So...yesterday I've started compiled all my previous bills into one file..and soon I will upload all of it into my Quicken (software) ..so tht I could trace all my expenditure. Goshh...sangat banyak ok. And soon....nk kena masukkan sekali all my shopping resit. Ikut kan hati mmg x sanggup nk tengok..betapa teruknya diri berbelanja..but..but..tahun ni..nak tak nak ..mmg kena jgk. Why? Sebab ..nak tunjuk pada diri sendiri..yg betapa teruknya ko dh guna duit..secara berleluasa plk tu..Satu lg..sbbnya..tahun ni tahun mengumpul duit dan membina harta dan aset. Haaa..nak tak nk..ikat la perut..n tahan la nafsu..jgn beli pape..no iphone..no ipad or ape2 yang bermula dgn ''I'' ..mmg kena ban..kalo rasa2 nak cakap "' I...nak beli..''.toooooot..pun trus kena ban..
This year..as am getting no less younger..so might as well i thnik of making myself a sort of a financially- fit- person. Nak rumah sendiri, nak buat bisnes sendiri, nak ada homestay, nak pi jalan2 and bring my family skali *kena tu..nnti x berkat..kalo tak berkat nnti..rezki tak masuk.. pastu bisnes x jalan..pastu jadi anak derhaka..* hahaha...
Check out info kt bawah...I ambik skit2 jer from yahoo financial info smlm..try to digest it..quite interesting..for someone like me..yang slalu bershopping buta tuli jer...God forgive me..
5 Great Money Ideas for 2011
Jane Bryant Quinn
1. Cancel those dangerous rewards cards - the cards where you earn points for every dollar that you charge. On the surface, the points give you free airline miles, cash back, or discounts on catalog merchandise. But why would you think that a bank offers anything truly free? You're paying for your own rewards, with the interest you're charged on the balances that you carry forward every month. <------ nasib x pernah tertipu or purchase anything offered by bank tu..but..of course..why would i care bout all of those things..I'd rather concentrate on something else..like baju ..make shoes n bags ok. Eh..eh...tahun ni ko jgn berangan nk buat mcm tu lg..ada haaaati..Disshhh!
2. Use your Social Security tax cut to add to your savings or reduce your consumer debt. You might not notice the tax cut because you don't get the money in a lump sum. It comes in the form of slightly more cash in your regular paycheck. Most likely, it will slip through your fingers in everyday spending. That's good for the economy but not the best result for you. <----ermm..yg ni blum lg ni...nnnti la pasni..
3. For adults and young people seeking higher education in 2011, chose a school whose costs keep you out of debt. Students don't realize that, when they take a government or private loan, they're potentially selling themselves into financial slavery. If you lose your job, or don't earn enough to repay your student debts on time, late fees and interest charges mount fast. Delayed-payment plans only add to your debt.
You can't escape an unpayable student loan by declaring bankruptcy. You'll carry it, and a wrecked credit history, all your life. The same thing can happen to friends and relatives who co-sign student loans. No college or trade school is worth this risk. Choose a community college or a four-year school that will cover most of your costs. Schools - including famous ones - that turn a blind eye to the burden of loans should be taken out and shot. <----ermmm...so far my study di tanggung oleh my agensi..OK lg kuttt....InsyaAllah..
4. Buy a home only if you're putting down roots and feel happier owning than renting. Otherwise, don't. Low as prices are, they could go lower. Homes are a lifestyle choice, not a good investment - even with the tax deductions.
Eventually, home prices will rise again but probably at a pace too slow to cover the huge expenses of owning, including closing costs, insurance, repairs, improvements, net interest costs, real estate taxes, and sales commissions when you move. There's a dividend to home owning: you're saving yourself the cost of rent. For investors, however, stocks pay dividends, too. Over many years, the stock market outperforms real estate, by far.
If you're thinking of buying a "cheap" Florida or Arizona condo for investment purposes, make very careful calculations. What's the vacancy rate on rental properties? Will your rents cover all your expenses, including renovations and ongoing costs when you are between tenants? Will you have positive cash flow? It's a bad investment if you have to pay out-of-pocket each month.
''There's never a world without risk. High on the list for 2011 is a meltdown in the municipal bonds of struggling cities and states and the certain appearance of a scary "unknown unknown." But diversify anyway. Think of how much better your 2010 would have been if you'd followed that eternally accurate investment rule.''
cited from yahoo financial fit info.
Happy People..Smart People..
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