The 50/30/20 rules ni adalah basic financial planning yang sangat mudah untuk kita apply dlm kehidupan seharian.
It's super simple and pretty straight forward just split kan income kpd 3 main categories:
🏠 50% for needs
👜 30% for wants
💰20% for savings
Needs - loan kereta, loan rumah, bills, insurans takaful, duit minyak, duit makan, sedekah
Wants - budget for entertainment, shopping, makan luar, self rewards
Savings - emergency fund (3-6 bln gaji), retirement fund, kid's education fund, etc.
Tips!
1. Bila dah debt-free dan tiada hutang, maintain 30% Wants and allocate kan lebihan duit gaji kepada Savings.
2. Bila dah cukup emergency fund, fokus kepada investment to grow your savings. Boleh compare returns yang boleh anda dapat daripada pelbagai instrument kewangan i.e fixed deposit, Tabung Haji, ASB, unit trust, Simpanan Emas, saham, crypto etc. Pilih investment yang anda ada ilmu. Melaburlah dengan ilmu, jangan sampai lebur.
3. Always always live below your means. Tak perlu kisah 'apa orang kata'. Kita lebih arif tentang kedudukan kewangan kita kan. Kalau gaji mampu pakai Myvi, so be it. Janji sampai destinasi!
4. Some people categorize sedekah under Wants but i personally put it under Needs so it becomes mandatory for me.
A friend shared this quote on her socmed which serves as a beautiful reminder for everyone:
'When God blesses you financially, don't raise your standard of living. Instead raise your standard of giving!'
Have a blessed long weekend everyone!
Share jika bermanfaat 🤞
#financialtips #budgetingandplanning #financialplanning #debtfreeliving
It's super simple and pretty straight forward just split kan income kpd 3 main categories:
🏠 50% for needs
👜 30% for wants
💰20% for savings
Needs - loan kereta, loan rumah, bills, insurans takaful, duit minyak, duit makan, sedekah
Wants - budget for entertainment, shopping, makan luar, self rewards
Savings - emergency fund (3-6 bln gaji), retirement fund, kid's education fund, etc.
Tips!
1. Bila dah debt-free dan tiada hutang, maintain 30% Wants and allocate kan lebihan duit gaji kepada Savings.
2. Bila dah cukup emergency fund, fokus kepada investment to grow your savings. Boleh compare returns yang boleh anda dapat daripada pelbagai instrument kewangan i.e fixed deposit, Tabung Haji, ASB, unit trust, Simpanan Emas, saham, crypto etc. Pilih investment yang anda ada ilmu. Melaburlah dengan ilmu, jangan sampai lebur.
3. Always always live below your means. Tak perlu kisah 'apa orang kata'. Kita lebih arif tentang kedudukan kewangan kita kan. Kalau gaji mampu pakai Myvi, so be it. Janji sampai destinasi!
4. Some people categorize sedekah under Wants but i personally put it under Needs so it becomes mandatory for me.
A friend shared this quote on her socmed which serves as a beautiful reminder for everyone:
'When God blesses you financially, don't raise your standard of living. Instead raise your standard of giving!'
Have a blessed long weekend everyone!
Share jika bermanfaat 🤞
#financialtips #budgetingandplanning #financialplanning #debtfreeliving
The 50/30/20 rules ni adalah basic financial planning yang sangat mudah untuk kita apply dlm kehidupan seharian.
It's super simple and pretty straight forward just split kan income kpd 3 main categories:
🏠 50% for needs
👜 30% for wants
💰20% for savings
Needs - loan kereta, loan rumah, bills, insurans takaful, duit minyak, duit makan, sedekah
Wants - budget for entertainment, shopping, makan luar, self rewards
Savings - emergency fund (3-6 bln gaji), retirement fund, kid's education fund, etc.
Tips!
