Assalamualaikum w.b.t.,

Hidup di dunia yang sementara ini banyak mengabui mata kita tentang matlamat kehidupan yang sebenarnya. Kita semakin terdesak dengan himpitan kehidupan dan berlumba-lumba untuk mencari kehidupan yang lazimnya lebih menampakkan keduniaa semata-mata.
Apakah ada di antara pelaburan yang semakin hari semakin kurang diberikan tumpuan? Namun, apakah kita menidakkan keperluan yang perlu kita sediakan di dunia bagi persediaan akhirat? Bagaimanakah pula pelaburan di dunia yang wajar dilakukan untuk persediaan akhirat kita? Wajar rasanya kita sama-sama bincangkan dan jadikan maklumat bersama ini sebagai panduan kita merentasi dunia untuk menempah tempat yang selesa di akhirat kelak, insyaallah.

Pandangan serta komen rakan-taulan, pak-pak ustaz, profesionalis, akauntan, hartawan, dermawan, pak/mak wan dan sebagainya boleh dikongsi untuk dijadikan panduan disamping memperkuatkan ukhwah sesama kita. Sila diemailkan pandangan anda ke mryteratak@gmail.com.


Wassalam.
5/11/2009
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Pemberitahuan: Semua maklumat di blog ini adalah pandangan peribadi melainkan dinyatakan sebaliknya. Sila rujuk kepada institusi atau badan yang berkaitan untuk maklumat lebih lanjut. Sebarang rujukan dari blog ini adalah risiko sendiri.Pengarang tidak bertanggungjawab di atas sebarang masalah yang timbul disebabkan oleh bahan diblog ini.

Monday, February 6, 2012

Example Using 2012 Budget Form: Real Data With Accuracy of 98.9%

Asssalamualaikum w.b.t.,

The below is real expenses data which collected for Jan 2012, to show how serious was our budget if not properly control and manage. Some people say, we don't have any choice but must spend. So what is the meaning of one of famous Top Malaysian Government Leader said, "Rakyat Mesti Merubah Gaya Hidup. Kenaikan Tidak Boleh Dielakkan".

One thing I believe, rakyat must sacrifice paying high tax, double standard of tax system, uncontrollable rising of foods n things needed  and getting low return from our KWSP/Fund dividen to make sure  some special people will be able to live in luxurious.

So, be prepared for the worst. From the data you track, you know where to cut your expenses, rearrange your budget and prepare for future unexpected expenses especially year end school preparation. Most of my expenses fall under education, hire purchase (loan), tax. other expenses such food and etc.  From here also, we can see clearly my January 2012 deficit budget. My expenses is more than my income. So, how to cover this? Emergency fund or reserve fund to cover deficit? I don't have choice now,  to use emergency fund and cover back through strictly control budget for February and onward to payback fund used and need to plan for tight budget to save some money or need to find additional source of income in coming month. If not, I will in trouble next year.

Every thing now so expensive. If you have expenses data then you will realize that, the cost of living now increase at a magnitude of average 15% yearly and the trend no longer in linear but starts with exponential. So, lets change before its become worst. Now I see the truth, what was said by one of PR leader that, the trend is showing, more  and more of intermediate range of income workers will fall into poverty level if not change from now.

Wallah hu 'alam.

Sample Expenses Jan 2012.



 
 



 
 
 
 
 
 
 

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