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babynina30 replied at 28-9-2020 05:31 PM
Bagosnya u kaka.
I ada jgk sikit2 residential properties .
Savings alhamdulillah dlm 500k.
Sooooo inspiring how u managed to save 500k... share la citer how u managed menabung byk tu.. mana tau bleh follow.... |
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hotmak replied at 28-9-2020 05:18 PM
takde lah banyak menyimpan sebab gaji kecil, tapi seboleh mungkin taknak tambah hutang yg ada & b ...
Tq hotmak for the reminder..
I saving gila2 skang sbb i started late... and i teringin nak retire early... i plan next 4-5 yrs i dah bleh retire early... sbb i takut being promoted lagi and kena galas bigger responsibilities, sedangkan cita2 i nak hidup simple je....
kalo dpt VSS alhamdulillah... tp berangan je la kot for now... berangan is free |
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babynina30 replied at 28-9-2020 05:44 PM
Hehe old money i inherited from my late mom kaka. Alhamdulillah.
My story is not inspiring at ...
Eh takpe.. regardlesss.... u still kena manage it properly.... u kena leverage that money... penuhkan asb 1 asb 2 asb 3.... then kalo nak enjoy pun, just enjoy duit dividen.. jgn usik duit pokok |
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Author |
Post time 29-9-2020 01:05 PM
From the mobile phone
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Show all posts
Laku thread den ni ye...
Siap ada sharing pasal financial n investment... |
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Author |
Post time 29-9-2020 01:09 PM
From the mobile phone
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green~tea replied at 5-9-2020 02:23 AM
Ala.. tak perasan ada tangga2 voting rupanya, pernah vote suatu masa dulu and i forgot kat mana i vo ...
U ni bukan biasye2 ni..
Ramai org bukan biasyer2 mcm u tp xde masa nak share kat sini kan... |
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megan_pox replied at 29-9-2020 01:09 PM
U ni bukan biasye2 ni..
Ramai org bukan biasyer2 mcm u tp xde masa nak share kat sini kan...
I dpt tips2 camtu sbb my current husband is investment blogger suatu masa dulu.... and i mmg dah pergi retirement plan courses... husband i attend courses and read investment /financial books... so i kerap bertukar2 pendapat dgn dia.... those classes are expensive, and i nak share to others in forum ilmu yg i belajar dan dah buat... to be a good succesful financial management kena BUAT, takleh sembang semata |
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sabar la sis..at least sis da dpat suami baru yg lagi helok perangai dari ex based on your story kat sini..
btw bgus current suami u pandai manage duit for both of you..very impressive bila baca apa yg u share kat sni..
i pun saving ngam2 3 bulan gaji but in solid gold..kalu nk pakai cash kena masuk pajak sebab i bru start keje tahun 2017 n gaji xsampai rm3k untuk 2 tahun pertama..since hujung tahun lepas baru naik rm500 tu yg i bru start kumpul saving but in gold term sbab i xboleh commit in cash..mesti ade je nak kluarkan cash tu lagi2 kat bank n acc asb
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ah ya,... the reason why i cepat recover balik liquid saving i ni sbb i dah makin menginjak usia nak masuk 40 dah pun.. dah 16 tahun kerja... haruslah senang nak restructure financial i... bagus u start early, u are already in the right track
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not so early gak sis sebab i masa tu bru keje umo 26 tahun tetiba company bankrup n 7-8 bln menganggur..end 2017 bru start keje time tu da 27 tahun da..b4 26 tahun i xpenah keje ada kwsp so kwsp i xsampai 30k pun skang ni..dats why i rasa better i simpan pakai emas sbab emas ni susah nak cashkan melainkan masuk pajak n harga sentiasa naik..so far i rajin beli emas 916 used n gold bar 999. kalau emas 916 new ada la 3-4 brg tapi xbanyak pun sebab i xpakai sgat..setiap bulan 1 try beli dalam 3-5 gram walaupun harga xbrape nak murah but still beli je la utk simpanan..nk beli tanah/rumah blum mampu sbab xde banyak cash..so i prefer this way la..
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I setuju sangat dengan pendapat ni..hi..hi..Memang kebanyakan product yang mahal, tak semestinya akan bagi result yang luar biasa. Kebanyakan product asasnya sama. Yang mahal tu kadang2 tambah la sikit2 extra ingredient nak bagi nampak hebat.
I ramai kawan2 yang pakai brand hebat2. Mahal2 sampai moisturizer sebotol kecik tu pun nearly rm 500..Tapi bila jumpa diorang depan2...kulit i yang pakai produk safi je pun...lagi elok.. Sori2..terpuji kulit sendiri..amponnn...
Kalau nak laburkan duit semata2 nak bayar marketing cost untuk product..go ahead la..Tu je nak cakap..Tapi setiap orang punya pilihan sendiri kan...hi..hi.
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salam uols..
nak tanya pendapat uols. kalau iols settlekan kereta guna saving ok tak? kereta baru beli setahun lebih. iols dah call bank, kalau settle sebelum tarikh bayar dapat less rm10k. tujuan nak settle sebab tak nak hutang lama-lama. of course bila guna saving, saving pun susut.bila dah settle kereta, iosl nak tingkatkan saving. apa pendangan uols semua? thanks. |
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bgus juga idea nk setel awal tu..so pasni xpyah nk pkir pasal hutang lagi..da boleh berlapang dada la pasni..
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mamajawie replied at 1-10-2020 03:18 PM
bgus juga idea nk setel awal tu..so pasni xpyah nk pkir pasal hutang lagi..da boleh berlapang dada ...
Letih nak bayar hutang.tempoh pinjaman pun maksimum |
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amik 9 tahun ye?xpe la awak ade rezeki guna duit saving better awak bayar lump sum je terus..plus boleh dpat diskaun klu bayar lump sum kalu xsilap..
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semalam call bank, dapat diskaun rm 10k kalau settle kan lump sum.
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Sikit lg 2.6 bilion xda Pula vote |
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thank you for sharing your financial journey, green tea. it inspires me to have a plan and start saving more.. i pun boros juge orangnya.. plan nak retire early tapi oleh kerana too many commitments tu yg kene tangguhkan dulu..
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i ada share dalam thread confession of an ex shopaholic... how i reduce keborosan... awal2 tu la byk tips.. hujung2 jadi discussion kecantikan plak hahahha
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Best nya baca thread ni. Very inspiring |
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tapi memang u ada stable income / side income monthly utk buat saving kaw2 mcam ni kan? i monthly harapkan duit keje je.. and bnyk potong sana sini untuk groceries & bills, haha nak tinggai sekerat lah saving.. pyh nak saving kalu dah bnyk commitments.. nak financial planning pun kene start dari awal umo 20an kan.. now umo i dah dekat middle age dah.. plan nak retire early pon kene pikiaq dua kali lah..
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Category: Wanita & Lelaki
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Post time 28-9-2020 05:32 PM
