Banyak cara nak control our budget ni… Yang paling penting ialah DISIPLIN and GOAL… Apa cara sekali pun samada pakai sampul, budget dsbnya tak bermakna apa2 kalau kita just hangat2 tah* ayam jek… Ada orang cakap jgn pakai credit card, but to me u must understand what is the purpose and function of credit card… kalau kita fikirkan betul2, we can make extra money by using credit card… contohnyer, kita bayar bill pakai credit card kita dapat 3 kelebihan –
1. credit 21 days – u can roll this money for 21 days… investment is about time and money.. u have it both here..
2. points – we gets point when we use our cards and can xchange with merchandise.. for free. If u use your cards a lot, u can just call your bank and ask for annual fee waiver… i dont pay a single cent for my annual fee..
3. rating – pay your card on time… your rating with the bank will increase coz they have your records… so kalu kita nak buat loan, etc.. a bit ease..
Apa yang cuba saya sampaikan ialah apap pun cara yang kita buat, DISIPLIN paling penting… Set youl GOAL and go all out to achieve it… U shouls have a short, medium and long term planning. U should chart your own future but as they say.. kita merancang, Allah tentukan… but KITA mesti merancang… I follow DUIT styles… Doa, Usaha, Istiqamah, Tawakkal… all 4 are there and just nicely in sequences… DUIT..