Tuesday, 6 December 2011

Gaji dah cukup, hidup sederhana-OKlah tu…BETUL KE?

Ok this entry is in response to many who questioned me;
WHY DO I VENTURE AS A PREMIUM BEAUTIFUL ENTERPRENEUR?
From other people’s point of view, my life is considered “perfect”
Being single, working in Schlumberger with gross salary of about 6k - every year insyaAllah akan dapat at least 2 bulan bonus…
Driving a reasonably good car (dulu Merc C200, which I just sold to buy a Honda City)
Owning a relatively good house, at a good area…
My parents pun have a business and life of their own – bukannye I kena support family and adik-adik pun….
Alhamdulillah, I pun bersyukur dengan apa yang I ada sekarang…yang kurang cuma I want to get married with the one I love…
Mungkin ada ramai lagi kat luar sana yang earn less than I do, and have less than I do…
But bile orang cakap, “Eh hidup u dah cukup dah, gaji banyak, buat ape nak buat biz lagi? Macam ni yang kaya, jadi lebih kaya lahhh…”
Actually, memang fitrah manusia – selamanya takkan cukup.
TAPI, BETUL-BETUL CUKUP KE APE YANG KITA ADA SEKARANG NI?
Let me illustrate a simple monthly budget for me – only on my fixed salary VS someone earning about RM3000 gross salary (just above miskin Bandar)
yelah selalunya perbelanjaan kita akan mengikut lifestyle that we lead kan…so let me just compare so that kita senang nak nampak :)

Ismalina (Net salary RM5,000)

Miss X (Net salary RM2,500)

Type of expenses
Expenses in RM
Type of expenses
Expenses in RM
Fixed expenses:

Fixed expenses:

-          Kereta (Honda City)
RM850
-          Kereta (MyVi)
RM500
-          Instalment rumah
RM2,300
-          **Sewa bilik/rumah
RM400 (share ngan housemate or hubby)
-          ASB loan (savings)
RM300
Petrol (RM50 X4weeks)
RM200
Petrol (RM60 X 4 weeks)
RM240
*Food (RM15 per day x 30 days)
RM450
Food (RM20 per day x  30 days)
RM600
**Utilities (water, electricity, Astro etc)
RM70 (Share ngan housemate or hubby)
Utilities (water, electricity, Astro etc)
RM300
**Phone bill (without data plan)
RM50
**Phone bill
RM100
*Toll & Parking
RM150
*Toll & Parking
RM200
**Insurance
RM200-RM300
Insurance
RM400
*Credit card (depending on usage)
RM200-300
*Credit card (depending on usage)
RM200-300
Applicable to those with children



Barang anak(susu pampers etc)
RM200



Savings
RM200


*Nursery
RM300
Variable expenses:

Variable expenses:

Other miscellaneous necessities (ubat gigi,pencuci etc)
RM200
Other miscellaneous necessities (ubat gigi,pencuci etc)
RM200
Entertainment
RM200
Bagi kat parents
RM200-RM400
Contingencies
RM300
Contingencies
RM300
Shopping

RM200

Shopping

RM200
TOTAL
RM6,390
TOTAL (using the minimum of range)
For Miss X –Single
For Mrs X – with 1 kid




RM3,120


RM4,020
(OVER)/UNDER SPENDING and % from net salary
(RM1,390)-27.8%
(OVER)/UNDER SPENDING
Miss X
Mrs X – With 1 kid


