Chinese
Color
Orange
Black
Blue
Purple
Green
Deep Blue
Laman Utama
Forum
Fokus
Semasa
Gosip Socmed
Infozon
Search
12889
View
147
Reply

Berapa Simpanan Anda Hari ini?

[Copy link]

Author: megan_pox       Show all posts   Read mode

Post time 8-5-2019 04:01 PM | Show all posts
Edited by aunty_onion at 8-5-2019 04:03 PM
julia5094 replied at 8-5-2019 10:03 AM
Aunty kerja ke? Saya buat loan asb. Sebagai back up. Kerja swasta ni bukan macam orang pencen. Tak ...

tu la.. kita kerja swasta ni kena fikir plan lepas bersara nanti.

i pon baru je ambik loan asb 200k last month. interest 4.9% and monthly repayment rm1100+ .
ok la since my car pon ngam2 baru habis bayar last month. so duit bayar kereta tu pakai untuk bayar loan ni pulak.

asb2 tak boleh nak buat loan dah sebab officer tu kata dah full.
so i bukak asb 2 account, transfer current saving in asb 1 pegi asb 2, and loan masuk kat asb 1.

my plan, loan kat asb 1 tu biar je dia beranak, dividen pon taknak kacau. ni for my retirement la kirenya.
and nak continue manual saving bulan2 kat asb 2 ni. ni for saving biasa rainy days etc.

ada jugak saving kat TH. tapi with current scandal and tahun lepas punya dividen pon sedih, ingat nak stop saving kat TH.
current amount bulan2 kat TH tu masuk asb je la.


Reply

Use magic Report

Post time 9-5-2019 02:55 PM | Show all posts
aunty_onion replied at 8-5-2019 04:01 PM
tu la.. kita kerja swasta ni kena fikir plan lepas bersara nanti.

i pon baru je ambik loan asb ...

Tu la kan aunty..saya pun ingat nak ambik lagi tahun ni..tapi memandangkan ekonomi malaysia pun makin menurun..takut pulak memikirkan dividen asb tahun depan. Tengok dulu macamana. Kalau tahun depan turun tak berapa banyak, boleh cover lagi pembayaran tahunan, boleh la nak tambah lagi. Tapi tahun ni pun tak boleh jugak nak tambah lagi, memandangkan anak 2 orang nak kena hantar tuition. Kereta ada satu tahun lagi kena bayar. Sementara kerja ni, ingat nak kumpulkan simpanan biar betul2 terjamin lepas pencen nanti.

Bagus aunty...jom kita pakat menyimpan...ada duit lebih, kita p travel lps pencen...ha..ha...
Reply

Use magic Report

Post time 9-5-2019 05:21 PM | Show all posts
Edited by green~tea at 9-5-2019 05:24 PM

i'm very bad in saving money bulan2... so i pun mmg forced saving..

masa awal2 keje bulan pertama i kerja, i mmg terus carum bulan2 masuk koperasi ofis (pencen baru dpt keluar), insurance savings... then i byk invest dekat property.. i beli tanah2.. beli rumah,..
invest kat my family owned resort...

then i bila gaji start meningkat, i amek ASB loan, retirement plan maybank (smartcash tu)...
this year me and my husband beli kedai 2 biji unit sebelah2.. actually he said its a wedding gift, tp heols bayar deposit je la.. bulan2 iols bayar... tp the twin unit tu weols sewakan to a good tenant, long term lease... monthly payment kitorg beli shoplot tu RM8.8k per month, tp sewa from tenant kitorang dpt RM19k .. its for our future lah, so the margin monthly tu bahagi 3... 1 utk dia, satu utk i, 1 utk anak2... utk secure tenant tu not easy... kena approach their directors, kita buat market study... and since its a long term lease, weols factor in the GDP and inflation rate... my husband dah muak uruskan property rumah2, sbb perangai tenant2 yang pelbagai... kalo commercial lot, tenant yang byk bertanggungjawab atas property tu...

my future plan im trying to work out with my brother is to have my own additional resort takmo share hak milik with my brother... nak bina atas tanah yang i bought during 1st year kerja dulu... tp in order to make this right, i kena attend courses to properly manage resort.. operationally and fiinancially... currently mmg harap kat my brother je la uruskan... huhuhu



Reply

Use magic Report

Post time 15-5-2019 09:36 AM | Show all posts
saya memang paksa diri buat simpanan tetap setiap bulan. tapi tak pernah lagi ambil loan asb tu
Reply

Use magic Report

Post time 15-5-2019 10:28 AM | Show all posts

Dah achieved target nak tambah savings 50k tahun nie...target rendah jer, cukup lah Alhamdulillah...

2019 next half year salary nak guna utk jalan2 UK dan Europe, total 3 trips this year. Nak belikan hadiah dan belanja org tersyg shopping kat UK. InsyaAllah...









