Apa kes ni..asyik2 pasal duit...

Harini, dalam keadaan yang kejap ok kejap fenin aku masih sempat membasuh baju yang setimbun itu (machine wash la..tang handwash cuti dulu), merancang kewangan dan berblog.

Setelah meronda2 ntah ke berapa kali dalam blog Bebas Hutang, aku telah mendapat maklumat mengenai ASB seperti berikut

Tahun	Dividen	Bonus
2008	7 sen per unit	1.75 sen per unit
2009	7.3 sen per unit	1.25 sen per unit

Jika anda berminat untuk mengetahui bagaimana dividen dan bonus dikira, formulanya adalah seperti berikut :

Dividen = Jumlah baki minimum setiap bulan x dividen / 12

Bonus = Jumlah baki minimum setiap bulan (in 10 years) x bonus/120

Untuk maklumat selanjutnya berserta contoh pengiraan silalah menjenguk blog Bebas Hutang ya. Malah mereka juga menyediakan calculator ASB. Psst..If I'm not mistaken last 2 years I developed my own so called ASB calculator but compared to theirs of course mine is so not canggih la...hehe.

I am also have my own budget calculator. 5 years back of course I have the discipline to key in my expenses...then you can guess what happen huhuhu. Now, as a student I should start/continue what I left.

In fact, last time I also have my own expenses/spending table which is the modification of Hajah Rohani's pie chart while she was a guest in MHI..hehe if I'm not mistaken la. Below is the example of that table...example only ma hehe...Takkanlah fuel to work only RM100/permonth unless your workplace is so near to your house...if that the case naik kaki je la....


But why why nowadays I don't follow that rule anymore...too bz ? Hmm...malas? Tak larat ?

Psst...if we have our own financial planning it doesn't mean that we are materialistic. It's for our future and for our family, takkanlah nak mengharapkan duit our parents atau menteri/putera/sultan datang meminang lak hehe... Apa2 pun, janganlah hidup kedekut semata2 nak menyimpan duit sampai you can't enjoy your life while you are still able to do so. Please do not misinterpret whatever I mention here. At least of course you want to reward yourself and enjoy the fruits of your hard labour . Sometimes we also want to taste new food, have good clothes, vacation, treat our family and friends etc. If you can afford it, why not? But of course it must be within your budget. Kalau duit sekepuk pun, apalah ertinya nak pi holiday bila dah tua nanti dengan tak larat n tangan n kaki tergigil2. That's why we have to plan this financial freedom smartly...I wish that I have all this knowledge long time ago. But, never look back...it's never too late to do something good.

Don't ever forget to allocate a few notes for your parents. Apalah sangat RM50 sebulan compared to what they have done in raising us. You can see the joy/happiness/grateful in their eyes...of course it's not about the money, but you know why. Whatever it is, it depends on ourselves, what we want and what we have. Hmm, dunia2 gak...akhirat jangan dilupa. I know, I'm not that 'baik' type of person to say all this...but pepaham jela...sendiri mau ingatlah kan. Mana tau esok lusa kita pergi......