Mari Berjimat Cermat

theflyinglady

Since kebelakangan ni the cost of living has been going up and up, I was wondering if maybe we could share ideas on how to cut expenses and save more money.  By reading the posts on this forum, I know that most of you are doing quite well financially, but wouldn't it be great to be able to trim your budget.  It seems like there's a movement of frugal living in the USA,Australia and also other countries, maybe we can join the bandwagon.  Here are some tips to get the ball rolling taken from http://www.fool.com/foolu/askfoolu/2002/askfoolu020709.html :

• Plan your shopping according to what's on sale - Selalu saya check catalogue for different stores sebelum pegi shopping at the beginning of the week
• Most things will be on sale at some point. Wait for your favorite brands, especially non-perishables such as toilet paper or canned goods, to go on sale -- then stock up - Kalau ada yang murah beli banyak sekali, atleast enough till the next time the price drops, but not applicable for perishable items
• Don't shop for food on an empty stomach - Makan kenyang2 sebelum pegi shopping
• Don't shop without a list of what you need to buy, and stick to the list - Kalau tidak nanti terbeli benda yang tak perlu
• Compare prices per unit on what you buy. Sometimes a bigger container is the better bargain, sometimes smaller is better - Tak semestinya pek besar lagi murah, beware of this.
• Buy high-quality items. They tend to last longer and serve you better - Terutamanya macam kasut, beg, jeans, etc
• Ask yourself if you really need whatever you're about to buy. Maybe you do really want it, but you can put off the purchase for a while - Selalunye bukan keperluan tapi kehendak
• Buy store brands when possible, not name brands - Sometimes they are as good as the big brands
• When you're itching to get out of the house for a meal, consider going on a picnic rather than going to a restaurant. You'll save money, and you'll enjoy the great outdoors - Maybe boleh buat barbeque or potluck dengan kawan2. Bestnye.

Other fav websites:  http://moneycentral.msn.com/smartbuy/home.asp and http://www.msmoney.com/home.htm

Saya sebenarnye rase seronok bile dapat save duit, walau tak banyak.  What I do is to try and cut down on my spending each month as much as possible.  It can get quite addictive.

Maybe boleh tambah tips lain yang lebih spesifik, e.g. a good place to buy groceries, or when to shop for hari raya stuff etc.

pu3_krizalid

mmg barang skang mahal..kalo bwk 50 tu leh beli sikit je..stail haku yg tak berkemampuan ni beli lauk cam kat tesco ke..tetiap minggu ader offer..beli byk sikit..ayam beli 2 ekor..ikan kat sana kekdg sekilo tak sampai 5 henget..ko choose la ikan tu..but make sure ko mkn la ikan tu..pastu cam brg mandian haku suka beli yg beso2..so thn 2 bulan or 3 bulan..kalo ader anak kecik parah sikit..sbb pampers je dah 100 pastu susu lak..mmg pening..  haku nyer keyword beli secara pukal n kurangkan aktiviti window shopping. .

yaszz

gud tips.. masalahnya nak gi shopping tak hengat dah tips2 nih... main taram jer
Tp beli menda with gud quality tu I hv to agree...

faraway

gud tip tapi agaknya camana nak tahan diri dari membeli barang yang tak tertulis
dalam list barang kena beli..

theflyinglady

Thanks for replying to my post.  Saya ni baru kat sini so rasa excited sangat :pompom: :pompom: .

Pasal impulse buying tu memang susah sangat nak control.  Saya pun macam tu jugak dulu.  Maybe it will help kalau kita ada motivation atau specifis goal untuk simpan duit such as a vacation.  So each time kite rasa nak beli benda yang takde dalam list, stop and think which is more important, benda tu ke, atau vacation at the end of the year.  More money saved means more money for the vacation.

LostSoul

yup, setuju.. esp yg no. 8.. thats why i like tesco... eheh..

Cretin.Penguin

Heya, 'lil botet.....  Nak iklan gak...  hehehhe, most ppl don't know that Tesco's own hot chocolate powder is far superior than any nicely packaged branded hot-choc powder....  

Anyway, penat le baru balik dari tolong kat bawah untuk mesyuarat agong persatuan penduduk ni....  Jap lagi nak kena turun mesyuarat lak...    Dah tiba2 kena jadik ahli "task force" for security around here...     Cuz, only a handful was present so everybody have to volunteer....

