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Author: green~tea

Sindrom H.E.N.R.Y... uolz pernah terjebak?

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Post time 17-8-2021 11:12 PM From the mobile phone | Show all posts
Kupucandy replied at 17-8-2021 04:55 PM
Sapa2 yg ada pengalaman dan ilmu mcm mana nak growkan our savings, share2lah ilmu kat sini:lovelines ...

aku guna konsep 'frugal living'

dan,
jika bulan ini ada duit extra 500, aku bt x nampak je 500 tu, simpan tabung, kalau nk guna pun mgkin max 100-150..

dgn itu duit saving akan bertambah dr semasa ke semasa..

kebanyakan org skrg ni, klu ada duit xtra, hbs dibelanjakan even x perlu pun...pantang ada duit lebih..

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 Author| Post time 17-8-2021 11:14 PM From the mobile phone | Show all posts
matjerk replied at 17-8-2021 11:11 PM
Akibat bertegas.. maka hilang dan putus lah sikaturahim.
Itu lah lumrah dunia..
Hutang / duit p ...


Betul la. I pun kena boikot lamaaaa sgt.. ada i edit my reply kat atas... i pun ada masalah tu dulu..

Dengan adik i plak, mujur dia ada common sense sbg ketua keluarga... dah banyak dia berdikari sendiri dan bertegas jaga harta dia.. ye lah, utk anak bini dia juga...
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 Author| Post time 17-8-2021 11:15 PM From the mobile phone | Show all posts
Edited by green~tea at 17-8-2021 11:49 PM
b_n_c replied at 17-8-2021 11:12 PM
aku guna konsep 'frugal living'

dan,


Nak duit beranak pinak, mmg kena SABAR.. sabar dari berlanja mengarut.. sabar dari mengusik saving yang tengah compounding... sabar bertahun2...

I pun remind diri sendiri nih.. senang je nak tergelincir jadi HENRY balik.. pressure dan hasutan di mana- mana
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 Author| Post time 17-8-2021 11:18 PM From the mobile phone | Show all posts
matjerk replied at 17-8-2021 10:50 PM
Eh ada jugak erk selain dari manusia2 yg i kenal ni...
Mmg selayaknya di ex kan u... jenis nak  ...

Sakit ati plak baca citer ni.. uolz takleh bitch slap ke abang tak sedor diri tuh?
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 Author| Post time 17-8-2021 11:20 PM From the mobile phone | Show all posts
Buritan replied at 17-8-2021 10:58 PM
Cite hang mcm cite aku.. tp cite aku tak libatkan duit sgt.. tp lebih kpd kederat.. org mmg suke a ...

Sisss.. ada sorang i kenal tu.. dalam byk2 beradik, sheols je surirumah... tak keje hebat.. setiap kali berkumpul raya or puasa or sebarang cuti panjang.... sheols la pagi petang siang malam duduk bertungkus lumus masak kat dapur je... waktu dia rehat hanyalah waktu solat...

Adik beradik dia ckp apa tau? Kitorg dah sponsor duit groceries and bagi mak.. since ko tak keje, ko sumbang laa kederat
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 Author| Post time 17-8-2021 11:25 PM From the mobile phone | Show all posts
matjerk replied at 17-8-2021 11:11 PM
Akibat bertegas.. maka hilang dan putus lah sikaturahim.
Itu lah lumrah dunia..
Hutang / duit p ...

Sbb tu iols takut nak posting apa2 kat soc med, kat mana2... apa2 pun hanya husband i & adik i & SIL (wife adik) je tahu details... kitorang sama2 aim nak build family legacy....
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Post time 17-8-2021 11:28 PM From the mobile phone | Show all posts
Pernah… waktu tu kerja oversea for almost 10 years.. asyik nk travel dan beshopping je. Kumpul handbag dan jam. Sampaila i lost my job then tefikir mcm dah telalu lambat untuk menyesal. Now slow2 pick up balik untuk savings.
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Post time 17-8-2021 11:31 PM From the mobile phone | Show all posts
green~tea replied at 17-8-2021 11:14 PM
Betul la. I pun kena boikot lamaaaa sgt.. ada i edit my reply kat atas... i pun ada masalah tu d ...