(RM620)-24.8%
(RM1,520)-60.8%


Footnote:
* based on average
**based on the most minimum of normal expenses

Hmm based on the illustration, we do tend to SPEND MORE than what we EARN kan?
Teringat masa I belajar A-Level s dulu, my Economics teacher , Mr Jamal, pernah ajar pasal actual income vs perceived/future income (hehe tak ingat exact term)
Basically what it means is that we always spend based on what we perceive or expect to get in the future…macam, walaupun kite tau kite overspend, tapi mesti dalam hati cakap;
TAKPE, NANTI HUJUNG TAHUN ADA BONUS..
TAKPE, INSYAALLAH ADA INCREMENT…
TAKPE, ADALAH ADDITIONAL ALLOWANCE NANTI..
(Untuk yang nak kawin) TAKPE, NANTI LEPAS KAWIN, CAMPUR DENGAN GAJI HUBBY , CUKUP KOT…
(Untuk yang mak bapak kaya) TAKPE, MAK BAPAK BOLEH TOP-UPKAN MANA YANG TAK CUKUP
But actually, how certain we are that we will get these additional income tu?
Camne kalo tetibe dapat rating teruk, terus tak dapat bonus?
Padahal, kite dah “ter-spend” on these fixed expenses etc…siap ada yang dah terswipe credit card pulak…
Oh ye, and my comparison is only the minimum of normal people…
come onlah, I’m sure we spend more than RM15 a day on food..especially kalo ada anak, or ada festivities, confirm tak laa kan…RM15 sehari tu macam RM5 for each meal…tu pun kat gerai…but, kenapa ramai je I tengok makan kat OldTown, Papparich, Secret Recipe etc? kat tempat-tempat ni, confirm at least laa RM10 per meal…
Pastu on phone – of course RM100 a month tu macam minimal laa kan…especially  yang ada data plan..kengkadang sampai RM200 pun ada sebulan…
Yang ada anak pulak- alahai, susu baby je at least setin seminggu- RM200 sebulan tu macam minimum sangat kan? Belum masuk pampers, ubat anak, toys etc…
And nursery tu baru untuk 1 anak, kalo yang ada 2-3 tu? Camne pulak?
Belum masuk ad hoc expenses macam nak service kereta, nak bercuti dengan keluarga, duit raya, medical bills etc…
TEPUK DADA , TANYA LAH DIRI SENDIRI!
Memang betul, ada yang akan kata, kenalaa turunkan lifestyle sikit, tapi most yang I illustrate kat atas ni, adalah FIXED EXPENSES! Not something yang boleh dikurangkan yeee..
OKla…maybe instead of ada kereta, boleh naik motor, bas/LRT, so boleh kurangkan part kereta and petrol, but seriously, how many of us can make that sacrifice?
Semua nak convenience and senang …
So, semua dah tahu kan kenapa I venture into Premium Beautiful ni?
Mula-mula memang sebab nak share this magical corset dengan semua wanita kat luar sana..especially yang sama-sama ada masalah mcm I; sakit belakanglah, bongkok lah, period painlah…kalo these things not addressed, pun tak dapat quality life jugak kan…
Tapi, bile fikir-fikir balik, tak salah earn extra income sambil tu kita share the benefits PB dengan orang lain….
Initially I cakap dengan leader I Izyan, kalo I dapat every month income dapat at least cover half my car instalment pun cukuplah (approx RM500 sebulan)
Kalo fikir-fikir- banyak dah tu…RM500 sebulan, setahun kire RM6,000 – macam sebulan gaji I dah…masa tu I fikir, errmm boleh ke tak boleh ni…
But Alhamdulillah, now I exceed my expectation! Bukan setakat overspending kat atas tu (RM1,390) je yang I dapat cover, now it’s beyond that!
Best part; I get to see my biz partners earning additional income, sampai ada yang berkali –kali ganda dari gaji tetap diorang :)
To me , kalau duduk KL ni, mustahil lah kalo uols tak buat side income…coz bile gaji naik, inflation pun naik, and lifestyle kite pun naik jugak…alahai, increment setahun pun, berapa lah sangat? Maybe 7-10% max? ada yang naik RM100 je from basic salary…
Takkan 10 years from now, uols still nak catu makanan, sehari RM5 per meal je? (I know the feeling, coz I penah kena buat camni)- tak boleh tahan kottt…
Paling kesian, kalo tak dapat nak bagi yang terbaik untuk family and anak-anak…kalo ikut bajet kat atas tu, nak bawak anak-anak makan kat restoran sekali sekala pun, agak tight kot…
Alhamdulillah to those yang dah ada kesedaran and dah usaha dapatkan additional income untuk diri sendiri and family :)
Tak kira apa pun yang anda buat; biz ape pun, insyaAllah, asalkan halal akan diberkati Allah…
Those yang masih lagi tergezut dengan my illustration and tengah tercari-cari PELUANG BIZ  dengan team yang sangat supportive,
just email me ismalinaishak@gmail.com or call 019-3393340 yaa…

CIAO BELLA!






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