans = RM 100
Bil telefon = RM 100
Makan minum = RM 200

Total = RM 500 ++
Baki = RM 700 ++ (Saving = RM 400 ++, bagi mak RM 300 ++)

Side income/part time = RM 200 ++ (yg ni ikut suka nak buat apa, either saving atau berpoya2 )
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Post time 21-7-2011 12:21 PM | Show all posts
male/29

gaji - expenses = personal loan...

keta - 850
insurans - 400 (campur anak)
belanja umah - 600
citibank - ikut suka nak bayar berapa... kadang 1k,kadang 4-5 ratus...
minyak - 300 kot....
taska anak - 450...
lelain - 1k kot...

baki bawa hadapan...
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Post time 22-7-2011 09:59 AM | Show all posts
kajian mende kau nak buat?

kat malaysia ni kebanyakan kita berbelanja (incl. berhutang) lebih daripada kemampuan.
hutang keta, hutang cc, personal loan, hutang rumah mebbi semua lebih RM200k.

gaji? mungkin dalam RM40k saja setahun.

so setahun hutang2 besar tadi dalam RM16k. nampak sikit kan, sebab tolak ngan gaji kita ada lebihan konon2 dalam RM24k. RM24k divide by 12 months. sebulan ada lebihan RM2k.

itulah susu anak, pampers, bagi mak ayah, savings, kfc mcd, tadika, sekolah, tuisyen bla bla...neverending...:re:
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Post time 23-7-2011 12:35 PM | Show all posts
Reply 16# MelahJanda


    Mungkin nak kaji paras kemiskinan warga kota yg gaji bwh rm3,000
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Post time 24-7-2011 10:09 AM | Show all posts
Reply 16# MelahJanda

duit raya, insurans keta, maintenance and etc jangan lupa.
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Post time 26-7-2011 03:51 PM | Show all posts
M/2+an

gaji rm450.00
simpan rm200.00
baki bawak ke depan....
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Post time 30-7-2011 05:36 PM | Show all posts
M/2+an

gaji rm450.00
simpan rm200.00
baki bawak ke depan....
card_reader Post at 26-7-2011 15:51


uik..gaji RM450? betul ke..fuh... kj ape ek?
tapi bgsla..ko dpt saving separuh gak dari gaji ko tu.. huhu
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