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Saving money is the biggest challenge 4 me, senang cakap easier to say than done.....yups that true...aku selalu duk blablabla...dengan my hubby...money nie liquid macam air betui....kejap jer hilang dalam wallet...try to stop my self to ...picit my ATM card...fuhhhh sungguh tak berjaya... Money n Money........ bila lah aku sugguh2 nak saving secara serius nie....invest..saving insurance...etc....tu jer ke cara nyer?Caranya aku tahu..stop to window2 shopping time lunch hour tu jer cara aku boleh stopkan diRi aku to spend ntah apa2...keep dicipline...yaaaaaa!!!!GOGOGO!!!! (bukan window shopping at last jadi the real shopping) kihhhhkihh
Just willing to share How to save money....(PERINGATAN UNTUK AKU N orang2 macam aku)
Steps
1) Set savings goals. For short-term goals, this is easy. If you want to buy new Hp, find out how much it costs; if you want to buy a house, determine how much of a down payment you’ll need. For long-term goals, such as retirement, you’ll need to do a lot more planning (figuring out how much money you’ll need to live comfortably for 20 or 30 years after you stop working), and you’ll also need to figure out how investments will help you achieve your goals.
# Ok set...setakat nie benda yg ader dalam kepala otak aku yer lah.......3 in One Printer(Print blh,Scan blh,Copy Boleh).......Buat skit renovation kat rumah aku ler (kitchen area, change window..aper erk?)...n lagi lepas nie akan disenaraikan
Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money. Once the money is freed from debt payment, it can easily be re-purposed to savings. ( Nie penting ler sesangat) Killing segala hutang!!! Last year aku berjaya to settle up...Bak Islam credit card outstanding...keep one bank bank 4 emergency...hehehee oklah lah just one bank kan...n one more bank on the way to close this year Maybank hahhaah.........tamatlah riwayat kad aku tu..puas hati beta!!!!
2) Establish a timeframe. For example: "I want to be able to buy a house two years from today." Set a particular date for accomplishing shorter-term goals, and make sure the goal is attainable within that time period. If it’s not attainable, you’ll just get discouraged.
3) Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period. For example, if you want to put a $20,000 down payment on a home in 36 months (three years), you’ll need to save about $550 per month every month. But if your paychecks amount to $1000, it might not be a realistic goal, so adjust your timeframe until you come up with an approachable amount.
4) Trim your expenses. Take a good, hard look at your spending records after a month or two have passed. You’ll probably be surprised when you look back at your record of expenses: $300 on ice cream, $100 on parking tickets? You’ll likely see some obvious cuts you can make. Depending on how much you need to save, however, you may need to make some difficult decisions. Think about your priorities, and make cuts you can live with. Calculate how much those cuts will save you per year, and you'll be much more motivated to pinch pennies.
Can you move to a less expensive apartment or house? Can you refinance your mortgage?
- Nak pindah mana lagi memang sebijik jer umah aku...refinance dah buat pun last 2 year...n skg nasib baik EPF buat payment bulan2, so hubby boleh keep his money sebab selama nie memang dia yg bayar rumah...bab rumah aku just tolong duduk jer....maintain nyer hubby aku ler...heheheheh
Can you consolidate your debts so that you're not paying as much interest?
Saper2 yg ader kat credit tu kalo agak2 nak tutup tak nak guna balik...aku advice the outstanding balance tu korang buat lah term loan/refinance back boleh kurangkan interest just 6% per annum jer......#aku bukan agent
Can you save money on gas, or give up a car altogether? If your family has multiple cars, can you bring it down to one?
Gas?jarang masak...weekends jer....car altogether..memang satu kereta jer pool ngan hubby satu company...nak risau apa.....
Can you drop a land line and only use your cell phone?
Kat rumah memang tk pakai tel line pun....dah ader hp wat per nak susah2
Can you cut down on your utility bills?
cubalah jimat air n api...cuba222
Can you restrict eating out? Buy food in bulk? Cook more at home? You might be able to save a lot of money on food.
Tang yg nie......lemah sikit....memang duit aku melayang tang makan jer......kat office nie...pagi makan tengahari makan petang pun duk makan......balik malam makan lagi......................mana laki aku tak membesar hahahahahah
4) Make a budget. Once you’ve managed to balance your earnings with your savings goals and spending, write down a budget so you’ll know each month or each paycheck how much you can spend on any given thing or category of things. This is especially important for expenses which tend to fluctuate, or which you know you're going to have a particularly hard time restricting. (E.g. "I will only spend $30 a month on movies/chocolate/coffee/etc.")
5) Stop using credit cards. Pay for everything with cash or money orders. Don't even use checks. It's easier to overspend when you're pulling from a bank or credit account because you don't know exactly how much is in there. If you have cash, you can see your supply running low. You can even bundle up the predetermined amount of cash allocated for each expense with a label or keep separate jars for each expense (e.g. a bundle/jar for coffee, another for gas, another for miscellaneous). As you pull money from a jar for that particular expense, you'll see how much remains and you'll also be reminded of your limit.
If you need to have credit cards but you don't want the temptation of having them available to use day-to-day, restrict that section of your wallet with a note or picture reminding you of your savings goals.
Remember: cards are not inherently evil; it's all about your self control. If you use them responsibly (i.e. completely pay them off every month), you can benefit from them, as some cards offer cashback on the purchases you make.
If you are particularly responsible, a credit card can earn you additional money by allowing you to delay the payment of items, keeping that cash in the bank earning interest for up to an additional month. For larger bills, such as college tuition, this additional interest can add up. For example, paying a $5,000 tuition bill with a credit card will allow you to keep that $5,000 in a money market account with a 4% interest rate for an extra month, earning you $16.67 in interest. Note: this only works if you have the cash on hand to pay the bill IMMEDIATELY when due.
6) Know where your money is. And how much of it, too. If you accidentally overdraw your bank account, you will incur hefty bank fees; worse yet, the place you paid with that check may slap a bounced check fee on top of that, and send the check in again, resulting in a second overdraft fee from the bank! So just a few cents missing to cover that check could result in over $100 in fees. To avoid that, you should always know how much money you've got in your account(s), so you never cut a check for more than what you have.
7) Pay yourself first. Savings should be your priority, so don’t just say that you’ll save whatever’s left over at the end of the month. Deposit savings into an account (or your piggybank) as soon as you get paid.
You can set up an automatic transfer from your checking account to your savings account.
Many employers allow you to deduct savings from your paycheck. The money is directly deposited in your savings account so you never even see it on your paycheck.
You can also have investments for retirement taken directly out of your pay, and the taxes may be deferred with this option.
SAVING!!!!!!
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