Jom self-reflect ❤️
Tips ini diambil daripada buku Travelog Emas karya Hj Hafizul Hakim.
Buku ini bukan berkisar tentang simpanan emas sahaja. Sebaliknya beliau banyak menyentuh tentang cara2 penjagaan kewangan dan beliau bahagikan kepada kategori umur 20an, 30an dan 40an. Bahasa yg sangat mudah dan tips2 pun senang untuk difahami.
Now cuba kita lihat 10 Tanda Kewangan yang Sihat dan buat analisa diri. Dalam banyak2 tips yg diberi, saya paling suka tips terakhir:
Setiap orang perlu ada mentaliti 'save first, spend later'.
Moga mendapat manfaat daripada tips ini ❤️
#financialtips
#debtfreeliving
#bedahbuku
#simpananemas #simpandanlupakan
Tips ini diambil daripada buku Travelog Emas karya Hj Hafizul Hakim.
Buku ini bukan berkisar tentang simpanan emas sahaja. Sebaliknya beliau banyak menyentuh tentang cara2 penjagaan kewangan dan beliau bahagikan kepada kategori umur 20an, 30an dan 40an. Bahasa yg sangat mudah dan tips2 pun senang untuk difahami.
Now cuba kita lihat 10 Tanda Kewangan yang Sihat dan buat analisa diri. Dalam banyak2 tips yg diberi, saya paling suka tips terakhir:
Setiap orang perlu ada mentaliti 'save first, spend later'.
Moga mendapat manfaat daripada tips ini ❤️
#financialtips
#debtfreeliving
#bedahbuku
#simpananemas #simpandanlupakan
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
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