In His Hands...

I helped my mom baked some cookies for Raya Haji. This is so... new for me. Never really spend much quality times at home. Have been away a lot... almost independently... by myself all my life. After this. gonna work... gonna earn more and save them. I've found out the truth about money spending. Came up with this idea 2 days ago. The ideas on how to save and earn more in the future. The ideas are:

When you got your salary, what should you do? You can do this...

1) Pay Yourself First - With the money that you earn, take some and put it into a banking account (budget). The problem with us (usually Malays), you tend to do your budget at the end of the day. It would be a blessing if you still got RM100 left at the end of the month. What you can do is, pay yourself first when you got the money. Example... You earn RM 1700. The best wa is, to pay let say... Rm300 and put it into an acount before you start spending your money. So, you only use the left over which is, the other RM1400. At the end of the month... if you can keep more from the Rm1400... better.

2) Make it as an automatic thing to do - The best way to do do this is... you go to the bank and go to the bank officer. Tell them you wanted to do a " stand off", that is you wanted... some of your paycheck to be devided to another account. For an example as below... after you earn your RM1700, ask the bank to withdraw Rm300 automatically and transfer it to account B. So every month... your RM300 will be placed automatically without you having to go to the bank. You don't waste your money... your time but at the same time... you save.

3) Forget about your account B - you don't need to remember that account. All you need to do is only... go to the band and check every month for confirmation that the RM300 has been transfered every month to that account. No need to use them. You need to be well decipline.

4) Make your money grow and work by itself - Yes... your account B will grow itself with divident. For example... if you put your account B in ASB, the divident for a year is 10% (actually 9. something). After a year... you will get around RM3960 = RM4000 lah. Withing 5 years... you'll get a +/- RM20000. Tak ke banyak tu? Sapa nak bagi kan? hehehe. Rm20000 buta buta je. If you can spend more.. u'd get richer. Waahhahahahhahahhaa tamak tamak!! ehehe :)

5) Finally, make yourself Insured - buy some insurance for yourself... you might need it in the future. Tuhan maha kuasa... apa2 boleh jadi right?

Ya, tuan tuan dan puan puan, itu tadi tips bagaimana utk menjadi kaya. Saya bukan tamak, cuma mahukan hidup yg baik. Jadi marilah kita melakukan yg terbaik utk masa depan kita, keluarga dan anak2. Apa melalut ni? ehehhe But, it is true. I sure don't want any of my family/kids to suffer. It is all up to you. I only want to share the techniques so that we all can live a better life.

With doing this, u'll live better... cuma, i comes with only 1 difficult problem that is, can you be well dicipline. Try it... gonna start doing it with my first salary.

p/s: extra tip from me. for the muslims, make a time for donations to the mosque. For every cent you give, Allah will give it back to you.

"Kekayaan, wang ringgit datang dari Allah la bapak, bukan dari bapak" taken from Ahmad Albab

Well... thats it.

Prof. Bobby Cardozo sign off - class dismissed