Assalamualaikum. 


Baru-baru ini saya melayari satu page FB mengenai kewangan dan admin telah mengutara satu soalan kepada para sifu kewangan yang rata-rata berumur 40 ke atas:

“Apakah nasihat kewangan terbaik untuk diberikan kepada mereka yang baru bekerja dan ingin berjaya sebelum umur 40?

Saya senaraikan beberapa nasihat terbaik dari sifu-sifu kewangan ini dan komen rengkas dari saya.

1. The first 10 years of your career don't chase money. Chase knowledge and connection.

Pada 10 tahun pertama jangan fokus cari duit tetapi kejar ilmu kewangan dan networking.

Siapkan diri dengan berbagai ilmu kewangan dan belajar dari mentor.

Sebaik mungkin cari ‘connections, networking dan cable’.

2. Buy car only if need be. Buy landed house in KL and sell back when retire to hometown.

Banyak nasihat sifu agar jangan membeli kereta terlalu awal dan beli ‘landed property’ di KL tetapi bersara di kampong. Ini nasihat seorang sifu yang sudah bersara.

3. Save as much as possible. Dont spend on car. You can do this when u are financially stable. Don't own any credit card.

Jimat cermat berbelanja semasa awal pekerjaan dan hanya beli kereta apabila sudah kukuh kewangan. Seboleh-bolehnya jangan guna kad kredit.

4. Work smart and invest. Be debt free.

Berhutang jika sangat perlu sahaja.

5. Find a wife that cooks.

Jika isteri pandai masak, banyak penjimatan jika makan di rumah. Lagipun ianya menyihatkan.

6. You need to think how to earn more money. Hard work is the key, there is no shortcut. Work until the day when you don’t care about the price of the food in the restaurant, air tickets and hotel fees. Good luck!

Kerja keras untuk berjaya sehingga anda tak perlu memikirkan mengenai harga barangan lagi.

7. 30% of your pay for need (house and car), 30% of your pay for wants and 30% of your pay for investments and savings, 10% travel.

30% - bayaran hutang besar rumah dan kereta.
30% - belanja sara hidup makanan, buku, utiliti dll.
30% - simpanan dan pelaburan
10% - tabung travel.

Ingat rule 36, iaitu harga rumah yang dibeli jangan melebihi 36x gaji agar hidup tidak rasa kesempitan dari semua hutang rumah dan kereta.

Misalnya:

Jika gaji RM5000, rumah yang anda mampu beli ialah 5000x36= RM180,000.

Ansuran bulanan ialah RM683 selama 30 tahun (3%).

Jika gaji RM10,000, harga maksima rumah yang mampu anda beli ialah RM360,000.

Ansuran bulanan ialah RM1366 selama 30 tahun (3%).

8. Dont spend in "stuff". Invest in income producing assets.

Cari pelaburan yang akan membuat pendapatan pasif setiap bulan.

9. I wished they introduced a course on financial & debt introduction and management course in school. Most of us didn't know that as soon as we try to get our 1st job, the capitalism/company will make you go into debt first before you can earn your first paycheck, with the requirement to own a car-so car loan, owning or renting property-so loan/ contract obligations, and then credit cards and the hidden costs, interests, renewal fees that comes with it. All this should be introduced and taught at secondary school level. Its life skills.

Pentingnya pelajaran pengurusan kewangan yang wajib dipelajari dari kecil.

10. Don't choose your career based on your interest. Choose based on what brings you money. Use that money to fund your passion & interest.

11. Avoid toxic people.

Banyak artikel yang saya sudah tulis mengenai manusia toksik yang perlu dihindarkan dari kehidupan anda.

12. Before advising what to do, i will advise what NOT TO DO. Don’t put your head inside Forex, GRR schemes, Crypto, old money, durian plantation scheme, oil palm scheme, Quin scheme.

13. Don’t study medicine if you want to make money.

14. Don’t buy your first car on loan if you don’t need it. Use credit card with discipline to build credit history. Buy your first property first.

15. Commit into a car loan at the early stage of your career is one of the most unwise decisions you can make that is going to impact your life way bigger than you can imagine. You could’ve invest 1k a month for the next 9 years the money you will have is going to qualify you to a much bigger opportunity.

Pinjaman kenderaan selama 9 tahun akan memiskinkan anda.

16. Spend below your means.

Berbelanja ikut kemampuan.

17. Don't buy depreciating assets (new car).

18. Investment diversification (gold is a must).

19. Give back (parents, zakat/charity, community, etc).

20. Don't fall for get rich quick schemes.

21. Live within your means, buy what you need, not what you desire.

22. Don't study medicine, dentistry or pharmacy unless you are passionate about it and you totally understand that it will not make you rich.

23. Force saving at least rm100 per month. Be it in unit trust, asb or TH. Ignore the deduction when you daily checking your bank account. In your 30s, you will have 12-13k++.

Kesimpulan.

Rata-rata sifu kewangan yang telah mempunyai banyak pengalaman sebelum berjaya menasihatkan:

* Jangan beli kereta dengan pinjaman pada awal pekerjaan tetapi tunggu hingga kewangan stabil.

* Guna sistem 30:30:30:10 dalam bajet kewangan bulanan.

* Hutang besar seperti rumah guna rule of 36 agar kehidupan tidak sempit dengan hutang.

* Belajar ilmu kewangan dan dapatkan ‘connections’ semasa zaman muda.

* Forced savings.

* Hindarkan diri dari manusia toksik.

* Berjimat cermat dan cari income pasif.

Wallahua’llam.

Ir.Hj.Zainuddin.Bin.Hj.Omar
FB: Zainuddin Omar

14 Comments

  1. ilmu pengurusan kewangan ni memang penting

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  2. tq abam kie share.tips kewangan ni mmg kene slalu kita baca...Supaya kita ade semangat nk menyimpan.. hihihi

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  3. banyak jugak tips saya tak ikut. patutlah belum berjaya, padahal lagi sikit nak masuk 40. adeh

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  4. Ada maklumat baru saya tidak tahu. Tq.

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  5. Wak pakai pengurus kewangan bertauliah, pn is3lah

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  6. PERLU BIJAK MENGURUS KEWANGAN N BERBELANJA

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  7. Banyak kena belajar ni..banyak terbabas ..haha

    ReplyDelete
  8. kalau masak mmg boleh jimat byk

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  9. Wow.. Nasihat bernas... Saya tertarik nombor 10 tuu.. No 13 pun.. Jangan kerja dalam bidang perubatan.. tQ info

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  10. aida percaya = no 19 dan forced savings.
    aida buat forced savings. hingga pernah 6-7 hari nak gaji, takde duit tunai or dlm bank. cukup2 sgt! tapi dlm hati takde sedih sgt la. stok masak kat rumah ada. tak la terputus makan. cuma bila nak membeli, terhad. limit kan hanya utk isi minyak kereta hu hu hu hu hu...
    tak sedih sgt sebab savings ada. awal2 da tolak tepi. forced savings!

    ReplyDelete

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