Wednesday, December 14, 2016

let's be rich, but don't try to look rich

melayu cakap " biar papa asal bergaya "

banyak trend macam ni sekarang, hidup bila tak ukur baju di badan sendiri, hidup bila nak tiru orang lain punyer life, hidup bila nak tunjuk pada semua orang that I am rich.

bila dah start kerja ni memang la rasa nak achieve semua benda dalam satu masa, nak pakai kereta mewah, nak buat loan rumah untuk 350k and above, nak pakai branded things and so on. but first ask yourself, can I afford all those things?

planning on your financial is crucial especially for young people like me. Unless your parents support your financial, unless your husband support your financial.. tu belakang kira la bhai tak yah sembang kat sini.. but if you are solely independent on your salary, please have a good financial planning. do some readings and research, ask advises from your seniors or from the experts who have wide experiences in life.

Don't go broke, trying to look rich. let's be rich. one of a good book is " rich dad poor dad" by Robert T. Kiyosaki.

aku kenal manusia yang hidupnya sangat susah, tapi masih rela belanja kan duit demi nak bergaya setiap kali keluar wajib beli baju baru.. dan baju-baju wajib dibeli di H&M, di Uniqlo, aku kenal manusia yang sanggup ikat perut, rela tak beli buku study, tipu mak ayah cakap elaun tak masuk lagi demi nak beli iphone and baju baru yang cantik-cantik like other friends.

what is wrong when you wear a flip flop ? cukup untuk baju kau kemas and bersih, selipar kau kemas tak berselut sana sini pun,, why worry about what will others think of you? Why worry about having a few shirts and wearing only selipar flip flop when you can sleep in peace knowing there's a quite amount of money in your bank account ? Why worry for not wearing expensive clothes when you already bought a house using the money and you don't have to worry much about having a lot of debts?

since aku baru start my career, I know exactly how it feels for not being able to save some amount of money. Asyik habis je tapi aku faham permulaan nak start career memang sakit sikit. Sebab tu awal-awal kerja ni pakai la kereta yang biasa-biasa dulu. Kau angkat kereta honda bagai (alasan sebab kerja johor hometown kelantan so kena pakai kereta selesa sikit). Bagi aku as long as kau drive berhemah, and tak banyak songeh, sampai jugak kau ke kelantan walaupun naik viva, axia or myvi. These three cars adalah kereta yang mampu milik untuk golongan yang baru nak start kerjaya macam aku..Minyak dah jimat, maintenance mampu lagi la dalam rm300++ tu in case rosak ke ape, spare part pun tak la mahal nak mati,, and monthly payment pun kau mampu lagi bayar.

try not to waste your money on unnecessary things. Kalau nak jugak beli barang branded bagai, nak saving duit untuk masters ke, nak pakai kereta mahal ke, phone mahal ke,, make sure ada backup support macam kau buat part time.. ( again, kalau support macam parents / husband / sugar daddy sugar glider bagai those are exceptional ) hahaha.

I always remind my best friends, hidup denga kemampuan diri. The same advice my mom told me, repeatedly.


yang penting, kita tak tanggung banyak hutang. and one step at a time. kumpul duit sikit, beli mana perlu.. jangan ajar diri untuk hutang bank banyak terus, jangan ada komitment yang terlalu banyak. yang penting hidup dengan kemampuan diri and belajar untuk saving duit.. duit saving tu banyak boleh buat dari spend kat baju bagai every months taw. boleh buat travel, boleh buat kawen, boleh sambung master.paling penting untuk emergency ( you don't know what will happen ). ( of course bukan dalam masa terdekat duit tu akan dapat banyak, that's why kena ajar diri untuk disiplin bila saving )

everything must come with knowledge. study dulu pasal house properties, pasal loan, pasal nak beli emas, pasal nak ambik medical card.. study. jangan ikut orang. paling penting jangan lah join MLM. study dulu MLM tu mende and how it works. Aku nyaris terjoin bila membe pekena aku ajak pergi event depa..cis. terus putus kawan babe. hahahaha. gila nak buat loan ribu raban yang belum tentu kau akan kaya, yes you will be rich if you know how to persuade others to join you. tu je konsep MLM ni.

and don't worry kalau belum mampu nak beli handbeg baru selalu, jam mahal, sneakers lawa,, slowly dah stabil nanti beli la semua tu as a reward for yourself.. not now, but someday when you can afford paying those things without having to worry about your balance money in your account. don't worry if now you can only afford cheap clothes,, asalkan tahan lama, selesa and you don't need to be poor in order to look rich. no one is going to pay your debts, no one is going to help you when you have no money so don't live to impress them. BE RICH. start dari bawah, belajar saving duit, belajar cari part time (if you really want to buys things you want, jangan kacau duit gaji) and jangan hidup dengan expectation orang jangan hidup nak tiru gaya orang..They can afford all those things, but not you.

* entry ni untuk manusia yang solely independent on their financial like me*


rough calculation : depends pada masing-masing jugak..

2.9k salary .
paling mahal monthly payment kereta rm500 ( kalau ambik myvi 1.5 )
saving rm500
parents rm500
sewa rumah and bil rm500
belanja dapur, makan, minyak kereta emergency rm 600
adik(if adik masih belajar) rm100
saving ( tabung travel ke tabung kawen ke tabung nak beli set bilik tido ke anything ) rm100
medical card takaful ke prudential ke rm100


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