1. Bila dah debt-free dan tiada hutang, maintain 30% Wants and allocate kan lebihan duit gaji kepada Savings.
2. Bila dah cukup emergency fund, fokus kepada investment to grow your savings. Boleh compare returns yang boleh anda dapat daripada pelbagai instrument kewangan i.e fixed deposit, Tabung Haji, ASB, unit trust, Simpanan Emas, saham, crypto etc. Pilih investment yang anda ada ilmu. Melaburlah dengan ilmu, jangan sampai lebur.
3. Always always live below your means. Tak perlu kisah 'apa orang kata'. Kita lebih arif tentang kedudukan kewangan kita kan. Kalau gaji mampu pakai Myvi, so be it. Janji sampai destinasi!
4. Some people categorize sedekah under Wants but i personally put it under Needs so it becomes mandatory for me.
A friend shared this quote on her socmed which serves as a beautiful reminder for everyone:
'When God blesses you financially, don't raise your standard of living. Instead raise your standard of giving!'
Have a blessed Friday everyone!
Share jika bermanfaat 🤞
#financialtips #budgetingandplanning #financialplanning #debtfreeliving
It's super simple and pretty straight forward just split kan income kpd 3 main categories:
🏠 50% for needs
👜 30% for wants
💰20% for savings
Needs - loan kereta, loan rumah, bills, insurans takaful, duit minyak, duit makan, sedekah
Wants - budget for entertainment, shopping, makan luar, self rewards
Savings - emergency fund (3-6 bln gaji), retirement fund, kid's education fund, etc.
Tips!
1. Bila dah debt-free dan tiada hutang, maintain 30% Wants and allocate kan lebihan duit gaji kepada Savings.
2. Bila dah cukup emergency fund, fokus kepada investment to grow your savings. Boleh compare returns yang boleh anda dapat daripada pelbagai instrument kewangan i.e fixed deposit, Tabung Haji, ASB, unit trust, Simpanan Emas, saham, crypto etc. Pilih investment yang anda ada ilmu. Melaburlah dengan ilmu, jangan sampai lebur.
3. Always always live below your means. Tak perlu kisah 'apa orang kata'. Kita lebih arif tentang kedudukan kewangan kita kan. Kalau gaji mampu pakai Myvi, so be it. Janji sampai destinasi!
4. Some people categorize sedekah under Wants but i personally put it under Needs so it becomes mandatory for me.
A friend shared this quote on her socmed which serves as a beautiful reminder for everyone:
'When God blesses you financially, don't raise your standard of living. Instead raise your standard of giving!'
Have a blessed Friday everyone!
Share jika bermanfaat 🤞
#financialtips #budgetingandplanning #financialplanning #debtfreeliving
https://www.instagram.com/reel/Cadg5Q2BwDp/?utm_medium=copy_link
Don't be shock part 2 😄
(Tgk reels yer hihi)
Situasi ni sebenarnya agak common. Hari ni gaji masuk, hari yang sama berderet2 gaji keluar semula.
Itu adalah normal. Sebab kita perlu bayar segala komitmen dan hutang yg ada. Bil hp, bil letrik, loan keta, loan rumah, insurance diri, insurance anak2, yuran kafa, yuran mengaji (saya ajar sendiri hihi), yuran bas, duit poket sekolah, groceries, ehh banyaknya it's like a never-ending list gitu (boleh sambung sendiri 😄).
Pastu kalau tiber bulan tu lah road tax nak mati, insurance keta pun nak mati, lesen expired, cuti sekolah nak balik kampung, nak pi staycation, nak bawa anak makan keluar, birthday anak, eh birthday mak pun bulan yang sama, yada yadaa...haaa lagi berderet list dlm excel file kita tu.
Hence untuk memastikan gaji masih bertahan dan berbaki hingga ke next cycle gaji, bayarlah diri sendiri dulu baru bayar orang lain. Simpan dulu savings, baru pi kayakan orang lain. Lepas tolak savings dan segala keperluan wajib tadi, baru tgk betul ke ada lebih nak pi mkn restoran sedap, nk pi holiday, etc. Mungkin mula2 plan nk pi duk Doubletree, skali tgk byk pula komitmen nk bayar bulan ni, terpaksa downgrade kepada Palm Garden je..ha gitu la contohnya 😄
Hidup sentiasa perlukan certain trade-offs. Pernah dgr trilemma? You cannot be getting all the 3 things without letting go any one of them. Gitu konsepnya.
