Money & Real Life Issues
Juz like any other blogs, petrol hikes n everyone complaining. I have decided to post tis one here for everyone to c. Bear in mind there is some calculations n some understandings to know.
- Before petrol price hike - Net income (total amount of wat u will get at the end of the month) -
Net income = Salary - expenses (food, travel fee, car, etc etc...)
Money saved in bank = Net income - futhur expenses (things tat u wanna buy...)
Tis is a common logic where everyone knows, if u dun, go bang the wall not ur monitor coz u'll end up spending more.
- After petrol price hike - Current net income -
Net income = Salary - expenses - price hikes (petrol or other stuffs than increase)
Money saved in bank = Net income - futhur expenses (things tat u wanna buy...)
At the end of the day, money saved in bank went down and ur heart starts to break.
- Conclusion -
Price hikes everywhere except ur salary. Prices is increasing faster than ur salary is going up, so there is a few things u can do to increase ur money in ur bank account.
1st Choice - (tis is where most ppl can c it n will do)
Salary (stays the same)
Expenses (cut down on this)
=
More money + u wont be enjoying as wat u have been enjoying previously
2nd Choice - (tis is where majority didnt c n DARE NOT to do it)
Salary (increase tis one)
Expenses (stays the same)
=
More money + still able to enjoy their normal life
Frankly speaking, who doesnt want to select the 2nd choice, but some ppl will say, say easy but hard to do it.
Still doubt? Come lets have another scenario. Its March 2006 now and lets assume salary is RM2,500, and wats ur salary at the end of the year?
More than RM2,500? OBVIOUSLY it stays at RM2,500 for majority. How much is the increase, ZERO percent. But prices keep increasing thoughout the year. Some ppl will say, wait for job promotion, why think so much so mah fan. BUT PLZ BEAR IN MIND, DID YOUR BOSS TOLD U TAT HE/SHE WILL PROMOTE U FOR SURE? Y must he/she promote u instead of other ppl in ur company which is doing the same things as u everyday.
If you choose to sit there n complain, well thats u, i cant force u to do something. If you wan to do something about it, there is a few ppl that can help u. Of all ppl i know not many ppl like Chun Eng or Billy is willing to be responsible n to fully consider their future. There r other frens tat has tis kind of thinking but i'll not name them but they'll know its them when they read tis blog.
One last sentence i'll type b4 i end, as we all remembered than in year 1997, 1998 is the financial crisis year. It'll strike every 10 years, so from the begining of late 2006 n 2007 onwards, it'll come anytime. If you wish to sit there n do nothing, i cant help u except to pray for u. And plz dun tell me tat it'll not affect since u r having a job n not doing business, let me tell u tat if ur company is not getting enof projects n not earning enof money, do u think u r 100% safe? Think about it seriously.
* PS - Ppl who didnt read the above information, u dun need to give comments. And if you r bias towards negative thinking, u can keep ur commments as well. I m blogging on a neutral thinking. If i missed some facts, plz let me know, and PLZ make sure u support ur FACTS n no rubbish TEORIES.
I dun care if u hate me or get angry at me or anything about tis blog or at me, I m juz telling the TRUTH! And i m juz trying to help my frens whether to believe me or not is totally up to u! AND REMEMBER THAT YOU DECIDE YOUR FUTURE & NOT YOUR PARENTS, THEY CAN ONLY SHOW YOU THE ROADS IN LIFE & GIVE ADVICES BUT THEY CANT HELP YOU WALK YOUR PATH!!!
- Before petrol price hike - Net income (total amount of wat u will get at the end of the month) -
Net income = Salary - expenses (food, travel fee, car, etc etc...)
Money saved in bank = Net income - futhur expenses (things tat u wanna buy...)
Tis is a common logic where everyone knows, if u dun, go bang the wall not ur monitor coz u'll end up spending more.
- After petrol price hike - Current net income -
Net income = Salary - expenses - price hikes (petrol or other stuffs than increase)
Money saved in bank = Net income - futhur expenses (things tat u wanna buy...)
At the end of the day, money saved in bank went down and ur heart starts to break.
- Conclusion -
Price hikes everywhere except ur salary. Prices is increasing faster than ur salary is going up, so there is a few things u can do to increase ur money in ur bank account.
1st Choice - (tis is where most ppl can c it n will do)
Salary (stays the same)
Expenses (cut down on this)
=
More money + u wont be enjoying as wat u have been enjoying previously
2nd Choice - (tis is where majority didnt c n DARE NOT to do it)
Salary (increase tis one)
Expenses (stays the same)
=
More money + still able to enjoy their normal life
Frankly speaking, who doesnt want to select the 2nd choice, but some ppl will say, say easy but hard to do it.
Still doubt? Come lets have another scenario. Its March 2006 now and lets assume salary is RM2,500, and wats ur salary at the end of the year?
