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8 tips menguruskan kewangan jika anda makan gaji - Resep Maskan

Tips menguruskan kewangan 


Assalamualaikum Warahmatullahi Wabarakatuh.

Gaji anda sama ada rendah atau sederhana pasti akan terkesan dengan kos sara hidup semakin meningkat. Hutang yang tidak putus-putus dan makin banyak tertunggak. Antaranya :

  1. • Kos sara hidup meningkat.
  2. • Kos membesarkan anak-anak meningkat.
  3. • Harga hartanah/ rumah yang meningkat walaupun rumah kos rendah.
  4. • Kos bahan binaan juga semakin meningkat.
  5. • Kos pendidikan semakin mahal sedangkan tahap gaji kelayakan yang tinggi pun semakin      rendah.
  6. • Kos perubatan meningkat.


Dalam banyak-banyak kos di atas, cuba bayangkan satu daripadanya, sebagai contoh kos perubatan yang hari ini sudah meningkat ke tahap yang luar biasa 20-30 tahun lagi. Waktu itu, kita yang hari ini umur dalam lingkungan 30-40an akan berumur di antara 50-70an.

Adakah kos tersebut masih sama dengan hari ini. Jangan sampai tahap, hari ini kita guna kesihatan untuk mengejar kewangan, malangnya kewangan tersebut tak mampu nak beli kembali kesihatan ketika kita di ambang usia suatu hari nanti.

Sebab itu saya tertarik dengan amaran yang tertulis di sebuah billboard di Jakarta yang menyebut: “Jika anda tidak ada duit, anda perlu pastikan anda tidak sakit.”

Sesiapa yang ada terbaca berita, 88% pekerja bimbang tak cukup duit bila bersara.

Jangan fikir pasal orang lain. Lihat dalam-dalam ke dalam diri kita hari ini. Adakah kita juga tergolong di kalangan 88 peratus tersebut? Masalah itu tidak akan selesai sehingga kita belajar dan bertindak mencari jalan selesaikannya.

Apa “jalan” yang ada? Kerana jika teruskan meminjam bukanlah pilihan yang terbaik, jangka pendek, OK tetapi lama-kelamaan beban hutang kita akan sesak ke kepala.

Sebagai respon pada berita itu, ada 8 ips yang saya ingin kongsikan:-

~ 1. Jika anda bekerja, tambah baik diri supaya dinaikkan gaji. Sama ada sambung belajar secara part-time sambil bekerja. Faktor kelulusan banyak mempengaruhi gaji seseorang di banyak syarikat atau sektor kerajaan.

~ 2. Tukar kerja yang lebih tinggi gajinya, cuma masalah ini hanya berbentuk strategi jangka pendek atau tambah baik ilmu atau kemahiran diri untuk melayakkan diri mendapatkan gaji yang lebih tinggi.

~ 3. Berniaga atau membuat pelaburan sama ada secara sepenuh masa atau sampingan. Cuma jangan mula dengan modal yang besar serta mestilah sedia untuk belajar ilmu berniaga dan melabur sama ada melalui membaca buku yang bagus atau hadir seminar yang terbukti melahirkan ramai yang berjaya.

~ 4. Yang paling penting adalah belajar uruskan duit kerana duit sikit boleh jadi banyak jika diurus dengan baik. Begitu juga sebaliknya, banyak boleh jadi sedikit atau habis jika tidak pandai uruskan.

~ 5. Tahan nafsu. Stop belanja makan di luar. Kurangkan window shopping. Kurangkan ke tempat yang mampu “menggalakkan” kita berbelanja mengikut “nafsu”. Kurangkan kos, kurangkan kos dan kurangkan kos.

~ 6. Simpan duit, simpan duit dan simpan duit.  Ini nasihat yang paling asas sebelum anda ada ilmu “memberanakkan” duit. Walaupun belum tahu berniaga atau melabur, anda mesti simpan sedikit duit secara berdisiplin. Set sasaran atau target berapa anda mesti simpan setiap bulan dan duit itu TIDAK BOLEH digunakan langsung melainkan bila ada ilmu pelaburan.

~ 7. Jangan sertai skim cepat kaya atau meminjam untuk masuk skim cepat kaya. Berhati-hati dengan pelbagai skim yang boleh “menghilangkan” duit anda apatah lagi jika ianya di senarai hitam oleh Bank Negara.

~ 8.  Sedekah sedikit. Sebab sedekah telah terbukti memberikan keberkatan kepada rezeki kita. Cuba mulakan dengan jumlah yang paling kecil yang kita mampu dan lakukan secara konsisten. Anda akan merasai keberkatannya nanti.

Semua orang ingin ubah hidup tetapi ramai orang tidak mahu ubah sikap serta belajar.
Sudah masanya untuk anda berfikir tentang masa depan dan bagaimana mengatur serta meningkatkan kewangan anda secara serius.

Sekian sahaja yang dapat saya kongsikan, mungkin anda mempunyai beberapa lagi cara yang lebih praktikal untuk dikongsikan. Kongsikan lah bersama pembaca lain pada ruangan komen dibawah =)


from Klik Disini http://ift.tt/2bUb0Mu
8 tips menguruskan kewangan jika anda makan gaji - Resep Masakan, Resep Kue Kering, Resep Kue Basah

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