Gaji RM1,800, Macam Mana Nak Menyimpan? Ini Caranya

Gaji bersih RM1,800

Komitmen bulanan :

Motor RM280

Duit poket parents RM150

PTPTN RM100

Miscellaneous RM200

Takaful RM80

Jumlah bersih RM990

1. Permulaan bekerja anda disarankan mempunyai simpanan sekurang-kurangnya 6 bulan gaji. Banyak? Mula simpan sikit-sikit, ianya penting sebagai simpanan kecemasan, jika anda diberhentikan kerja atau berhenti kerja.

2. RM1,800 X 6 bulan = RM10,800 

RM10,800 / 24 bulan = RM450 

RM10,800 / 36 bulan = RM300 

RM10,800 / 48 bulan = RM225

Anda kena simpan RM225 sebulan untuk capai 6 bulan gaji dalam tempoh 4 tahun. Anda rasa lama nak tunggu sampai 4 tahun? Anda kurangkan jadi minimum simpanan 3 bulan gaji.

RM1,800 X 3 bulan = RM5,400

RM5400 / 24 bulan = RM225

3. Pada tahun berikutnya, anda mula apply ASB financing RM30K untuk tempoh 30 tahun. Bulanan RM165 tanpa takaful. Anda kekalkan pelaburan ini selama tempoh 3 tahun tanpa ambil dividen dan batalkan pelaburan. Hasilnya baki prinsipal + dividen terkumpul = RM1350 + RM7,009 = RM8,359

4. Dalam tahun yang sama apabila anda apply ASB Financing, anda juga mula simpan RM100 sebulan sebagai simpanan cash anda di ASB. Bermakna simpanan bulanan anda adalah RM265. Hasil simpanan selepas 3 tahun adalah RM4,017.

5. Pada tahun kelima juga simpanan EPF akaun 2 anda ada jumlah lebih kurang RM10,000. Gunakan duit ini untuk beli Rumah pertama yang berharga kurang RM100K. Tak jumpa? Cuba cari. Mesti jumpa.

6. Hasil simpanan keseluruhan adalah:

Simpanan kecemasan: RM5,400

Pembiayaan ASB financing: RM8,359

Simpanan cash di ASB: RM4,017

EPF akaun 2: RM10,000

Jumlah: RM27,776

7. Gunakan duit ini sebaiknya. Lebih baik lagi apabila bakal pasangan juga mempunyai simpanan yang lebih kurang sama. Anda berdua akan dapat jumlah cash RM54,000. Seronok kan? Jangan guna untuk enjoy sakan. Simpan pula untuk masa depan.

8. Anda rasa susah juga nak follow tips ini. Anda disarankan cari tambahan pendapatan. Kos sara hidup makin tinggi bukan untuk dirunguti tetapi mengatasi.

9. Anda tahan kehendak anda sementara untuk miliki rumah dan berkeluarga. Jika bakal pasangan tak boleh tunggu 5 tahun. Anda adjustlah sampai cukup duit untuk kahwin dan miliki rumah pertama. Jangan banyak berfoya-foya, sekali sekala pergi travel tidak mengapa. Rewardlah diri anda yang penat bekerja.

10. Kita hanya mampu merancang selebihnya Tuhan yang tentukan. At least kita berusaha untuk bina masjid dengan si dia.

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