Cuba check antara kesalahan kita dalam menyimpan;
1. savings dalam akaun bank yg sama ngan gaji/ daily expenses..
jawabnya saving tu x bertambah, sbb terwithdraw masa tak cukup duit
letak duit simpanan dalam akuan yang lain..especially akaun yang susah nak withdraw mcm tbg haji...
2. 'buat keluar savings bila rasa tak cukup duit/ ada kecemasan
prinsip dalam savings: jgn sesekali 'WITHDRAW' duit kalau alasannya'tak ade duit'
savings sepatutnya for long term ( buat bisnes/nak kahwin/further study)- yg perlu belanja yg BESAR, to avoid PERSONAL LOAN..
in case of emergency, advised to have 'tabung kecemasan'..every month put aside some money for that...tak adelah kelam kabut jika terjadi apa-apa2.
3. belanja dulu, kalau ada lebih baru simpan
sepatutnya, kene fix every month utk saving...at least 10% from your salary, dapat gaji, put aside utk saving first, then yang lebih tu baru belanja...
4. Cut saving
then kalau you need to adjust/slash your financial planning, jgn reduce your saving amount...
cut expenses lain dulu...saving should be maintain...
we should add saving, not CUT it
Sunday, April 18, 2010
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment