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aku setuju sgt2 dgn cara fazrol ni..

aku pon ader sorg kwn baik yg kerja junior accountant kt satu company oil & gas..kalau korg tgk dia mmg simple, decent giler..  dressing office attire dia pon takder yg branded pon.. kemeja, belt, wrist watch, shoes, neck-tie dia shopping kt carrefour/jusco jerr… takder pakai pon kasut kulit silvatore ferragamorre or jam tgn mahal2 walaupun dia ader kredit kad platinum & boleh jer kalau nk shopping brg2 mahal tu.. duit gaji & bonus dia byk dia allocate utk saving/investment, mak ayah kt kg, tlg adik beradik, insurans anak isteri..aku selalu tgk dia naik motor jerr & kalau hujan baru ler dia drive keter VIVA.. walaupun dia baru setahun lps beli sebijik keter waja campro baru, keter waja tu dia bagi mak ayah dia kt kg pakai bawak gi sekolah,masjid then gi jln2 beraya/ mkn angin sekali sekala..dia just byrkn monthly installment, shellkad & service utk keter tuh… anak2 dia pon tak manjakn sgt dgn baju/toys mahal2.. yg biasa2 cm anak org biaser2 jerr.. sewa umah pon murah, dok kaw. kampung jerr area2 kt UIA gombak tuh… takder pon nk dok kt kaw. exclusive neighbourhood cm kt damansara, petaling jaya dekat2 dgn opis yg sewa umah/kondonya mahal giller2… dia dh ada beli umah sendiri kat kampung, dia ckp kalau ader rezeki dia nk dok kampung jer lepas berenti kerja..

tp time raya ari tu dia bawak gak anak isteri dia shopping kt isetan/klcc.. raya setahun sekali dia ckp kt aku.. aku tgk dia bkn lerr jenis org kedekut nk berbelanja, selalu gak dia belanja kwn2 minum/makan kt kedai mamak or belikn pizza/kfc utk kwn2 opis… org minta derma pon dia selalu hulur..tp cara dia spend his money mmg cool jerr.. sekali tgk mmg korg ingat dia ni org tak berduit… kdg2 kt opis, client yg dtg tu ingatkn dia ni accounts clerk bknnya accountant… dia jenis releks jerr, client tu lak yg segan dgn dia…

aku ader gak borak dgn dia… dia ckp dia saving psl dia tak mau kerja makan gaji smpai umor 55thn.. kalau ader rezeki dia nk quit job awal then focus utk invest duit saving dia utk generate monthly income dr saving yg ader.. aku pon tak sure cmner cara dia akan generate income dr duit saving yg dia ader.. dia ckp kt aku, dia pon still belajar2 lagik cmner cara 'ada duit nk tarik duit' tuh..

kalau korg tau cara2 yg halal/islamic cmner boleh generate passive income dr saving yg ader korg bgtau lerr kt aku.. nanti aku pass info tu kt dia… psl pelaburan emas ni mmg dia interested giller bila aku story kt dia… dia ckp kt aku dia dh start convert his saving money to gold.. aku tanya baper gram, dia sengehh jerr…

fazrol said:

alhamdulillah….so far dr start keje sampai la nie mmg ader jer duit simpanan…. sekurang2nya 15% dari gaji. mmg aku simpan tiap2 bulan dan duit tue jugak aku buat pusingan utk investment or meniaga. aku mmg dari belajar lagi dah set kan otak aku nie supaya income mcm exec. tapi expenses mcm non-exec. sebab tue kekadang kengkawan aku (bukan opismate) ingatkan aku nie non-exec. aku rasa seronok dan tenang dengan situasi mcm nie. Loan kereta dah habis dan tinggal loan rumah jer…..itupun bulan2 RM250 jer….. duit pendidikan anak2 pun dah aku simpan dan aku laburkan kat etika emas, ASB dan GIA PB……

Salam,

Boleh mencelah! Dengan sedikit ilmu yang ada ni Aj nak kongsi sedikit. Kalau yang makan gaji la,sebab gaji masuk sebulan sekali, bukan hari2 macam kita berniaga. Dari gaji bersih yang kita dapat, kita kena terus tolak (buat dalam Excel sheet ni lagi bagus):

(1) Kategori Belanja Tetap (Ansuran Rumah, Kereta, Credit Card (jika ada) dan lain pinjaman yang perlu dibayar bulanan

(2) Kategori Belanja Boleh ubah untuk sebulan- maksudnya atas kepakaran kita nak tambah atau kurang

(a) Susu Anak & Pampers  

(b) Minyak Kereta

(c) Telepon – kalau prepaid lagilah senang

(d) Utiliti bil – sesetengah utiliti bil boleh di "lambat"kan sedikit bayaran sebab tak ada "interest charge"

(e) Dan lain-lain – yang mana jika kita tak belanja pun x ada effect dengan gaya hidup.