Reply

Use magic Report

Post time 15-5-2019 03:33 PM | Show all posts
green~tea replied at 9-5-2019 05:21 PM
i'm very bad in saving money bulan2... so i pun mmg forced saving..

masa awal2 keje bulan pertama ...

kagummm i dgn u 1st year kerja terus beli tanah.
kat manaaaaa? ada tanah murah lagi tak hahaha

i regret zaman baru2 kerja duit habis asyik joli shopping je
Reply

Use magic Report

Post time 15-5-2019 04:03 PM | Show all posts
aunty_onion replied at 15-5-2019 03:33 PM
kagummm i dgn u 1st year kerja terus beli tanah.
kat manaaaaa? ada tanah murah lagi tak hahaha
...

its never too late sis to start anything... i dulu masa awal2 keje beli tanah kat kampung je... terengganu... it was RM45k for suku ekar.. and tanah getah RM70k for 7 ekar... that was wayy back in 2006.. i start keja early 2005... masa dulu2 gaji iols murah je... bersih 1k++ tp iol sewa rumah skali kengkawan RM150 sebulan skali bil2... pastu kereta iswara buruk RM200 installment sebulan... so i dpt saving 1k per month dulu2...  then i beli tanah.. i buat loan... dah abis pun payment loan tu alhamdulillah... takde niat nak menjual tanah tu coz i plan nak bina budget hotel and shoplots.. ni nak kena atttend courses utk manage homestay and hotel....

i pernah jatuh... 2017... my divorce year... mmg byk i rugi dari divorce tu... sbb bayar lawyer... 6 cases i kena submit kat court... its a long fight... tp alhamdulillah.. i mampu berjimat cermat and boleh bayar lawyer fee yang puluhan ribu tu tanpa berhutang...

Reply

Use magic Report

Post time 26-5-2019 09:27 AM From the mobile phone | Show all posts
zachuby replied at 15-5-2019 09:36 AM
saya memang paksa diri buat simpanan tetap setiap bulan. tapi tak pernah lagi ambil loan asb tu

I suggest uols amik ASB plan cos dividend dapat on loan amount wpon loan belum habis bayar. What you can do is on 1st year, pay from your own pocket money, then early of the year ada dividend then you g bank tu bayar lumpsum setahun punya loan amount.Then duit instalment  yg you ada tu you boleh plak save dlm TH ke/ASB2, selamat mencuba
Reply

Use magic Report

Post time 26-5-2019 09:31 AM From the mobile phone | Show all posts
aunty_onion replied at 15-5-2019 03:33 PM
kagummm i dgn u 1st year kerja terus beli tanah.
kat manaaaaa? ada tanah murah lagi tak hahaha
...

Yes, iols pun dolu2 asik nak sopping baju/kasut/hb, maklumlah darah muda + nak show off kat housemate.But after I delivered to my 1st child, rezeki agak luas, start beli rumah, save dlm ASB/TH, beli kereta then now alhamdulillah aset ada, savings ada HUTANG pun ada, balance sangattt hihi
Reply

Use magic Report

Post time 28-5-2019 10:13 AM | Show all posts
LostStar replied at 3-6-2018 09:08 AM
pena buat loan 10 k.. xsampai thn ke tiga da tutup.. dpt 3ribu lebih.. pastu buat 100k.. dapat d ...

Saya pun ade wat loan ASB ni tpi tk tahu nak berenti lps berapa tahun...kiranya pling minimum brape tahun dah dapat untong?mohon pencerahan ye
Reply

Use magic Report

Post time 28-5-2019 10:16 AM | Show all posts
green~tea replied at 15-5-2019 04:03 PM
its never too late sis to start anything... i dulu masa awal2 keje beli tanah kat kampung je... te ...

Kagum laa ngn Green ni...sy pun masuk keje 2005..tpi tk banyak aset mcm Green... asal Terengganu ek? ade kwn kate tanah kat Trg dh mahal skarang kn? sy ade jugak bli tanah tapi tkde buat rumah ke hape...heheh...nk buat loan rumah takut belanja lain terpaksa bercatu...
Reply

Use magic Report

Post time 2-6-2019 02:12 PM From the mobile phone | Show all posts
Edited by green~tea at 2-6-2019 02:53 PM
serikaya8080 replied at 28-5-2019 10:16 AM
Kagum laa ngn Green ni...sy pun masuk keje 2005..tpi tk banyak aset mcm Green... asal Terengganu e ...


Thank you seri...  i byk beli tanah awal2 keje dulu sbb arwah my mom kerja pejabat tanah terengganu.. so dia selalu org2 kg approach nak jual tanah murah2...  so i dgn adik i beli la tanah2 tu.. adik i pun keje O&G..