More than RM2,500? OBVIOUSLY it stays at RM2,500 for majority. How much is the increase, ZERO percent. But prices keep increasing thoughout the year. Some ppl will say, wait for job promotion, why think so much so mah fan. BUT PLZ BEAR IN MIND, DID YOUR BOSS TOLD U TAT HE/SHE WILL PROMOTE U FOR SURE? Y must he/she promote u instead of other ppl in ur company which is doing the same things as u everyday.
If you choose to sit there n complain, well thats u, i cant force u to do something. If you wan to do something about it, there is a few ppl that can help u. Of all ppl i know not many ppl like Chun Eng or Billy is willing to be responsible n to fully consider their future. There r other frens tat has tis kind of thinking but i'll not name them but they'll know its them when they read tis blog.
One last sentence i'll type b4 i end, as we all remembered than in year 1997, 1998 is the financial crisis year. It'll strike every 10 years, so from the begining of late 2006 n 2007 onwards, it'll come anytime. If you wish to sit there n do nothing, i cant help u except to pray for u. And plz dun tell me tat it'll not affect since u r having a job n not doing business, let me tell u tat if ur company is not getting enof projects n not earning enof money, do u think u r 100% safe? Think about it seriously.
* PS - Ppl who didnt read the above information, u dun need to give comments. And if you r bias towards negative thinking, u can keep ur commments as well. I m blogging on a neutral thinking. If i missed some facts, plz let me know, and PLZ make sure u support ur FACTS n no rubbish TEORIES.
I dun care if u hate me or get angry at me or anything about tis blog or at me, I m juz telling the TRUTH! And i m juz trying to help my frens whether to believe me or not is totally up to u! AND REMEMBER THAT YOU DECIDE YOUR FUTURE & NOT YOUR PARENTS, THEY CAN ONLY SHOW YOU THE ROADS IN LIFE & GIVE ADVICES BUT THEY CANT HELP YOU WALK YOUR PATH!!!
posted by Philip at
11:26 AM
8 Comments:
maybe we should come to think of another point here...
In malaysia, our optimum salary per citizen is RM3000 per month....although many peoples complain 3k not enough for a person to survive, Never enough for a family to survive too...
but there are many family annual income earn less than 3k.....they still surviving until now...
just that if you wanna to enjoy more about life, definetely you need to pay more effort for something you wish to get.
Logic enough?
By
YSLim, at 3/7/06, 9:16 AM
True enough, it depends a lot on your spending. If you hardly spend, you won't need that much money. But there will be a time where, you'll need a house, a car and even some extra cash for ememergency use.
At our age, maybe we can forgo with the house and car for now. But we need to have those extra cash ready. The question is... do you have it? If you don't, then you'd better learn save. If you do, well done.. but is it enough? Are you satisfied?
By
Eng, at 3/7/06, 11:06 AM
There are few things I want to say:
1) Cutting ur expenses does not necessary cut ur life enjoyment. There is no common equation on this one.I dont understand why someone here able come up an equation.
2) Economy strike might had strike every 10years in the past. But that does not justify it will strike in the next 10years like someone say in 2007~2008. If one can predict the economy strike, I think everyone here will know when to buy share & when not to buy share.
3) Promotion does not guaranty a salary rise.
4)Optimum salary does not justify one can survive or not. It depend on the person's personality and his spending. I would rather look at the income to expenses ratio.
5)Family who earn less and they can survive, it is because they understand what to spend & what not to spend. In this world it is more about practical and not-practical.
6)You dont need to pay more to enjoy ur life. There are a lot of different ways to enjoy ur life.
7)This is not science, there is no logic here, there is only right or wrong, practical and not-practical
Last words, spend only what u need.
People who cannot control his expenses is always consider poor.
By
BillyTong, at 3/7/06, 10:46 PM
You have your points.
By
Eng, at 3/7/06, 10:54 PM
Look at all the comments from the experts, haha... anyway just my 2 cents, we cant just rely on 1 single means fo income in this age, otherwsie who knows whats going to happen to us if we suddenly get layed off or something. Everyone can reduce expenses, but thats not going to help our economy. Best is still to think of alternative ways to make a living, each person to their own way. ORmaybe you can follow like what jim carrey did in the Dick and Jane show, those who have seen it will know what I mean, hahahaha
By
Jyrenze, at 3/8/06, 9:42 AM
What did he do?
By
Jonquina, at 3/8/06, 10:00 AM
Steff......buy a DVD will make you understand how to earn alternative income.
By
YSLim, at 3/10/06, 11:08 AM
"Pun said
...we cant just rely on 1 single means fo income in this age... "
oh good tat u know tis point, very important to c tis point.
"YSLim
said...
Steff......buy a DVD will make you understand how to earn alternative income."
Buying a dvd n noe it n dun take action is not going to take u anywhere
By
Philip, at 3/13/06, 12:01 PM
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