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Saving: Berapa % daripada income?

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Author: baby_pingu       Show all posts   Read mode

Post time 20-9-2013 09:40 AM | Show all posts
baby_pingu posted on 20-9-2013 09:32 AM
selain ASB, ada tabung haji

sory xfaham sgt Tabung Haji ni..

sama konsep dgn ASB ke... tunai tu boleh dikeluarkan bebila masa ke atau kena simpan utk pergi haji?
ada had pengeluaran x...
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 Author| Post time 20-9-2013 09:43 AM | Show all posts
ladyfree posted on 20-9-2013 09:40 AM
sory xfaham sgt Tabung Haji ni..

sama konsep dgn ASB ke... tunai tu boleh dikeluarkan bebila ma ...

dia sama jer cam ASB..
saving bleh kuarkan bebila jer...cuma kalo kerap kuar, sikit ler dividen annually tuh nanti..
so far dividen dia ok jer around 5%++..tapi dia dah byrkan zakat sesiap..yg asb tuh altho % tinggi, tapi blom tolak zakat..

sambil menyimpan utk kegunaan selalu, sambil tuh menyimpan utk preparation pegi haji..gitu ler konsepnya..


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Post time 20-9-2013 09:46 AM | Show all posts
baby_pingu posted on 20-9-2013 09:43 AM
dia sama jer cam ASB..
saving bleh kuarkan bebila jer...cuma kalo kerap kuar, sikit ler dividen a ...

oo mcm tu..

nk tanya satu lagi...

kalau simpan kat TH tp tujuan nk buat deposit rumah cthnya... bukan/belum utk pergi haji dulu..

boleh ker??
menyimpang tak niat??? huhu
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 Author| Post time 20-9-2013 10:30 AM | Show all posts
ladyfree posted on 20-9-2013 09:46 AM
oo mcm tu..

nk tanya satu lagi...

boleh jer..

sbb bila simpan tuh, bukan automatically register haji pun...
register haji kena ada minimum blance 1K kot dlm account kalo tak silap..pastu kena tunggu turn plak

sementara blom sampai turn tuh, bleh jer nak pakai duit tuh utk benda2 lain..
aku simpan kat situ sbb kalau nak withdraw cam rasa leceh, nak pegi kaunter bagai..kalo withdraw kat atm, kena charge singgit
so bila rasa leceh, automatically buat taktau ja la kat duit tuh..biar dia beranak sendiri..buat potongan gaji tetiap bulan..
next year time dividen annouce, baru pegi TH update buku


sekarang neh aku gigih simpan kat Kuwait Finance House gak..sbb dia punya profit sharing monthly basis..dpt ler beberapa hengget per month
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Post time 20-9-2013 11:40 AM | Show all posts
baby_pingu posted on 20-9-2013 10:30 AM
boleh jer..

sbb bila simpan tuh, bukan automatically register haji pun...


wah tq... mcm nk bukak account kat TH lak lepas ni..

byk giler account bank tp hasilnye sikit kat dalam haha..

bercambahnye tak...

selama2 ni ingat org2 yg buat kat TH kena simpan utk gi haji dulu...baru tahu kaedahnyer..

ni nak tanya satu lagi, ok tak yang loan ASB tu... cth loan RM100k @ 25tahun.. byr bulan2..
semata2 nk dividen lebih compare cara manual ni....tp yg tak sedapnye mcm berhutang lagi dgn bank...what say u?

p/s: kuwait finance xpenah lg dgr promo2 dari org... cuba cerita skit...
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 Author| Post time 20-9-2013 12:07 PM | Show all posts
ladyfree posted on 20-9-2013 11:40 AM
wah tq... mcm nk bukak account kat TH lak lepas ni..

byk giler account bank tp hasilnye sikit ...

i mmg tak fancy ASB loan..
first, i mmg tak pakai pun ASB...
second, my concept is, kalau nak saving, tak perlu la nak loan bagai..sbb loan nanti dah jadik komitment..mcm kena ikat kaki gitu..tak syok..


KFH tuh mcm bank lain2 gak..i buat saving account situ pun sbb nanti nak bukak account gold dia..
tapi nampak dia bg profit sharing monthly basis..so i buat ler that account jadik tpt utk i park money that i need for huge purchases..
sambil2 menyimpan utk beli brg idaman, dpt ler jugak beberapa hengget additional per month
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Post time 20-9-2013 12:20 PM | Show all posts
baby_pingu posted on 20-9-2013 12:07 PM
i mmg tak fancy ASB loan..
first, i mmg tak pakai pun ASB...
second, my concept is, kalau nak ...

ooh ok...

loan ASB pun xberape berkenan sbb konsep hutang lagi..
i think better buat satu lagi mcm TH tu...since u cakap mmg konsep ASB..hehe

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Post time 20-9-2013 08:55 PM | Show all posts
ladyfree posted on 20-9-2013 09:40 AM
sory xfaham sgt Tabung Haji ni..

sama konsep dgn ASB ke... tunai tu boleh dikeluarkan bebila ma ...

Satu lagi kalau tabung haji..nanti dier tolak zakat harta sesiap..
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Post time 20-9-2013 08:56 PM | Show all posts
baby_pingu posted on 20-9-2013 12:07 PM
i mmg tak fancy ASB loan..
first, i mmg tak pakai pun ASB...
second, my concept is, kalau nak ...

