Managing Your Finance- Du It Now before Its Too Late

Bismillah..

Ketika coretan ini ditulis saya baru selesai membaca short note on Managing Your Money by Uncle Robert Kiyosaki..Walaupun merupakan graduan  Finance tetapi banyak juga yg saya revise dan pelajari  dari short note ini. 22 mukasurat ini .Graduan Finance not necessary you know well to manage your finance because you learn the theory you learn all the formulas but you never learn the life financing..Anyway I'm not in Financing industry now..something different from what i graduated before I'm in education line that's why now I'm sharing what I learn from the notes..

Malam begini ketika semua dah beradu barulah nak ulangkaji  apa yg perlu dibaiki dan ditambah baik. From this note it suggest that you should pay your self first when you get  your paycheck ..emm how many of you is doing this thing ? What is the first thing you do when you get your paycheck?? Pay your bill? pay your credit card?? settle the loans?? never rewards yourself?? That's why at the end you feel so frustated..your salary just  to cover all the utilities...then you started swap all the credit cards  while waiting at the months ends.. What a sad ending..do you think so?? Who is in this situation??? You?? I'm too in the list..

So now how to do it??? Lets do the cash flow..Kunci Kira-Kira..cuba senaraikan satu persatu yg masuk dan yang keluar..then senaraikan juga apa keperluan setiap bulan.ada kad kredit?? berapa yg anda bayar untuk satu ..dua.tiga..sepuluh?hu..hu banyaknya...Hidup berhutang xda maknanya biar bergaya asal papa?? Jangan diikut ajaran sesat nie ya...!! Hutang yang x dibayar tu akan tergantung roh di langit nanti bila roh meninggalkan jasad yg bernyawa .. Ya Allah terima kasih hutang saya dan keluarga selesai ..Ameen

Eliminate all those unwanted or unnecessary things that not suppose to be in the list. Contohnya kalau belanja pasar sebulan 250 boleh dikurangkan ker 200 dgn memotong membeli jajan seperti ais cream, coklat.cakes etc yang x berkenaan.Beli sayur berlebihan hingga layu n busuk..beli apa yg patut jer..

Credit card could kill you slowly so choose the credit card yg cover minimum for example you have Bank Islam 3k then you have MBF 4k try to settle yg minimum bayar secara konsisten set the target 3k - 10 months so monthly 300 kalau dah settle yg 300 tu top up pula untuk settlekan MBF  pulak ya.. This could not achieve in 1-2 months so plan dear. If  You Fail To Plan You're Planning To Fail..istiqamah do it slowly but never stop..

Stop talking about expenses..now we talk on your earnings how much do you get monthly?  First as suggest you reward yourself but do not reward 100% of your salary then in one day you  a BROKE!! You need to do 3 things once your you get cash on  your payday 

1) Self reward -10%

2) Sedeqah -10%

3) Saving 10%

Why you need Self reward? penat ma kerja sebulan xkan nak bayar bill jer then melopong tengok kawan pakai handbag baru, kasut baru..baju baru..u lak dok bayor hutang..This is to motivate you supaya extra work so next time you can reward yourself more..contoh if your passive income bulan nie you beli kasut next month you want buy new handbag lak yg 10% extra from the shoes price so you trigger to get more. passive income

Sedeqah...weh duit tak da boleh sedeqah ker?Saper kata dgn sedeqah u jadi miskin?? Sedeqah lah yg akan menyuburkan rezeki..xkan berkurangan sedikit pun percayalah..xda duit senyumlah kan sedeqah..membaca al-Quran dan Zikir yg didengar oleh ahli keluarga juga sedeqah..memberi nasihat pun sedeqah.berkongsi ilmu pun sedeqah..Hutang bertimbun mcmana nak sedeqah.The power of sedeqah nie xterjangkau dek akal..kalau hutang 10k sedekahlah 1k..walau hutang belum bayar kerana Allah lebih mengetahui..

"Dan pada harta-harta mereka ada hak untuk orang miskin yang meminta dan orang miskin yang tidak mendapat bahagian:  Surah Ads Dzaariyaat :19

Saving..start saving with small amount Uncle Robert not touch this issue but  I learn through my journey of life..for example satu hari you spent about RM5 so hari tu puasa maka masukkanlah RM5 dalam tabung yg kita panggil ANGSA EMAS..second what you can do setiap kali gaji kita siap2 transfer ker satu akaun yg kita rasa xwujud pun ( you punya akaunlah..jgn akaun xwujud) akaun yg u xingat pun ada duit dalam tu..so  jgn intai2 or jeling2 bila duit dah kering.tau!! melalui pembacaan saya juga dapat ilmu nie lipat duit RM50/RM100 bentuk 3 segi..selit dalam purse n selit kat bantal  yg u tidor tu so secara tak langsung dapat energy duit tu..kaya..kaya.kaya..Alhamdulillah...

Other suggestion setiap malam kosongkan purse duit yg ada RM2-3 masukkan dalam Angsa Emas tu..

Selamat mencuba ya

esok masih hari tasyrik tak boleh puasa tau..jgn pula buat gemukkan Angsa Emas sebab Puasa!!

Menuju Destinasi OKB - Orang Kaya Bertakwa

Astagfirullah

Salam 11 Zulhijjah