Dah start buat budgeting blom? Kalo belum cepat buat. It works wonders percayalah 🥰
- kak Yati -
Pencinta Excel version biashe2 bukan Advanced tu 🤣
#budgetingandplanning
#budgetingtips
#financialgoal
#financialtips
#emasasetmasadepan
#jomsimpanemas
#bajet
#DealerPublicGold
#SimpananEmas
#tipskewangan
#simpanemasuntukmasadepan
Don't be shock part 2 😄
(Tgk reels yer hihi)
Situasi ni sebenarnya agak common. Hari ni gaji masuk, hari yang sama berderet2 gaji keluar semula.
Itu adalah normal. Sebab kita perlu bayar segala komitmen dan hutang yg ada. Bil hp, bil letrik, loan keta, loan rumah, insurance diri, insurance anak2, yuran kafa, yuran mengaji (saya ajar sendiri hihi), yuran bas, duit poket sekolah, groceries, ehh banyaknya it's like a never-ending list gitu (boleh sambung sendiri 😄).
Pastu kalau tiber bulan tu lah road tax nak mati, insurance keta pun nak mati, lesen expired, cuti sekolah nak balik kampung, nak pi staycation, nak bawa anak makan keluar, birthday anak, eh birthday mak pun bulan yang sama, yada yadaa...haaa lagi berderet list dlm excel file kita tu.
Hence untuk memastikan gaji masih bertahan dan berbaki hingga ke next cycle gaji, bayarlah diri sendiri dulu baru bayar orang lain. Simpan dulu savings, baru pi kayakan orang lain. Lepas tolak savings dan segala keperluan wajib tadi, baru tgk betul ke ada lebih nak pi mkn restoran sedap, nk pi holiday, etc. Mungkin mula2 plan nk pi duk Doubletree, skali tgk byk pula komitmen nk bayar bulan ni, terpaksa downgrade kepada Palm Garden je..ha gitu la contohnya 😄
Hidup sentiasa perlukan certain trade-offs. Pernah dgr trilemma? You cannot be getting all the 3 things without letting go any one of them. Gitu konsepnya.
Dah start buat budgeting blom? Kalo belum cepat buat. It works wonders percayalah 🥰
- kak Yati -
Pencinta Excel version biashe2 bukan Advanced tu 🤣
#budgetingandplanning
#budgetingtips
#financialgoal
#financialtips
#emasasetmasadepan
#jomsimpanemas
#bajet
#DealerPublicGold
#SimpananEmas
#tipskewangan
#simpanemasuntukmasadepan
Tips ni penting 🔥
Sebab ramai anak muda terjerat kerana hutang kereta yang berlebihan. Ramai juga yang 'muflis' kerana hutang ini.
Boleh check 2 tips penting ni dan do a quick self-check:
1. Harga kereta tak boleh lebih 12x drpd gaji. Contoh gaji RM2,000 boleh beli kereta harga dlm RM24k sahaja.
2. Hutang/loan kereta tak boleh lebih 15% drpd gaji. Contoh gaji RM3,000 loan kereta mesti kurang RM450. Kalau lebih, anda berada dalam situasi kewangan yg bahaya atau tidak sihat.
Jika mampu beli kereta besar tapi buat keputusan pakai kereta kecil yang lebih murah, itu lebih baik sebab kita ada lebihan wang gaji setiap bulan untuk savings/sedekah/sinking fund/etc.
Moga bermanfaat ❤️
#tipsbelikereta
#tipskewangan
#financialtips
#financialgoal
#budgetingandplanning
#PersonalFinance
#anakmuda
Sebab ramai anak muda terjerat kerana hutang kereta yang berlebihan. Ramai juga yang 'muflis' kerana hutang ini.