Asal aku rasa dividen tabung haji tahun ni akan naik sikit banding tahun lepas.ko rasa tak apa aku rasa
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 Author| Post time 21-9-2013 10:28 AM | Show all posts
blazzard posted on 20-9-2013 08:56 PM
Asal aku rasa dividen tabung haji tahun ni akan naik sikit banding tahun lepas.ko rasa tak apa aku ...

so far, dividen dia asik naik every year..maybe thn nih naik lagik..
nak bg org yakin ngan pengerusi baru..kot..tektik

tapi thn depan tetaw camna
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Post time 21-9-2013 05:36 PM | Show all posts
baby_pingu posted on 21-9-2013 10:28 AM
so far, dividen dia asik naik every year..maybe thn nih naik lagik..
nak bg org yakin ngan penger ...

KFH berapa dividen dia?  KFH ni pun pun payah gak nak keluarkan duit, ATM dia payah nak jumpa

you tau tak cara pengiraan TH punya deviden?
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Post time 23-9-2013 01:38 PM | Show all posts
blazzard posted on 20-9-2013 08:55 PM
Satu lagi kalau tabung haji..nanti dier tolak zakat harta sesiap..

oic... x kira brape minimum dlm account tu mmg tolak zakat eh...

cukai lak? kena tolak tak....huhu
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Post time 9-11-2013 10:52 AM | Show all posts
Bestnye berkuntum kt benang ni..slme ni i jd sr jek..mmg ase makin smgt nk menabung..huhu

Lately i mcm xpndai je nk saving..mcm2 bnda jd..

Skng i ade asb yg biasa je bkn yg loan..ok x yg tu snbrnye?sbb ade stgh org ckp rugi if simpan biasa je..better wt asb loan..

Duit gaji msk thru cimb..awl2 gji i da tolak siap2 utk kete,rmh sewa,bg mak,insurans..then ade mskkn kt bank islam(in case nk gne time emergency),so duit lebih kt cimb i akn spend tuk blnje i..tp i xnmpk pon i saving sbnrnye sbb at last i akn amek blik duit kt bank islam tu..

So,cmne i nk plan for my better life in future?dlu i rajin menabung..1k per month..skng rm100 pon susa..da 2 thn kje,tp bru ade cket lam bank..fyi,i teringin sgt nk g melancong kt overseas,tp ble pk blik ngn life i skng ni mcm xmampu jesmpaikn member i tnye i,"eh,u xpenah g overseas trip lg ke sjk keje ni?"sentap mak!!i ni da la ank sulung,byk tngungn..i blh je nk bli pe yg i nk,tp i pk yg my fmly is my priority..fmly mkn nasi ngn ikn,ank mkn kt manhattan

I bkn jnis kaki shopping,tp once i nk sumthing,i akn try to get it..lgpon i ni ske ddk rmh je..mcm makcik2
Duit byk dihbskn tuk bli brng dapur,pdhl i single lg..tp i ske msk byk2 then bg org mkn..
Td i tnye my housemate,knpa lately i rasa yg rzki i mcm susa je.then die jwb,i kurang bersedekah kot..i kurang blnje kwn2..pdhl i slalu msk kt diorg smpai ht die ckp cmtu..huhu(sory off topic jap..)

Ok,.so dlm case i ni cmne?should i cut cost utk brng dpr i?huhu
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Post time 13-11-2013 08:36 PM | Show all posts
hatiungu posted on 9-11-2013 10:52 AM
Bestnye berkuntum kt benang ni..slme ni i jd sr jek..mmg ase makin smgt nk menabung..huhu

Lately  ...

haah ..mmg patut sangat..pastu duit simpanan utuh jgn laa simpan kat bank islam..kalau tuk emergency ..just letak 500 jerk kat bank islam tuh..yg lain u dump kat tabung haji or asb..sebab 2-2 ni tader kad..kalau nak kuarkan duit kena gi kaunter..confirm u malas kan nak kena gi kaunter sumer tuh..so end up takderlaa nak kuarkan duit simpanan u tuh

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Post time 22-11-2013 08:16 PM | Show all posts
bagi aku tak kisah berapa % simpan, yg penting konsisten simpan.
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Post time 24-11-2013 09:14 PM | Show all posts
mula2 kerja aku buat saving 50%, tapi lepas amek loan ASB tu....tinggal dalam 20-30% je saving

tapi terasa la jugak bila saving kurang nie, saving kurang berkembang.....kena pikior cara len nie
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 Author| Post time 25-11-2013 08:30 PM | Show all posts
disebabkan teda dpt increment bln january..maka aku kena cari cara lain utk menyimpan..haha.
stress ler jugak..

semoga lps nih ada org cover duit makan...
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Post time 26-11-2013 10:33 AM | Show all posts
card_reader posted on 24-11-2013 09:14 PM
mula2 kerja aku buat saving 50%, tapi lepas amek loan ASB tu....tinggal dalam 20-30% je saving
...

men forex nak?
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Post time 26-11-2013 08:19 PM | Show all posts
card_reader posted on 24-11-2013 09:14 PM
mula2 kerja aku buat saving 50%, tapi lepas amek loan ASB tu....tinggal dalam 20-30% je saving
...

banyaknyer ko saving ko...ko xde bagi duit kat parents ke? bayar hutang ptptn ke?

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Post time 26-11-2013 09:52 PM | Show all posts
aina_shaira posted on 26-11-2013 08:19 PM
banyaknyer ko saving ko...ko xde bagi duit kat parents ke? bayar hutang ptptn ke?

duit utk parents bagi la jugak, tapi x banyak la....

loan ptptn memang xde............

lagipon aku dok ngan family, so bab duit sewa rumah tu mmg xde masaelah la..........
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