Yup. Common sense tu penting. Ada family..yg dibesarkan dgn mindset..family always number one.. hang berbini pun one day.. kena utamakan mak n adik2 jugak... so menyebabkan laki mcm ni.. letak anak bini dia number dua.. mak n adik2 dia number satu...laki yg x de rasional thinking.. n commin sense... kerna telalu taksub dgn kehendak mak  n adik2..
Klu biasa tgk 90day fiance...pasangan  aselue n kalani.. aselue dari samoa... kalani american.. budaya keluarga aselue jenis suka minta duit gak..  mak n adik dia dok paw duit anak/abg diaorang... walaupun aselue tu keje pembantu je... tp rules mak dia... ko kena bg duit kat aku..supaya Tuhan bless hidup ko...dgn anak masih kecik.. kete rosak... byk pakai duit..bila dia jwb x dpt bg duit.. mak dia suruh jual kereta tu... supaya boleh bagi duit kat dia.. vavi betol! So si aselue ni dok mengecek kat bini dia... 1k dolar.. utk bg kat mak dia... nak jugak tu fullfiled kehendak mak..kakak pulak dok hasut... suruh bagi gak kat mak.. 1k..500 x mau.
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 Author| Post time 17-8-2021 11:36 PM From the mobile phone | Show all posts
Edited by green~tea at 17-8-2021 11:38 PM
234126 replied at 17-8-2021 10:55 PM
iol syukur before 40 takda hutang dah. Bayar bill telepon je la  api air part laki contribute. Dia ...


Sis nombor... is good you have covered the important chunk of financial planning... dah tutup segala hutang, frugal living... i admire you and your husband discipline...

And lagi satu kita kena aware, yang financial planning ni ada 6 component lain, not only wealth management.. seelok2 nya kita cover all 6...

1. Wealth creation - income  lah, from your employment or your business.. tp kalo takde this one you kena ada yang part wealth accumulation tu for passive income

2. Wealth protection - protection of your physical asset, protection of your income... INSURANCE

3.  Wealth accumulation - unit trust, shares, properties, ASB, FD (passive income)

4. Wealth management - cash flow management, taxation, buat spreadsheet income-expenses projection

5. Wealth distribution - Amanah, Hibah, Wasiat, harta sepencarian

6. wealth purification - derma, zakat
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Post time 17-8-2021 11:37 PM From the mobile phone | Show all posts
Idk i ada sindrom henry ni or not. Tp dulu duit gaji i n husband banyak habis pada rumah n kereta and bercuti oversea (takla around the world) and staycation every month. Kat batu feringghi je selalunya . Rumah n kereta tak banyak pun kena bayar dalam 5k something. Kereta i just pakai kete german.

So awal tahun ni kami decide untuk beli rumah yg murah about 2k saja per month. Rumah yg before ni kami jual. At first bukan sebab komitmen tinggi tapi lebih kepada perasaan tak best. Sebab makin lama jiran renovate rumah depa makin merapu dengan design buruk di mata i. Serious tak best sgt perasaan balik rumah tengok design rumah sekeliling dah caca marba.

So bila dah jual rumah ni n bayaran bulanan hanya 2k saje mmg banyak lebihan duit gaji untuk disimpan.
Now i happy+ more cash+less tired bila mengemas.

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 Author| Post time 17-8-2021 11:42 PM From the mobile phone | Show all posts
melinda_kerr replied at 17-8-2021 11:28 PM
Pernah… waktu tu kerja oversea for almost 10 years.. asyik nk travel dan beshopping je. Kumpul hand ...

Is okay.. better late than never.. kot orang nak bercerita membongak2 kat u pun, u tak heran dah.. been there, done that... khuenss... nak accumulate wealth awal2 tu je sangkak sikit.. sedar2 3-4 years down the road, u sendiri terkejut dgn apa yang u dah achieved.
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 Author| Post time 17-8-2021 11:45 PM From the mobile phone | Show all posts
vee_zara replied at 17-8-2021 11:37 PM
Idk i ada sindrom henry ni or not. Tp dulu duit gaji i n husband banyak habis pada rumah n kereta an ...

I seee.. pandai you consolidate your financials and life.. there's nothing wrong duk rumah with sufficient space for your family... kita yang nak duduk aman dan tenang kat situ... kita yang hari2 hadap situ..
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Post time 17-8-2021 11:53 PM From the mobile phone | Show all posts
in my early 20s
been there done that
travelling, splurging on high end brands for begs
shoes make-up fine dining haute couture
only girl in the family, so very pampered
when i met my husband
dia ckp dia cuma mampu beri ni ni ni
out of his own pocket, dia takmo use my money
he can not afford to give me the life that i was accustomed to, i kena telan my huge ego
it wasn’t easy in early days
as I tend to splurge alot and pamper him
and our offsprings

ada turning point and I thanked Allah for it
for paving the way to start and give more
to those less fortunate, we start to built our
tabung akhirat more
i started to declutter my life
i no longer envy friends who has more
and are more lavish

org tgk i mcm less than b40 and i am ok with that
tudung baju semua bertahun pakai
dah tak follow fashion sgt

apart from kerja hakiki
i am doing online biz too
insyaAllah all our offsprings have a house
on their own name each
nak continue to higher education or
nak kahwin even
i have build up their funds

i am more at peace with myself, kami tengah tunggu
jemputan Allah utk mengerjakan Haji pula
doakan yer

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Post time 17-8-2021 11:54 PM From the mobile phone | Show all posts
green~tea replied at 17-8-2021 11:45 PM
I seee.. pandai you consolidate your financials and life.. there's nothing wrong duk rumah with su ...

Masa we decide nak jual old house bising juga my pil and family in law. Typical minded kan sampai tanya kami takde duit ke nak bayar. Belah i okay je. Both my parent takde question lebih2 pun.

Tapi sampai sekarang rasa tak percaya kami masih boleh jual rumah waktu covid ni. Sebab ramai juga yg nak jual rumah especially di kalangan peniaga yg terkesan.

Yup, kita nak rasa tenang je bila balik rumah. Now i duduk rumah yg tak boleh renovate exterior. Agak jauh juga dari family but i dont care anymore.
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Post time 17-8-2021 11:58 PM From the mobile phone | Show all posts
matjerk replied at 17-8-2021 10:00 PM
I ols nak cerita kisah relatives aku... dia ni t20 lah... keje kat obersea... mak dia ada pencen arw ...

Ya Tuhan, aku pulak yg sakit dada baca kisah ni.
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Post time 18-8-2021 12:06 AM From the mobile phone | Show all posts
bagus la thread ni, dulu time before lockdown mmg selalu pergi brunch spending kurang rm100 every weekend, keluar dengan kawan lagi, membazir betul la. right now dah pregnant, i tak kerja, husband thankfully dah sediakan rumah. igtkan lockdown boleh jimat tapie endup spend money in food grab sekali sehari rm40 membazir nyaaa. kitaorang dah arrange sikit channel kn  montly income kt wahed, ada saving accs & ni prepping for baby. we enter weekly class jugak join saham tapi mmg kena consistent

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 Author| Post time 18-8-2021 12:09 AM From the mobile phone | Show all posts
OsHiN_hOnEy replied at 17-8-2021 11:53 PM
in my early 20s
been there done that
travelling, splurging on high end brands for begs


Nak queue haji cepat, bleh letak min simpanan 25k each (maybe pasni TH revise increase amount ni sbb musim covid less people, cost naik... then buat surat rayuan... insyaAllah dpt cepat...
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Post time 18-8-2021 12:09 AM From the mobile phone | Show all posts
green~tea replied at 17-8-2021 11:20 PM
Sisss.. ada sorang i kenal tu.. dalam byk2 beradik, sheols je surirumah... tak keje hebat.. setiap ...

Lps tu yg mak dia paling sayang yg mana? Yg sumbang kederat ke..yg sumbang duit..
Aku ada gak kenal sorang mak mcm ni...
Anak dia yg bg duit ribu riban tu lah yg meniti niti nama dibibir dia dipuja puji. Siap ckp...dlm byk2 anak dia. .x boleh lawan yg ni sorang... anak dia ni duduk sekangkang kera je dgn dia... tp bila raya... time makanan dah berhidang ..baru smpai anak menantu cucu2 kesayangan dia ni... yg duduk jauh hala dari dia ni dikerah2 balik awal2..sbab kena tlg dia masak ... pukul 4am dah bangun... bila menjelang pagi... dah letih nak berehat.. nak kena layan tetamu plak.... termasuk kena layan tetamu vvip.. iaitu anak menantu cucu dia sendiri yg dtg mkn je tu..habis makan..pinggan pun x basuh...  sbb mak dia x bg basuh... suruh kuli2 kat dapur ni basuh ...  yg paling x dpt menyumbang kewangan... tp menyumbang kederat... x rehat langsung...dari pagi snpai ke malam... periuk belanga rumah semua dia kemas smpai cuci kilat.. x de pun dihargai.. x de pun disebut2... jgnah kita menjadi ibu bapa yg mcm ni..
Hargai lah setiap anak..sayang lah mereka sama rata...
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 Author| Post time 18-8-2021 12:11 AM From the mobile phone | Show all posts
matjerk replied at 18-8-2021 12:09 AM
Lps tu yg mak dia paling sayang yg mana? Yg sumbang kederat ke..yg sumbang duit..
Aku ada gak ken ...


Sadly... mak dia paling sayang yang paling menunjuk kaya.. sembang je lebat, duit pun takde laa banyak kasi pun... mcm beradik lain kasi tetiap bulan so accumulate tu jadi byk lah, tp yang sorang ni hanya kasi time raya puasa sekali tu je kasi duit raya RM5k seketul.. kasi depan semua orang cash tu...
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 Author| Post time 18-8-2021 12:18 AM From the mobile phone | Show all posts
Edited by green~tea at 18-8-2021 12:24 AM
vee_zara replied at 17-8-2021 11:54 PM
Masa we decide nak jual old house bising juga my pil and family in law. Typical minded kan sampai  ...


Honestly.. i suka sangat rumah bersih, tak perlu besar sgt, tak banyak barang hiasan.. like living in zen life... minimalist.. hanya benda2 or perabot practical sahaja..

Mmg wangi rumah and less habuk..

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