OldBedTimeStories

Okay Review Money Plan I

Ingat tak yg first money plan I made? Sapa yang dah pernah baca, ingat la kot. Kalau x ingat, pi carik kat older posting kalau rajin. Kalau tak rajin, takpe. Jangan runsing2.

Okay Alhamdulillah untuk Money Plan tu I managed to have RM1k for the saving.
Instead of RM6++ yang sepatutnya disimpan, Alhamdulillah.
Itu pun sbb dpt extra pocket money dr parents yg disimpan, kalau tak mmg xjengah 1k :O
Howeveeeer due to the some carelessness of mine in managing the money, the money left only almost RM400.
Yang RM600 hilang kan? Mana pegi? It is important for you to know where your money flows.
RM400 dah digunakan ke arah benda yang mmg patut kena beli. Biar saya je yang tau barang apa tu ye :)
RM200 tu rasanya dah dikeluarkan untuk hang out dgn kawan, makan, duit minyak topup etc. *Actually it is good to record every transaction that u have made. Jangan tiru saya. Saya pemalas nak record*

So money left in savings account = RM400.
Duit raya? haaa jangan jolikan duit raya ye. Saya igt lagi, org kaya tu ada cakap, "You need to save 1/3 from the money u have and put it in your piggy bank even the amount is so little"

Agak susah kan nak elak dari beli benda2 bagai ni. Awak boleh berbelanja guna duit raya tu.
For example, you have rm300 as ur duit raya collection. 1/3 x RM300 = RM100 SIMPAN.
The balance of RM200 tu boleh dibelanjakan.
Kan dah nak masuk kolej ni kan? need to buy some stationery stuff bagai. You may use the money.
Bila shopping, try to compare kan the price kat tesco ke giant ke jusco ke hypermarket memane ke.
Tapi janganlah save sangat.
Example, Brand A ni murah la sesangat tapi anda dah tau dah benda tu tak elok. Brand B ni mahal skit tapi anda tau dah benda tu elok.
Alah membeli, menang memakai. Beli Brand B tu. Kalau harga murah tp tak long lasting. Tak worth it jugak kan? Kene jugak beli berkali-kali.

Bagi yang extra case which is the parents yg kluar duit utk beli barang2 kolej, haaa extra point for ya!
Duit raya tu simpan je terus semua. If nak belanja beli seskit, use 1/3 tu as for expense and 2/3 as portion of savings kaaan? hehe Tapi it is your choice anyway.

Hati-hati beli barang, nak-nak pulak nak start kuliah ni kan. Nampak barang comel cute2 skit, nak beli *Icantavoidthis*