How to manage your financial???
Save first, Spend later.
Investment first, Commitment later.
Contoh : Income RM4,000.
Step 1: Save + Investment.
20%; RM800 masuk Tabung Haji/ASB.
10%; RM400; insurance/Takaful.
Step 2: Commitment + Expenses
70% lagi? Ikut la nak spend mcm mana. Janji every month ada savings.
The key point here is you have to plan how to manage you salary.
First gaji jangan create commitment! Beli kereta yang bulanannya di luar kemampuan, personal loan, etc.
Mesti pandai bezakan yang mana satu MUST HAVE dan NICE TO HAVE.
Asingkan awal2 savings and investment, then from the balance gaji baru lah tambah commitment.
"Pay yourself first, before you pay others."
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