Plan Kewangan 2015

baby_pingu

Nih topik untuk plan kewangan uols untuk tahun 2015

Boleh update jugak progress kat sini kalau rajin

Boleh refer balik plan kalo tetiba nanti tgh2 tahun rasa mcm a bit terbabas dr initial plan













kredit nanti mintak kat momod..iols udah resigned

mdhelmi

plannya bykkan invest emas dan main forex huhu

skyreds

update 2014...

saving alhamdulillah hampir 30% per annum
berjaya la jugak melencung..

2015..to be cont as 2014

bayar rumah..20%
Loan kereta & maintanance...15%
wife n parents...15%
monthly expenses...25%
monthly saving...25%

InsyaAllah

baby_pingu

next year nak simpan duit utk pindah umah plak..
saving 2014 abes byr dp umah n transfer title umah sekarang
simpan punya lama..abes sekelip mata

Saving utk pindah umah: 1K p/month
Saving TH: 350 p/month - tutup mata, potong gaji
Saving budak kecik - 50 p/month; topup at least 1 dinar utk koleksi heols by end of year
Emergency: 250 p/month, (kalo ada emergency n takleh cover backup plan mintak kat hasben )
RoadTax+Ins kereta: 150 p/month
Emas KFH: topup 12 gram by end of year
AHB: Nak topup at least another 1000 by 2015

Nak reduce expenses kat shopping menyopping..no more credit card
Nak close 2 card, tak guna pon, rugi ja byr RM50 kat gomen

Plan nak tambah income: mempergiatkan usaha mintak promotion dr boss

wan_fizah

2015 -----> nk achieve 12 months salary saving.

liyanur

tahniah yg berjaya manage kewangan dgn baik....
jeles baca...dh byk kali try tp selalu tersasar.....
bkn sbb boros tp cepat kesian kt adik beradik yg memerlukan....
tp tahun ni nk try lg...mana tau kot2 murah rezeki memasing...

midori888

2015 akan kuarkan savings around rm100k for tuition fees, cost of living, flight tickets, barang2 keperluan study...etc...etc...

Harap dpt simpan balik rm100k or atleast 70% of it by end of year 2015...

Acong

plan 2015....... sama dgn 2014..........

simpan duit & beli rumah & sewakan.......

ulang proses sampai muntah........

lurve82

plan kewangan 2015...

yg lain2 sama mcm thn lpas..penambahan..

TH = rm150
ASB = dah surrender thn lpas
tanah = rm1500
tadika anak 1st = rm500

thn ni mintak naik 44...tgh tggu interview...lpas tu next mth start ajar tuisyen...rm900/month..duit utk jln2...harap 2015 ada rezeki anak2...

mujer_in_espejo

Sedang menanti forumer lain komen.. sy pnya segan nk kongsi simpanan korg semua hebat

aechae

tggu gaji januari bru bleh plan

Prags

tunggu laporan dividen ASB2 pada 1 April 2015 nti..klu bagus cdg nk mohon rm200K

krukx

lurve82 replied at 11-1-2015 12:36 PM
plan kewangan 2015...

yg lain2 sama mcm thn lpas..penambahan..

Boleh share tak macam mana u buat part time tiusyen? Buat kat rumah ke kat tiusyen centre? Macam menarik idea tu

lurve82

krukx replied at 17-1-2015 05:58 PM
Boleh share tak macam mana u buat part time tiusyen? Buat kat rumah ke kat tiusyen centre? Macam m ...

abg dgn akak ipar ada pusat tuisyen...so hakak mengajar di situ la...sblm ni pernah buat 1 by 1 di rumah...tp mls pulak nk cari student sndr...akak ipar mintak tlg jua sbb takde sape blh ajar add math...tp klu ko nk ajar 1 by 1 mudah jah...ko buat flyers lpas tu hantar rumah ke rumah..upah org la..klu xrajin nk hantar sndr...charge biasa rm60/hour....utk 1 student tu max 2 jam semggu...so sebln dh rm480 utk sorg student...begitulah hakak buat dulu dik dr hakak study degree smpi dah ada anak2 nih...cuma sblm nih hakak rehat 3thn xbuat...ni nk start balik...

krukx

lurve82 replied at 18-1-2015 12:42 AM
abg dgn akak ipar ada pusat tuisyen...so hakak mengajar di situ la...sblm ni pernah buat 1 by 1 di ...

RM60 sejam tu rate sekarang ke kak? Rate tu untuk budak sekolah rendah ke menengah? Pastu untuk setiap subjek rate lain2 ke semua sama je...maaf ya kak saya banyak tanya..

midori888

krukx replied at 18-1-2015 02:38 PM
RM60 sejam tu rate sekarang ke kak? Rate tu untuk budak sekolah rendah ke menengah? Pastu untuk se ...

Pnh engage personal tutors for my bro...i carik tutors online....ada few website...u can google...i lupa dah nama dia....just google home tutors bole kot...kat website tu kita bole pilih2 tutors or kalu nak register ngan diorg as tutors pun bole...

some tutors put their rates siap2 lam profile...last year i dpt chemistry spm tutor for 40rm per hour.

Biasa seblum confirm nak amik tutors i minta diorg dtg try ajar dulu....kalu ok, baru kita amik...

krukx

midori888 replied at 20-1-2015 05:18 PM
Pnh engage personal tutors for my bro...i carik tutors online....ada few website...u can google... ...

Thanx midori888 sebab share info

midori888

krukx replied at 20-1-2015 05:29 PM
Thanx midori888 sebab share info

good luck finding tutors job...i think this is a good part time job ada org buat full time jugak....kalu u pemeriksa kertas exam2 yg penting bole letak rate tinggi...i pnh hired, U student, cikgu, org dah kerja dlm bidang tu dan buat part time mengajar, bekas pemeriksa kertas SPM.

midori888

tak jd kuarkan savings 100k. Plan nak simpan sikit2 from Jan 2015. Target 100k by Sept 2015. Harap berjaya, insyallah....amin....

system_failure

hei Encik Pingu.. awat resigned?
tarik telinga kang...