LostSoul

ekekekkeke... dah kata dah.. awk tu ati baik.. musti nak tolong..

Cretin.Penguin

Abis tu, takkan nak buat muka bodo & terus jalan je?  Just one guy there arranging tables & chairs.  Sumpah...  Takde awek pun kat situ...  

baby_boy

aku save jek sumer duit syiling yg balance2 tuh...xley pakai..especially duit 50sen yg besor tuh..simpan jek..dh bayk masuk bank..

kire ade gak r saving kn..walaupon seposen..

my-alja

Originally posted by pu3_krizalid at 26-4-2008 09:42 AM
When you're itching to get out of the house for a meal, consider going on a picnic rather than going to a restaurant. You'll save money, and you'll enjoy the great outdoors - Maybe boleh buat barbeque or potluck dengan kawan2. Bestnye

..

realitinya, tak mudah nak buat benda nie dgn cuaca panas kat m'sia ...nak tunggu kul 5 kebawah, baru nak set up BBQ pit...dah lah hujan tak tentu hala sekarang nie..

crowd pun kena pilih gak....silap haribulan, ramai volunteer bawak perut kosong drp potluck
btw....kami punya BBQ potluck next week on saturday by the pool side

sarahmirza

Barang dah naik harga tapi gaji tetap di takuk lama. Just imagine, after 20 years, gaji fresh graduate  masih lagi RM1.8k . Abang senior engineer grad oversea 20thn lalu beritahu gue starting gaji dia fresh dulu pun RM1.8k juga. Gue dulu lagi worst, lepas grad gaji RM1.3k shj. Asyik nak budget shj, sampai bila?

[ Last edited by  sarahmirza at 26-4-2008 03:04 PM ]

eastrun

thats right

sarahmirza

Originally posted by my-alja at 26-4-2008 01:05 PM


realitinya, tak mudah nak buat benda nie dgn cuaca panas kat m'sia ...nak tunggu kul 5 kebawah, baru nak set up BBQ pit...dah lah hujan tak tentu hala sekarang nie..

crowd pun kena pilih g ...

Semalam we all bru je bbq dari pukul 3:30pm sampai 7:30pm tepi corniche. Temperature 32degree C tapi tak merimaskan sebab cuaca panas kering bukan panas lembab macam kat Msia.

my-alja

Originally posted by sarahmirza at 26-4-2008 03:27 PM


Semalam we all bru je bbq dari pukul 3:30pm sampai 7:30pm tepi corniche. Temperature 32degree C tapi tak merimaskan sebab cuaca panas kering bukan panas lembab macam kat Msia.

tu yg lemah tu sarah, humid sgt...
i suka buat BBQ masa duk luar dulu, memang miss....pasang gazebo kat belakang rumah, siap dgn tent....tidur kat belakang rumah ...balik duk sini, cuma ade balcony

braincell

Originally posted by theflyinglady at 25-4-2008 10:02 PM
Since kebelakangan ni the cost of living has been going up and up, I was wondering if maybe we could share ideas on how to cut expenses and save more money.  By reading the posts on this forum, I ...

Prinsip amalan bersederhana itulah yang harus diterapkan dalam diri, tidak kiralah waktu kos penghidupan semakin meningkat ataupun tidak. Antara Keperluan dengan Keinginan. Itulah pertimbangan yang senantiasa harus diawasi.

aiva

Berikut Jadual Bulanan yang dibuat untuk perbelanjaan bulanan, sekurang-kurangnya kita tahu di mana perginya duit kita tiap-tiap bulan:

Pendapat Bulanan
1. Gaji bersih bulanan =
2. Komisen / Bonus =
3. Elaun =
4. Bisnes =
5. Pendapatan Sewa =
6. Lain-lain

Deposit Simpanan
1. Premium Insurans =
2. Potongan Simpanan/Pelaburan =
3. Potongan ASB / Saham Amanh
4. Potongan Tabung Haji =

Bayaran Pinjaman
1. Pinjaman Rumah =
2. Pinjaman kereta =
3. Pinjaman Peribadi =
4. Pinjaman ASB =
5. Kad Kredit =
6. Bisnes =

Belanja Perjalanan
1. Petrol / Tambang Perjalanan =
2. Parking & Tol =
3. Servis & Baik pulih =

Bil & Langganan Bulanan
1. Bil Air =
2. Bil TNB =
3. Bil Telekom & Internet =
4. Bil Handphone =
5. Gas =
6. Bayaran Maintenance =
7. Langganan Bulanan =

