[et_pb_section admin_label=”Section” global_module=”53″ fullwidth=”on” specialty=”off” transparent_background=”off” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off”][et_pb_fullwidth_post_title global_parent=”53″ admin_label=”Fullwidth Post Title” title=”on” meta=”on” author=”on” date=”on” categories=”off” comments=”off” featured_image=”on” featured_placement=”background” parallax_effect=”on” parallax_method=”off” text_orientation=”center” text_color=”dark” text_background=”on” text_bg_color=”rgba(255,255,255,0.9)” module_bg_color=”rgba(255,255,255,0)” title_all_caps=”off” use_border_color=”off” border_color=”#ffffff” border_style=”solid”] [/et_pb_fullwidth_post_title][/et_pb_section][et_pb_section admin_label=”section” transparent_background=”off” allow_player_pause=”off” inner_shadow=”off” parallax=”off” parallax_method=”off” custom_padding=”||0px|” padding_mobile=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” make_equal=”off” use_custom_gutter=”off”][et_pb_row admin_label=”row”][et_pb_column type=”2_3″][et_pb_image admin_label=”Main Image ” show_in_lightbox=”off” url_new_window=”off” use_overlay=”off” animation=”left” sticky=”off” align=”left” force_fullwidth=”on” always_center_on_mobile=”on” use_border_color=”off” border_color=”#ffffff” border_style=”solid” src=”https://cdn.maskulin.com.my/2017/07/Untitled-design-100.jpg”] [/et_pb_image][et_pb_code admin_label=”SHARE (JGN DELETE)” global_module=”3267″ saved_tabs=”all”][mashshare][/et_pb_code][et_pb_text admin_label=”Text” background_layout=”light” text_orientation=”left” text_font_size=”16″ use_border_color=”off” border_color=”#ffffff” border_style=”solid”]
Ramai mengeluh dan menyesal tidak membeli hartanah ketika di usia muda. Bahkan rata-rata di antara mereka tidak tahu cara menguruskan perbelanjaan gaji yang betul.
Tidak mahu kecewa di kemudian ini wajib kita elak buat sehabis boleh. Sekali membuat keputusan yang salah , memang susah nak diperbetulkan balik. Peluang yang ada untuk membeli rumah, boleh kata akan terbang menjauh ke langit.
Jadi untuk mengelakkan anda terbabas ke landasan yang salah, mari ikuti dan hadamkan perkongsian dari Tuan Harith Faisal ini.
1. “Besi” yang selalu buat golongan muda jatuh miskin
Sebab yang biasa kita dengar adalah, dah terbeli kereta mahal.
Ansurannya bulanan je dah makan 30% daripada gaji dia. Belum masuk petrol, tol, servis, modify sana sini dan lain-lain. Entah-entah boleh habis 50% gaji hanya untuk kereta saja. Cuba la korang buat kira-kira sendiri.
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2. Duit dalam akaun, wajib habiskan setiap bulan?
Ni pun, satu lagi ‘perangai’ yang ramai orang buat.“LANGSUNG TAKDE BUAT SIMPANAN BULANAN”
Paling kurang, simpanlah 10% daripada gaji. Tapi, dapat simpan 30% lagi bagus.
RM3,000 x 30% = RM900. Simpan setahun dah ada RM10,800. Korang patut mula menyimpan masa bujang lagi. Senang nak buat sebab komitmen tak banyak.
3. Tak ukur baju di badan sendiri
Bila tanya pasal nak beli rumah, harga nak lebih RM300,000 je. Mungkin lepas, mungkin tak. Kalau lepas kiraan DSR, mungkin tak lepas kiraan NDI. Kalau lepas pun, masalah kat modal pula.
Tak salah rendahkan sikit bajet tu. Beli rumah sekitar RM150,000 untuk permulaan pun dah okay. Nak malu buat apa? Bukan guna duit orang lain pun.
4. Pandang Rendah Pada Rumah ‘Low Cost”
Apa dosa rumah low cost, sampai ramai yang pandang lekeh? Reban ayam katanya. Tak pun, orang panggil rumah burung sebab reka bentuk kotak. Ramai yang tak tau rumah low cost ni, berebut orang nak bida kalau dah masuk lelongan. Lagi-lagi kalau lokasi hot, dekat dengan LRT, MRT, atau hospital.
5. Gaji rendah dari RM3,000 pun, ada yang dah beli lebih sebiji rumah
Mentaliti yang betul penting untuk pastikan korang mencapai impian yang korang idamkan. Kalau tak betul, sampai ke sudah dekat situ tu, tak kemana-mana. Masih ramai yang fikir, orang bergaji RM3,000 tak mampu beli rumah.
Bagi mereka, orang yang beli rumah hanya orang ada-ada je. Dan bukan mereka. Padahal kalau korang tau dan komited nak belajar teknik dan caranya, gaji RM2,500 pun dah boleh beli rumah.
Ini mindset yang akan rugikan korang untuk jangka masa panjang. Takkan nak tunggu gaji naik jadi RM5,000 sebulan, baru terhegeh-hegeh nak beli rumah.
6. Sanggup buang masa tunggu perkara yang tak pasti
Tak kurang jugak yang bagi alasan nak tunggu rumah PR1MA, rumah SelangorKu, RUMAWIP. Nak mohon, boleh. Tapi tak perlu tunggu bertahun-tahun. Sementara nak tunggu tu, survey sekali rumah-rumah subsale, banyak juga yang bagus-bagus. Elakkan tunggu benda yang tak pasti.
7. “Takde bantuan kerajaan, macam mana nak beli rumah?”
Ini alasan yang paling geram dengar: “ORANG YANG BERGAJI RM3,000 TAK LAYAK DAPAT BR1M”
Sebab tu, susah gila nak simpan duit. Ada la orang kata, BR1M tu boleh tampung kos sara hidup yang kian meningkat hari demi hari. Setahun pun boleh tahan. Tak tau la siapa yang kata.
8. Ibu Bapa Yang Menjaga ‘Standard’
Ada jugak yang mak bapak tak bagi beli rumah cikai-cikai. Paling kurang, kena beli rumah bertanah. Bagi mereka, kerja anak mereka sebagai eksekutif di kota metropolitan Kuala Lumpur bergaji besar.
Walhal gaji sekitar RM3,000 saja. Itulah, sapa suruh bergaya macam orang kaya sangat. Kan dah terkena.
9. Menyewa itu lifestyle masakini – Ye ke?
Lebih selesa menyewa bilik RM500 sebulan, daripada beli rumah RM160,000 dengan bayaran bulanan hanya RM750. Tak salah pun sewa bilik tu. Tapi sambil sewa bilik, kena la ada rumah sendiri juga. Rumah sendiri, sewakan dekat orang lain. Baru betul caranya.
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10. Rasa terlampau kaya, mengalahkan CEO
Graduan gaji RM3,000 biasa rasa gaji dia dah cukup besar. Ya, fresh graduate nak dapat gaji mula RM3,000 memang sangat payah. Bila dah dapat, mulalah nak impress orang lain dengan kehidupan mewah, travel sana sini, pakai kereta best, dan macam-macam lagi.
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+ Sinar Harian
+ Sinar TV
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