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  #1  
Old 25-05-2019, 12:13 PM
gmxemail gmxemail is offline
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Default Maksud: "gaji kecik" dan cara2 menyimpan

Pada pendapat warga2 CG, kategori macam mana gaji kecik ni? Saya dah selalu baca2 orang cakap gaji dia kecik tapi tengok2 tak de la kecik nor.

Dari gaji tu, berapa yang rasa2 (cth: dalam %) patut disimpan?
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  #2  
Old 25-05-2019, 01:07 PM
matten02 matten02 is offline
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nilai gaji bergantung kt belanja org la.. lg byk belanja lg kecik la nilai gaji dia tu..

kena ada simpanan nilai setahun gaji..

cth klu gaji 2k.. nilai simpanan 2kx12=24k.. ni bkn kumpul cpt2.. slps 5 tahun kerja, patut ada simpanan kecemasan nilai setahun gaji.. untuk keperluan mendesak. cth: hilang pekerjaan, kita dpt cover kos hidup sehingga setahun sementara cr kerja

simpanan bulanan sekitar 10% daripada gaji
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  #3  
Old 26-05-2019, 01:14 AM
Duit Tepi Duit Tepi is offline
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Saya buat mcm ni.. mula2 target 6 bulan reserve gaji.. kemudian 12 bulan.. then 24 bulan.. sampai 20 tahun anggaran belanja bulanan..
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  #4  
Old 28-05-2019, 12:49 PM
Duit Tepi Duit Tepi is offline
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Quote:
Originally Posted by Duit Tepi View Post
Saya buat mcm ni.. mula2 target 6 bulan reserve gaji.. kemudian 12 bulan.. then 24 bulan.. sampai 20 tahun anggaran belanja bulanan..
Tambah sikit.. kalau dh Ada 20 tahun reserve tu.. reserve ni pula Akan Jana aliran tunai utk anda. Gunakan aliran tunai ru secara berhemah. jadinya reserve yg 20 tahun tu Tak Akan habis atau dia Akan habis dengan kadar sangat perlahan..
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Old 28-05-2019, 01:10 PM
dausbiz dausbiz is offline
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Gaji kecik saya rasa bawah rm2,000

Billa kecik saya rasa kene buat dua bende

Satu buat part time keje ke atau buat part time biz

Bila gaji kecik susah nak simpan

Nak simpan duit ekstra part time
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Old 28-05-2019, 01:11 PM
dausbiz dausbiz is offline
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Quote:
Originally Posted by matten02 View Post
nilai gaji bergantung kt belanja org la.. lg byk belanja lg kecik la nilai gaji dia tu..

kena ada simpanan nilai setahun gaji..

cth klu gaji 2k.. nilai simpanan 2kx12=24k.. ni bkn kumpul cpt2.. slps 5 tahun kerja, patut ada simpanan kecemasan nilai setahun gaji.. untuk keperluan mendesak. cth: hilang pekerjaan, kita dpt cover kos hidup sehingga setahun sementara cr kerja

simpanan bulanan sekitar 10% daripada gaji
Zaman lani 2k ingat senang ka nak simpan kalau ada family

Kalau bujang pun ngan makan ngan sewa rumah

Rasa bleh kot

Kos hidup lani bukan murah
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  #7  
Old 30-05-2019, 05:44 AM
gmxemail gmxemail is offline
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Quote:
Originally Posted by dausbiz View Post
Zaman lani 2k ingat senang ka nak simpan kalau ada family
Ni yang saya rasa mencabar. Tetiba lak anak bercita2 nak jadi doktor, siap nak masuk universiti swasta lagi tu. Macam mana la nanti ...
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  #8  
Old 30-05-2019, 05:46 AM
gmxemail gmxemail is offline
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Quote:
Originally Posted by dausbiz View Post

Billa kecik saya rasa kene buat dua bende

Satu buat part time keje ke atau buat part time biz
Pelaburan tak dikira sebagai salah satu strategi?
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Old 30-05-2019, 10:14 AM
mdfahmi69 mdfahmi69 is offline
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gaji kecik duk msia mmg sengsara beb.exp cost memey tggi
antra bnda yg mmg wjib kn prepare
saving-force saving
medical
property
tuisyen
insuran
rtax
yurn/blnja sklah
raya
emergncy
entertmnt
vacation
ak kdg terpikir klu gj kecik mmg xdpt nk spre utk bnde ats nie
nk keep balance mmg kn byk bkorban,ms tenaga,duit etc.
apepon kene plan strtgi finance msg2,sedekah jgn lupa

Last edited by mdfahmi69; 30-05-2019 at 03:04 PM..
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  #10  
Old 25-06-2019, 11:20 PM
Duit Tepi Duit Tepi is offline
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Quote:
Originally Posted by dausbiz View Post
Gaji kecik saya rasa bawah rm2,000

Billa kecik saya rasa kene buat dua bende

Satu buat part time keje ke atau buat part time biz

Bila gaji kecik susah nak simpan

Nak simpan duit ekstra part time
Duit extra part time tu kena invest kat tempat yg selamat.. contoh mcm asb..
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