Wah tajuk ini seperti menggambarkan bahawa aku ni spesis yang sungguh mencintai harta-benda dan duit. [kaching!!] Who doesn’t? You tell me now J Well, most of us are not happy with what we’ve been earning. Based on my cakap-cakap bual-bual di kopitiam contohnya, quite a number jugak kawan-kawan yang komplen gaji tak cukup lah hapa lah. I do feel the same sometimes [Nak jugak cover kan, yesss I keep saying kita wajib bersyukur dgn rezeki yang kita ada] When i  metioned kawan-kawan, please bayangkan sahabat-sahabat yang umur di kawasan 24-28 tahun oke. Kalau yang generasi X tu, no need to say more la hey. Most of them sudah berada di financial comfort zone.

So, are you aware of the financial planning pyramid?? Haa kau ingat makanan sajah yg ada food pyramid. Ternyata you are wrong ~ Financial also has its pyramid oke. I, myself juga not aware at all. That explains the whole story of dapat gaji, wa baya itu ini, boros sikit-sikit, simpan dikit, then tak saba-saba tunggu gaji lagi skali. And the cycle continues until bila wa tak tau la haih.

 Maka, have a look at this pyramid here. This is kind of the principal dalam cara kau meng-perabihkan duit penat lelah bekerja itu.

STEP 1: PROTECTION
This is the first thing you should do with your income. Use your income to protect yourself, ur credit, ur income, ur health and of course ur loved ones. The principal here is, katakan apabila umur kita tidak panjang, kita harus sudah ada protection on all these things. Means org yang kita tinggalkan tidak akan menaggung beban hutang kita. In short, protection here is kau hamikla insurance or takaful. It may not sound important, but when something happens pada ketika itu dah takleh nyesal ye. As for me, I never bother to insure myself or credits and whatnots before. Tapi sekrang dah masuk takaful. Even that, I macam tak nampak all the money[sebab takde anything bad happen so far alhamdulillah]… Thats y i read a lot on benda2 ni and now only i understand. Utk org yg tak penyabar macam aku ni, masukla takaful yang jugak membolehkan kita bersaving di situ. Kind of menyimpan duit sambil meng-insure diri dan keluarga.

STEP 2: SAVINGS
After u spare some amount for pretection, then put aside some jugak for savings. Rule of thumb : kena save at least 10% of ur gaji ya. Kalau liat sangat nak put aside duit itu, kau buatlah potongan gaji. SOnang! U can either save in a fixed deposit ke, tabung haji ke.. apa-apalah ya. Penting jigak benda ni..contoh : if katekan saya mengidam nak bercoti di London, and MNI ada enuff savings, haaa kan dia boleh membawak bininya yg mengidam tu gi London. Kehkehke.  As for me, wa takdelah saving bnyk mana pun. Tapi saya amat liat,maka potong la gaji siap2. Bila tgk slip..aduyaii apehal gaji sket ni.. Ohh takpe, sebab dah potong siap2 utk savings. Sikit2 lama2 jadik bukit kan?

STEP 3 : INVESTMENT
Haaaaa..You only do this if u have already prepare urself with Step 1 and Step 2. Maknanya kalau umur tak panjang, dah cukup duit utk baya suma hutang piutang (bnyk oooo keta, umah, kalau ada loan ptptn ke ..) and takkan tinggalkan family kais pagi mkn pagi..Rule of thumg: Never invest if u dont have extra money. Example: kau ada RM 50 000 savings, the jangan gedik pegi invest Rm50K ! Kerja gila. Maybe u just take portion of it (not even 50% ya)…and maybe invest sikit2. Macam unit trust tu ke kan, which invest every quater ke..or something yang you can treat that as savings jugak. Not a lump sum of ur savings.

Camtulah kekdahnya. Macam saya, ada kesilapan besar yang telah saya lakukan dalam mengurus duit yang tak brapa bnyk ni. No need to write in detail, but I am completely upset and sgt berharap can get rid of the burden. Haiyoo tu lah sape suruh buat decision tak fikir masak-masak. apekan daya, terlajak perbuatan buruk padahnya. Natijahnya, terpaksalah kami tanggung 😦 Thats y aku ni cam meroyan nak settlekan benda alah itu. Hari-hari pening n serabut. Eeeeeesh. InsyaAllah ada rezki pasti Tuhan akan permudahkan. Amin.

Ohh dah pukul 4:28pm. Jom balik ~!

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