Friday, November 26, 2010

2010, Money and 2011?

2011 is just around the corner and I bet everyone has started thinking of visions and goals.  Its too early though to disclose your missions but anytime is a good time to speak in blogosphere...

This is what keeps on rambling in my head day-to-day.  Money.  I don't have a big payslip, I don't have any business talent and I am certainly not a big-risk taker.  So I don't see myself driving a big fancy in 2011 because I know I can only afford steering the 660cc drive machine.

More or less money you have, the no 1 rule of money is 'Management'. 
Anyhow, If you guys don't mind, I would like to share some of the practices that I have created in 2002, have carried since then and will be carried forward to 2011.

1.  Fencing System (Pagar Duit)
I have registered few bank accounts years back.  When the money comes in every end of the month, the first thing to do is to seggregate the money to these accounts.  Each account must have a limit of 'spending'.  You do the limit.  Say for example, you have 270 ringgit in your account.  Put 200 as your fence.  Do not fall from that fence, or you will be eaten by an alligator. 

2.  AKSD (Aku-Kena-Simpan-Duit) method
If you are living in Malaysia you have the access to these minor-risk investment from an institution called PNB.  Think your ASB account as your pet.  Feed the pet and the pet will get fat.  Save up as less as 50 ringgit per month without fail.    

3.  Daily Food Allowance
I am receiving daily food allowance from my husband for 15 ringgit.  In year 2009 it was 10 ringgit.  The years before were lesser.  Having 1 extra money container really helps.  Everytime there is balance, I'll shift it to the other container.  Without realizing it, there is 50 ringgit in the container.  Then its sushi feast!

Those are the simplest methods that I have used to manage my daily financial routine. If its a good practice to me..it may turns out good to you too.  So give it a shot...

...thanks bungaoren for the photo-shopping session..

18 comments:

aqilah said...

money 1st~

CutieLiesa said...

AKSD tu kalo ditukar kepada ASB bole x...coz kitaorg dh ltk situ 10% from gaji...ihiks...
-fencing system tu....kitaorg punyer selalu gak roboh...ahhahahahha....semuanyer sbb kejadian yg x drncg....
-daily food allowance tu ...cadagan yg baik...bole lah mintak Mr laling lps nie...ihihihihi

CutieLiesa said...

AKSD tu kalo ditukar kepada ASB bole x...coz kitaorg dh ltk situ 10% from gaji...ihiks...
-fencing system tu....kitaorg punyer selalu gak roboh...ahhahahahha....semuanyer sbb kejadian yg x drncg....
-daily food allowance tu ...cadagan yg baik...bole lah mintak Mr laling lps nie...ihihihihi

eLL_eLyaNa said...

no 1 and no 2 dah praktik..no 3 je belum berpeluang nak praktik lagi...misi mencari suami sy dan mimi perlu digiatkan lagi la nampaknyee...hahahahah

elani makrai said...

hmmm bagus...bagus punyer cadangan.
tp susah btul la...aku dl berjaya pagarkan duit...then mcm2 jadi, trus fail dh skng. susah btul nak keep track tau...

tp mmg kn gigih lagi pasni.


p/s: br aritue aku tertanya2...mana pegi ko nyer kete...ada lagi? ingat sudah tuka jadi baru punyer jugak...

nagakeciks said...

beb , lu terlupa 2 forbidden jutsu lu

1.MKBM
-Mintak Kawan Belanja Makan

2.PKK
-Pau Kredit Kawan

hahaha larik :p

nome said...

its all about money!!! best ni kalau ari2 dpt pau duit suami (angan2 jer)...keh keh keh....

hyt said...

hehehhee.. saya buat pagar utk dirobohkan sbb nak bina rumah..
selalu robohkan pagar..

so next taktik.. lompat pagar emas.. hahhaahhaha.. beli emas.. pajak.. simpan duit dlm asb.. beli, pajak, simpan..

hyt said...

nagakeciks.. statement berapi tuh.. dia masih paw kredit postpaid kawan2.. :)

peah @ peps said...

aqilah
...health and love should come 1st my dear..money comes after....

peah @ peps said...

cutieliesa
..AKSD is just a concept...ASB is one of the best....keep on saving..

peah @ peps said...

eLL ellyana
.hahhaa..bagus..bagus...sila buat plan awal2 sket nak cari 'chenta' tu...:)

peah @ peps said...

elani makrai
..buat pagar ni..kena buat yg kecik2 dulu..kalau terus buat besar munye...memang talak bole bikin maaa...hahaha

keta..still yg cute mute tu...nk tukau lain takut tak bole afford la..

peah @ peps said...

nagakeciks
..weiiii mana mau larikkkk???? bukit jalil tu tak jauh mana brader...

nandos pe citer ni???

peah @ peps said...

nome
..heheh..ada luit..senang hati maa...takle luit..makan itu hati munyer....

peah @ peps said...

hyt
..pergh..yati pas ni..kaya lerrrr...

kite powwww diaaaaa!!

statement berapi: ahahaha...korang bukannnya pakai punn...pe salahnya..bagi kengkawan yg memerlukan...

zz said...

amik gambar kat mane ni?

peah @ peps said...

zz
...haha..cuba teka...:P

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