Belanja Sara Hidup
1. Makanan & Barang Dapur =
2. Children =
3. Wife =
4. Shopping by credit card =
5. Hiburan/ Hadiah / derma =
6. Perubatan / Penjagaan diri=
7. Belanja Sekolah / Nursery =
8. Duit untuk Ibubapa=
9. Sukan / Hobi =
10. Balik Kampung / Percutian =
11. Lain-lain =
12. Lain-lain =

Belanja Tahunan(dibahagi 12)
1. Insurans kereta & Cukai Jalan =
2. Cukai Pintu / Insurans Rumah =
3. Lain-lain =

Credit Card use this month=
Insurans=

Lebihan / Defisit =

Jumlah Pendapatan=
Jumlah Perbelanjaan=

jihah

member2 jihah slalu ckp, kalu nk gi shopping kena bwk jihah. sbb jihah akan make sure kn diorg xbeli brg melalut..  
xtau nape, tp setakat ni mmg jihah suka window shopping tp iman kuat lg la...
slalunye bila gaji masuk je, trus jihah byr duit kete, pinjaman asb, dn umah.. balance nye, beli brg keperluan. patu tiap2 ari beringat jgn nk perabis duit tu. satu lagi, jgn guna credit card kalu rase gaji xbyk mana (cam jihah.. heheh..)
lg, kalu brg keperluan jihah beli kt mydin, murah la ckit. kalu ada sale kt mana2 beli byk sekali gus. kdg susu anak ada 5-6paket. pampers pun tunggu sale n beli byk terus..
brg2 make-up, hand bag, kasut pun tunggu sale baru jihah beli.. kain baju pun sama, beli time nk sale raya.
tapi wpun dh jimatcemana pun kalu gaji ciput mmg payah nk bajet dh.. so, jgn nk beli brg yg bukan keperluan. kalu rasa mampu pakai kete kancil, jgn la beli kete waja..

lg satu slalu la bersedekah. jihah kan ada problem ckit bulan nih.. MIL mtk beli mesin basuh sbb dh rosak, nk tukar peti ais mak sendiri pun sbb dh rosak n nk byr road tax kete.. pening jihah ari tu sbb xtau mana nk cari duit. untuk peti ais n road tax mmg jihah dh simpan ckit2 dari awal. tp mesin basuh xde bajet la.. so, jihah decide nk kuar duit asb (yg sekian lama xpenah wat kuar). wpun susah camne pun permintaan mak n my MIL kena jihah tunaikan... kalu bleh tangguh mmg jihah mtk tangguh tp dh benda rosak kn..
tetiba, bila check gaji xtau mana datang duit rm700. mybe duit tunggakan elaun ngajar budak khas kot. alhamdulillah...  
satu lg, sbb jihah ngajar budak2 khas kekdg diorg xbwk duit (ni salah mak bapak diorg la..), ada yg makan xingat dunia.. cikgu2 khas ni slalu la kuarkan duit sendiri blanja budak2 tu, bukan byk pun setakat berapa sen je. tp hati kena ikhlas n rasa kesian kt bebudak tu la.. (kdg2 marah gak kalu tiap2 ari xbwk duit  :@ . cikgu pun gaji takat mana la sgt..)

antiQue

Originally posted by Cretin.Penguin at 26-4-2008 12:13 PM
Heya, 'lil botet.....  Nak iklan gak...  hehehhe, most ppl don't know that Tesco's own hot chocolate powder is far superior than any nicely packaged branded hot-choc powder....  

Anyway, penat ...

Hmm... kena try juga gamaknya hot choco Tesco ni

masnina

aku sekarang dah stop tesco menesco ni.. sb kalau pegi sebulan sekali beli barang, mesti habis dlm 500-600 utk stok sebulan (lom masook basah) padahal cumahlah dua org.. maklomlah bila pi tempat selesa ni asyik nak dudok lama2, pastu terbeli bende2 tak perlu esp my hubby

so sekarang ni i dah tukar plan.. barang2 dapor beli secara mingguan kat pasar runcit dekat2 dgn rumah. sekali beli habis 100 je, sebulan 400 je iaitu bahan basah & kering. jimat 200 sebulan. duduk kat pasar tu pon sesak berjimpit dgn org, so tak leh duduk lama2 kat situ, asyik nak balik cepaattt jek... berkesan cara ni