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Author: baby_pingu

If U have to save 50% of your pay..how?

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 Author| Post time 9-11-2011 09:40 AM | Show all posts
Reply 19# damiqula


    haha...aku bukak soklan nih sbb nak diskusi (result perbincangan meja kopi kat opis )...sambil2 kita tgk pada financial sendiri

tapi coincidently aku pun tgh review financial xpenses sbb ada target nak save 20K by end of 2012 (kalo tak kawen pun byk benda bleh buat ngan 20K )
tp kalo nak reduce drastic sampai 50%, agak susah gak kot utk aku
difficult, but doesn't mean it's impossible kan?


so sambil2 aku pikir2, sambil2 tuh sharing..tak gitu ?
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Post time 9-11-2011 09:40 AM | Show all posts
Reply 18# baby_pingu

wah, gigihnya berjimat-cermat dalam semua hal, kagum-kagum...
oh, yang sebenarnya tahun 2009 tu saya masih student lagi, tak tahu menahu pun ada potongan gaji nak cover kegawatan ekonomi...

baki balance yang tinggal RM277.60
tu baby_pingu simpan dekat mana? ASB? Pelaburan emas?

P/S: 2.1K++ boleh guna kad kredit? Bank mana tu? Bestnya.... Best tak ada kad kredit? Memudahkan ke menyenangkan?
Untunglaaa ada kad kredit...

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 Author| Post time 9-11-2011 09:43 AM | Show all posts
Reply 22# meritokrasi


    aku bleh reduce 277++ ja..kena potong 210..balance 60 hengget ja dik..aku pun tetaw hilang p mana 60 hengget tuh.. abis makan kot

tahun 2008 dulu senang apply kredit card kot
my first card ngan Ambank
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Post time 9-11-2011 09:47 AM | Show all posts
Post Last Edit by amirul_nazri at 9-11-2011 09:50
Reply  baby_pingu

wah, gigihnya berjimat-cermat dalam semua hal, kagum-kagum...
oh, y ...
meritokrasi Post at 9-11-2011 09:40



   menyusahkan... nasihat saya....jgn pakai kad kredit...ukur baju agar suit dgn body kamu setiap masa...tak mampu beli..jgn beli..takde bagusnya swap swap cc nie...

    hidup akan aman tnpa hutang ..
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 Author| Post time 9-11-2011 09:55 AM | Show all posts
Reply 24# amirul_nazri


    ada betul gak nih...kalo utk personal use, if bleh elakkan CC, elakkan...jgn terjerat cam aku


tp utk org2 cam aku kena ada at least 1 card utk guna time travel...berguna bila takmo bawak cash byk2, or bila travel advance tak sempat approve
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Post time 9-11-2011 11:34 AM | Show all posts
sy rasa instead of u cut down expenses, try to increase your income 50%
idup terseksa mcm tu
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Post time 9-11-2011 11:52 AM | Show all posts
sy rasa instead of u cut down expenses, try to increase your income 50%
idup terseksa mcm tu
jenglut Post at 9-11-2011 11:34


SETUJU ya amat....
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 Author| Post time 9-11-2011 12:12 PM | Show all posts
Reply 26# jenglut


yup, by double-up income may result on double-saving...tp depends pada the spending habits jugak..
increasing income at the same time limiting expenses its is one of the possible way to a long-term financial freedom  


tapi, sometimes when someone is in a sudden financial crisis, the most easiest n quickest way is to ask him to monitor his spending

ok, i may exaggerate bila i said save 50%
tapi, if you want to dream, dream big (termasuklah double-up income)
at the same time kena ingat, always prepare for the worst (example the 50% decrease in income secara tiba2)
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Post time 9-11-2011 03:54 PM | Show all posts
sy rasa instead of u cut down expenses, try to increase your income 50%

jenglut Post at 9-11-2011 11:34



   cut down expenses satu hal jenglut... tambah income tu satu hal.... tapi benda paling penting ialah TEKNIK.

cthnya, skrg ni credit limit cc Maybank aku dah full 6 ribu dlm satu statement.... gara2 guna cc bayar downpayment kereta baru (jangan gelakkan aku ye ) . so aku buat balance transfer sebanyak 2,500 ke second cc. so ada masa lagi sementara nak tunggu statement date dan due date.... end of this month dapat gaji terus zassss bayar cc Maybank.

second cc statement date dia 14hb Disember dan duet date 4hb Januari.... so aku akan zasss second cc tu guna gaji end of disember.... so bank tak sempat nak charge interest.


dalam pada tu part time payment aku akan masuk middle of November... guna lump sump tu utk top up downpayment rumah 4% lagi..... before this aku kelentong kat lawyer SNP cakap nak draw EPF (padahal akaun kedua aku bukannya boleh cover pon)... so moralnya kat sini memang kerja part time tu sangat2 membantu cash flow kita....