Boleh check 2 tips penting ni dan do a quick self-check:
1. Harga kereta tak boleh lebih 12x drpd gaji. Contoh gaji RM2,000 boleh beli kereta harga dlm RM24k sahaja.
2. Hutang/loan kereta tak boleh lebih 15% drpd gaji. Contoh gaji RM3,000 loan kereta mesti kurang RM450. Kalau lebih, anda berada dalam situasi kewangan yg bahaya atau tidak sihat.
Jika mampu beli kereta besar tapi buat keputusan pakai kereta kecil yang lebih murah, itu lebih baik sebab kita ada lebihan wang gaji setiap bulan untuk savings/sedekah/sinking fund/etc.
Moga bermanfaat ❤️
#tipsbelikereta
#tipskewangan
#financialtips
#financialgoal
#budgetingandplanning
#PersonalFinance
#anakmuda
The 50/30/20 rules ni adalah basic financial planning yang sangat mudah untuk kita apply dlm kehidupan seharian.
It's super simple and pretty straight forward just split kan income kpd 3 main categories:
🏠 50% for needs
👜 30% for wants
💰20% for savings
Needs - loan kereta, loan rumah, bills, insurans takaful, duit minyak, duit makan, sedekah
Wants - budget for entertainment, shopping, makan luar, self rewards
Savings - emergency fund (3-6 bln gaji), retirement fund, kid's education fund, etc.
Tips!
1. Bila dah debt-free dan tiada hutang, maintain 30% Wants and allocate kan lebihan duit gaji kepada Savings.
2. Bila dah cukup emergency fund, fokus kepada investment to grow your savings. Boleh compare returns yang boleh anda dapat daripada pelbagai instrument kewangan i.e fixed deposit, Tabung Haji, ASB, unit trust, Simpanan Emas, saham, crypto etc. Pilih investment yang anda ada ilmu. Melaburlah dengan ilmu, jangan sampai lebur.
3. Always always live below your means. Tak perlu kisah 'apa orang kata'. Kita lebih arif tentang kedudukan kewangan kita kan. Kalau gaji mampu pakai Myvi, so be it. Janji sampai destinasi!
4. Some people categorize sedekah under Wants but i personally put it under Needs so it becomes mandatory for me.
A friend shared this quote on her socmed which serves as a beautiful reminder for everyone:
'When God blesses you financially, don't raise your standard of living. Instead raise your standard of giving!'
Love,
Kak Yati
#financialtips #budgetingandplanning #financialplanning #debtfreeliving
It's super simple and pretty straight forward just split kan income kpd 3 main categories:
🏠 50% for needs
👜 30% for wants
💰20% for savings
Needs - loan kereta, loan rumah, bills, insurans takaful, duit minyak, duit makan, sedekah
Wants - budget for entertainment, shopping, makan luar, self rewards
Savings - emergency fund (3-6 bln gaji), retirement fund, kid's education fund, etc.
Tips!
1. Bila dah debt-free dan tiada hutang, maintain 30% Wants and allocate kan lebihan duit gaji kepada Savings.
2. Bila dah cukup emergency fund, fokus kepada investment to grow your savings. Boleh compare returns yang boleh anda dapat daripada pelbagai instrument kewangan i.e fixed deposit, Tabung Haji, ASB, unit trust, Simpanan Emas, saham, crypto etc. Pilih investment yang anda ada ilmu. Melaburlah dengan ilmu, jangan sampai lebur.
3. Always always live below your means. Tak perlu kisah 'apa orang kata'. Kita lebih arif tentang kedudukan kewangan kita kan. Kalau gaji mampu pakai Myvi, so be it. Janji sampai destinasi!
4. Some people categorize sedekah under Wants but i personally put it under Needs so it becomes mandatory for me.
A friend shared this quote on her socmed which serves as a beautiful reminder for everyone:
'When God blesses you financially, don't raise your standard of living. Instead raise your standard of giving!'
Love,
Kak Yati
#financialtips #budgetingandplanning #financialplanning #debtfreeliving