Tanah2 tu byk sgt berjasa... sebahagian tu weols dah jual utk bina beach resort 25 rooms dekat terengganu, started operation 2013.. tanpa loan hokeh... i dgn adik i JV 50-50%... skang ni ayah iols duk kampung makan hasil untung resort tu je... ada plan nak kembangkan resort tu.. i nak buat resort 23 rooms with 8 shoplots kat another tanah pantai yg i beli back in 2006, this one i tanak JV, i nak build 100% pakai modal i dgn advice husband on how to get the grant and loan..  
Reply

Use magic Report

Post time 3-6-2019 03:50 PM | Show all posts
bestnya baca diorang ni berjaya menyimpan..huhu...diriku jugak yang tewas...
Reply

Use magic Report

Post time 21-6-2019 02:41 PM | Show all posts
wah, ramai tol simpanan berpuluh beratus ribu ni..meollss baru sebulan dua ni nak start menyimpan setelah setahun lebih bekerja tu pn ade la blum smpai rm5k..komen2 korang ni sngat membina..harap meollss istiqomah nk menyimpan cm korang..huhu..

so far yang aku menyimpan kat ASB biasa, ASM3 (yg student U dpat free dlu tu) & KFH sbab monthly dividen..plus start bulan ni meollss main kutu duit n kutu emas smpai bulan 10 ni je so total simpanan bulanan 25% dari gaji..meollss try guna 50% (debt+expenses): 25% (daily expenses): 25% (fixed saving)..doakan meollss berjaya ye family forumer sekalian..
Reply

Use magic Report

Post time 21-6-2019 03:01 PM | Show all posts
burning_ash replied at 3-6-2019 03:50 PM
bestnya baca diorang ni berjaya menyimpan..huhu...diriku jugak yang tewas...

tau xpe..meollss terasa kerdil lak sbab meollss ade simpanan pn sikit je..tapi tu la masih ade masa lagi nak menyimpan sbab meollss percaya biar lambat daripada xpernah langsung..meollss sebelum ni banyak simpanan smpai la rm12k b4 kawen dlu sbab byak simpan gold bar tapi dek darah muda asyik nak beli rumah b4 kawen last2 kne buang keje pastu lak penjual suka main tarik tali..burn duit deposit+consent kerajaan negeri+legal fees n disbursement dekat rm15k (duit saving cash+pajak goldbar)..nangis xberlagu weyh n tahun lepas pun meollss nak beli rumah tapi pun sama nasib xmenyebelahi meollss end up duit perabih rm5k (nasib xbyak sebab loan xllus tapi surat consent da lapse)..last2 laki meollss cakap baki depo dlm rm11k tu bahagi dua n ktorang wt side income memasing dan plan kembangkan duit tu dlm jgka masa 5 tahun ni utk beli tanah/rumah..

kadang terasa ralat n sedih sebab meollss ni cm payah nak beli rumah smpai burn duit tau..harap pasni meollss dpat la saving balik n invest in property lak..kalu dok pkir2 pasal dua kali nk beli rumah tu boleh kemurungan tau..hmmm
Reply

Use magic Report

Post time 2-7-2019 09:52 AM | Show all posts
sy xbyk pn saving walaupun dh kje almost 8years..yg ade saving kt TH, investment dr insurance policy & rumah baru beli.. ni pn rase semput nk byr semue..   nk ambik asb loan tp dgn ekonomi mcm ni..takut xmmpu nk byr..
Reply

Use magic Report

Post time 11-7-2019 04:39 PM From the mobile phone | Show all posts
Kagum uols byk saving.

Iols ada asb/ahb/shares jeeee. Tu pun xsmpai 20k total semua
Reply

Use magic Report

Post time 16-7-2019 02:58 PM | Show all posts
still tak banyak saving walaupun da keja berbelas tahun, kadang simpan2 jugak..tarik - tarik jugak...aduhaiiii
Reply

Use magic Report

Author
 Author| Post time 19-7-2019 01:22 PM From the mobile phone | Show all posts
Threadku rupanya..simpanan ku setengah juta..

Hutang yg masih ada

Rumah rm250k
Kereta rm80k

Reply

Use magic Report

Post time 7-8-2019 12:21 PM | Show all posts
green~tea replied at 9-5-2019 05:21 PM
i'm very bad in saving money bulan2... so i pun mmg forced saving..

masa awal2 keje bulan pertama ...

Bagus greantea ni berpandangan jauh..iols tak boleh nak meyimpan sgt dulu sbb start kerja pun bila dah ada 3 anak. U know la bila dah ada 3 anak tu berapa nak bayar bulan2 untuk nursery dan property kat penang ni sgt expensive. Nasib baik la husband beli rumah sebelum kawin. Lepas ni bila komitmen bayaran kereta dah habis...nak beli rumah kat ganu..nak buat homestay. Tapi chuols rasa better beli teres @ kondo ada swimming pool untuk buat homestay. Tapi ganu ada ke kondo w. swimming pool??


Reply

Use magic Report

You have to log in before you can reply Login | Register | Facebook Login

Points Rules

 CARI App
Get it FREE Google play
 Twitter
 Instagram
cari_infonet
FOLLOW
Copyright © 1996-2019 Cari Internet Sdn Bhd All Rights Reserved(483575-W)
Private Cloud provided by IPSERVERONE
0.089893s Gzip On
Quick Reply To Top Return to the list