Income management

Selamat pagi semua.. Hari ni nak story pasal income management okeh.. Da lama tak tulis entry tetibe masuk bab duit..

"Knapa?"

"sebab saya perlu manage duit gaji bila da stat keje ni."

tu le jwpnnya..

Ok start!!
Bila kita dpt gaji kita perlu give a portion untuk every single cent that we have. Lets say kita dpt gaji kuarkn 100 percent n byr bil semua n lebih buat belanja.. So kat c2 kita da salah manage duit.. So i nak share a tips to manage our $$ by a portion.

Duit gaji bersih =
1. saving 15%,
2. budgeted expenses ( bills, car loan, cdt card, transport, milage, food) = 72%,
3. reward (parent, sedekah, gift, vacation)= 5%,
4. misc./others ( kete rosak)= 3%,
5. insurance=5%

so, total will be 100%.

so tang budget expenses tu kalo 72% cume rm1000 means that kita bole guna portion itu sahaja. Sb tu kt cni sy tekankan bhwa jgn usik portion lain utk belanja. Just ambik 72% from gaji kita. Kalau tak, kita failed tuk manage our income..

Ok la sampai kat cni dlu.. Mau tdo =p