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Post time 9-11-2011 04:47 PM | Show all posts
byk approach utk cut down 50% nie ..tp most to short term effect ajer..kalau utk long term, hidup terseksa..kena jd bakhil, tangkai jering tp hati tak happy..

so bak kata jenglut...kena cari jalan utk tambahkan income..+ kata wanita tue..teknik kena betul gak...so 2 2 kena compliment...and kena work smart..

aku dah merasa dah sumer seksaan nie...last2 takder satu sen pun utk aku dulu dulu huhu...
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Post time 9-11-2011 04:54 PM | Show all posts
gaji bersih: 2.1K++ (round up jer la, sbb tak ingat sen2 tuh brapa)
before salary cut,
fixed commitment: 500 (actual 468)
sewa bilik: 250
ptptn: 200 (actual 130)
streamyx: 60
bil: 10
minyak keta: 250
tol: 150
credit card: 300
tabung haji: 200
balance utk huha huha: 200
baby_pingu Post at 9-11-2011 09:31

hmmm..mana peruntukan utk bagi kat parent ??
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Post time 9-11-2011 04:57 PM | Show all posts
sy rasa instead of u cut down expenses, try to increase your income 50%
idup terseksa mcm tu
jenglut Post at 9-11-2011 11:34



   betul..setuju tu...
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Post time 9-11-2011 04:59 PM | Show all posts
Reply 29# wanitajelita


tu teknik 'merempit' namanya tuu..hehhe
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 Author| Post time 9-11-2011 05:02 PM | Show all posts
Reply 31# leylapple


   masa tuh tade bg kat parent every month due to mutual agreement yg tak perlulah i nak bgtau kat sini
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 Author| Post time 9-11-2011 05:07 PM | Show all posts
Reply 30# amirul_nazri



agreed that for short term goals ok lah reduce xpenses
tp also good for education i guess, sbb dia ajar camna nak review your own expenses and prioritizing
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Post time 9-11-2011 05:13 PM | Show all posts
Reply  leylapple


   masa tuh tade bg kat parent every month due to mutual agreement yg tak per ...
baby_pingu Post at 9-11-2011 17:02



   ic..sebab ada org kata, kalo nak rezeki lebih, kt perlulah bagi duit kat parent, supaya kita sentiasa dimurahkan rezeki...doa parent kepada anak kan antara doa2 yang dimakbulkan oleh Allah~
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 Author| Post time 9-11-2011 05:14 PM | Show all posts
Reply 36# leylapple


    post tuh for 2009 punya kes...n mmg masa tuh tak bg kat parent cos dah ada mutual agreement..lgpun my dad requested for it..
sekarang dah 2011 cik kak
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Post time 9-11-2011 05:16 PM | Show all posts
Reply  leylapple


    post tuh for 2009 punya kes...n mmg masa tuh tak bg kat parent cos dah ad ...
baby_pingu Post at 9-11-2011 17:14



   ic...ingatkan masih sama
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Post time 9-11-2011 05:46 PM | Show all posts
kalau short term / sudden financial crisis in condition where saving adalah nan hado, yg aku boleh pk kan :-

1- hutang cc kasik trasfer dkt bank lain yg offer 0% int for certain period of time
2- hutang rumah, boleh kuar dr acc 2 EPF - kasik "nyawa" certain period of time
3- hutang kereta - boleh call bank and discuss mtk reduce monthly loan

kendian, u need some capital utk memulakan kehidupan baru yg suci dari hutang2 jahat kan? kalau ada asset or prop, refinance ikot current market. duit lebe buat modal meneruskan kehidupan. mcm mcm cara boleh buat to duplicate wealth. cari jgn tak cari.

cut expeses utk kasik nyawa sementara waktu ok lagik, tp utk tempoh panjang adalah hazab dan tidak fun. so, kena fokus utk tambahkan income rather than cutting expenses.

remember,  NO FUND, NO FUN

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Post time 9-11-2011 06:02 PM | Show all posts
Reply  wanitajelita


tu teknik 'merempit' namanya tuu..hehhe
jenglut Post at 9-11-2011 16:59



    merempit ke tak merempit ke.... yg penting 0 SAVING pun aku boleh beli rumah instead of menyimpan by the time harga rumah semakin naik
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