Jadi dari Balance selepas tolak (1) dan (2) tu boleh lah kita nak makan besar sikit kat mana2 bulan tu dan lebihan aliran tunai tu kita tambah lagi pelaburan kita. Ini secara simple lah, tapi untuk kebaikan, buatlah sekali sekala atau setiap bulan check and balance. So bila dapat gaji baru bulan hadapan, duit yang masih tak gunakan tarik ke tepi (masukkan jer dulu duit itu kat ASB/Tabung Haji, kasi dia kerja sambil berehat kat Tabung Haji or ASB, sampailah target nak beli seketul emas 20g contohnya) 

Pesanan:

(1) Bila berbelanja kena ukur di badan sendiri.

(2) Jangan terpedaya dengan jualan murah di shopping complex, selalunya harga yang dijual itu lebih mahal sebelum jualan murah pun.

(3) Cari pelaburan yang mana duit kita akan bekerja dengan lebih kuat lagi. Paling2 kena dapat pulangan lebih hebat dari inflasi – sekarang ni pun inflasi pun dah 8% kan.

Kalau baca buku Robert Kiyosaki, saving and invest are two different things. Learn how to invest rather than saving. Ini  kerana bila kita menyimpan, jika pulangan kurang daripada 8% contohnya, sebenarnya nilai wang kita berkurangan bukan makin bertambah.

Ada satu artikel yang mana orang jutawan tapi hidup simple.

A Blog Post by Singapore 's Youngest Millionaire

 By Adam Khoo In Money |

Some of you may already know that I travel around the region pretty frequently, having to visit and conduct seminars at my offices in Malaysia , Indonesia , Thailand and Suzhou ( China ).  I am in the airport almost every other week so I get to bump into many people who have attended my seminars or have read my books.

Recently, someone came up to me on a plane to KL and looked rather shocked.  He asked, 'How come a millionaire like you is travelling economy?'  My reply was, 'That's why I am a millionaire.'  He still looked pretty confused.  This again confirms that greatest lie ever told about wealth (which I wrote about in my latest book 'Secrets of Self Made Millionaires').  Many people have been brainwashed to think that millionaires have to wear Gucci, Hugo Boss, Rolex, and sit on first class in air travel. This is why so many people never become rich because the moment that earn more money, they think that it is only natural that they spend more, putting them back to square one.

The truth is that most self-made millionaires are frugal and only spend on what is necessary and of value.  That is why they are able to accumulate and multiply their wealth so much faster.  Over the last 7 years, I have saved about 80% of my income while today I save only about 60% (because I have my wife, mother in law, 2 maids, 2 kids, etc. to support).  Still, it is way above most people who save 10% of their income (if they are lucky).  I refuse to buy a first class ticket or to buy a $300 shirt because I think that it is a complete waste of money.  However, I happily pay $1,300 to send my 2-year old daughter to Julia Gabriel Speech and Drama without thinking twice.

When I joined the YEO (Young Entrepreneur's Organization) a few years back (YEO is an exclusive club open to those who are under 40 and make over $1m a year in their own business) I discovered that those who were self-made thought like me.  Many of them with net worths well over $5m, travelled economy class and some even drove Toyota 's and Nissans (not Audis, Mercs, BMWs).

I noticed that it was only those who never had to work hard to build their own wealth (there were also a few ministers' and tycoons' sons in the club) who spent like there was no tomorrow.  Somehow, when you did not have to build everything from scratch, you do not really value money.  This is precisely the reason why a family's wealth (no matter how much) rarely lasts past the third generation.  Thank God my rich dad (oh no! I sound like Kiyosaki) foresaw this terrible possibility and refused to give me a cent to start my business.

Then some people ask me, 'What is the point in making so much money if you don't enjoy it?'  The thing is that I don't really find happiness in buying branded clothes, jewellery or sitting first class.  Even if buying something makes me happy it is only for a while, it does not last.  Material happiness never lasts, it just give you a quick fix.  After a while you feel lousy again and have to buy the next thing which you think will make you happy.  I always think that if you need material things to make you happy, then you live a pretty sad and unfulfilled life.

Instead, what make ME happy is when I see my children laughing and playing and learning so fast. What makes me happy is when I see by companies and trainers reaching more and more people every year in so many more countries.  What makes me really happy is when I read all the emails about how my books and seminars have touched and inspired someone's life.  What makes me really happy is reading all your wonderful posts about how this BLOG is inspiring you.  This happiness makes me feel really good for a long time, much much more than what a Rolex would do for me.

I think the point I want to put across is that happiness must come from doing your life's work (be in teaching, building homes, designing, trading, winning tournaments etc.) and the money that comes is only a by-product.  If you hate what you are doing and rely on the money you earn to make you happy by buying stuff, then I think that you are living a life of meaningless 

good article aj.. seriously, a must-read article for everyone… by reading this article it will give us a new, different perspective of money, life & happiness.. hope, it will also change our perception about money.. above all, there are many many things which are far better than money can buy…