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Saving: Berapa % daripada income?

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Author: baby_pingu       Show all posts   Read mode

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Post time 31-3-2012 06:43 PM | Show all posts |Read mode
So berapa average saving daripada income per month?

Mostly dah ada potong epf 11%, tp yg tuh masuk retirement fund..so yg tuh tak kira ye..

n camna korang pastikan saving nih dilakukan every month? potong directly dr gaji ka? transfer siap2 ke akaun berkaitan on the day dpt gaji ke?
or tunggu ujung bulan bila ada duit lebih?
Multiple Polls: ( Max 5 choices ), Total 134 Users voted
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Post time 31-3-2012 08:28 PM | Show all posts
dh jawab poll dh... so far ok bleh saving..tp kekadang emergency pkai gakk..hehhehe
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 Author| Post time 31-3-2012 09:19 PM | Show all posts
Some good read regarding saving

The Ten Worst Money Mistakes Anyone Can Make
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Post time 31-3-2012 10:42 PM | Show all posts
zaman memula start keje dulu aku leh mengsaving sehingge >50%

skrg ni dah dlm range kategori no 3 tu...
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Post time 31-3-2012 11:37 PM | Show all posts
ada 5 tahun saving in case worst scene senario happen (kene pecat/benti keje, company tutup, accident, ect)...

better prepare...
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Post time 1-4-2012 11:42 AM | Show all posts

Saving: Berapa % daripada income?

Simple financial planning rule..
60,20,20

60% untuk expenses(36% ada lah untuk debt payment)

20% untuk saving,protection

20% fix saving..duit yang xboleh sentuh(serious money money for retirement)..

Just a cent from me.;-)


(posted by mobile)
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Post time 1-4-2012 11:46 AM | Show all posts
x menentu.. ada bln bole byk. ade bulan sakit sket, xle saving byk. yg penting ASB jgn usik..kuikuikuikui..
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Post time 1-4-2012 06:46 PM | Show all posts
Time dok dengan family, dapat save >50%. Bila dok sendiri dapat save 40-50% je. Selalunya dapat gaji terus masukkan dalam tabung haji. Susah ckit nak withdraw duit sebab kena pakai buku
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 Author| Post time 1-4-2012 06:54 PM | Show all posts
Reply 7# saffianoprada


    ASB tuh mmg fixed kan every month ka?
berapa % utk asb saja?
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 Author| Post time 1-4-2012 06:55 PM | Show all posts
Reply 8# aLieNzDaToR


    sbb dok sendiri lagi byk komitment kan?
selalu berapa % dr gaji masuk ke TH?

aku buat potongan gaji jer utk TH..so duit tuh mmg tak sampai ke tangan lah, trus masuk ke akaun...
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Post time 1-4-2012 07:03 PM | Show all posts
Reply 10# baby_pingu


    time dok dgn family, rumah takyah bayar. cuma bayar bil ckit2 je. Makan pon free. P keje pon siap bawak bekal lagi

bila dah dok sendiri, macam2 barang makanan nak kena beli. bayar rumah lagi, bil2. Lagipon sbb nak kawen kena la save btol2.

Selalunya save dalam 50% la dari gaji. Tapi dalam 2-3 bln ni, banyak duit kena keluar utk beli barang persiapan, dapat save dalam 30-40% je
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 Author| Post time 1-4-2012 07:10 PM | Show all posts
Reply 11# aLieNzDaToR


    wahh..nak tawen...congrats



p/s: beli brg persiapan kat mana?
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Post time 1-4-2012 07:37 PM | Show all posts
erm camana kalau nak vote ni?kalau insurans tuh kira sekali tak untuk % investment? or we just need to consider duit cash yg kita bank in dalam akaun simpanan?
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Post time 1-4-2012 07:39 PM | Show all posts
Reply  aLieNzDaToR


    sbb dok sendiri lagi byk komitment kan?
selalu berapa % dr gaji masuk ...
baby_pingu Post at 1-4-2012 18:55



    u buat potongan gaji baper sebulan pergi ke TH tuh? ada kena extra charge tak?
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Post time 1-4-2012 07:42 PM | Show all posts
Reply 11# aLieNzDaToR


    byk juga kan u leh saving eventhou u tinggal sendrik..half of your salary....pandai u manage your money.. can share some tips?
anyway..congrats on your wedding..
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 Author| Post time 1-4-2012 07:49 PM | Show all posts
Reply 14# termignoni


    tak potong byk..around 3% ja..
takde kena charge pun, free of charge..cuma duit tuh lambat lah nak masuk kat TH..selalunya mid month camtuh baru dia reflect kat transaction history.
tapi tak kisah lah lambat pun, sbb kalo tunggu aku nak simpan sendiri entah2 ada yg terbabas...

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 Author| Post time 1-4-2012 07:51 PM | Show all posts
Reply 13# termignoni


    insurans tuh consider saving ek? bleh la kot kira sekali...
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Post time 1-4-2012 07:56 PM | Show all posts
Reply 16# baby_pingu


    i guna maybank2u kalau nak masukkan duit dalam tabung haji dengan ASB ..once salary masuk terus i  masukkan..kalau nak masuk dalam TH mahal skit , Maybank charge 1.50 n TH pun 1.50 x silap i..
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Post time 1-4-2012 07:57 PM | Show all posts
Reply 17# baby_pingu

depends.. to me it's one of the investment..cos nanti bila sampai tempoh matang ..we can get  some amount back.. although not fully..
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 Author| Post time 1-4-2012 07:58 PM | Show all posts
Reply 18# termignoni


    owh..mahal gak tuh...tapi still ok lah kot daripada drive pegi kaunter TH..

kompeni takde buat perkhidmatan potong gaji ke? so nanti payroll yg deduct siap2 n masukkan kat TH..
so tak perlu risau2 dah..just sit back n relax..tiap2 bln tgk potongan kat payslip..hikhik
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