unemployment? recession? even malaysia was not that bad but we have to be aware that it could be we in future... so here i am... try to share some ideas perhaps u guys too can share yours and contribute oppurtunity like jobs vacancy, cheap products, and many more....
ok, 2 be truth i love fashion (perhaps im not in right field after all), have accountancy qualification cannot stop me from be passionate about style! hehe.... so eksyen! its not my intention...
so, here i will try to give some guide... about managing your money...
list need to be done:
- what's your current income?
- u re only allowed to spend the most is quarter of your income. (when i said spend it mean spend on something unnecessary eg: clothes, clothes, and clothes)
- take into accounts whether u need that things really or not
- do a budget and save!! save at least a quater also of your income!!
here i provided an example of income. for example your income is rm 2000. (babes out there... please if ur income less than this mean u have to cut some more ur spending allowance).
here are the budget... - normal- we can do or take into consideration:
- house rent - 200 (kl area)
- utilities (electricity, water and internet?) -100
- handphone top up- 50
- transportation - 100
- send to parents (obliged duties as a child, well do it sincerly) - 250
- loan (car, asb, mara, studies) - 100-500
- food ( i cannot believe myself to forget about this ) - 200 (only and if only u cook at home and dont eat any fast food or outside so u can reduce this budget to 100 otherwise stay there or increase huh?)
rm 600? now we have to divide into two? savings or shopping... i rather myself choose savings because we dont know what happen in future right?? fashion/style can be outdated like heidi klum always said : "today u in, 2moro u out". so to be practical here, save more...
the reason why we need to savings??
- emergency - (malang tidak berbau)
- engagement or weddings - need a lot of money!! seriously =P
- funds - your brothers or sisters... especially for first heir of the family.. and for those who marriage... ur children needs you... err your money??
- ok.. now i forget the reason why we need to saving... hahha.. perhaps to buy something really expensive? marc jacobs brand? (donno i seems in love with marc jacobs).. ok kidding!! no such things...
so, think twise and if u want to shopping shopping wisely!!! enjoy shopping more and more by not having in mind the potential to eat mee maggi in future!!!