In my previous post...I mentioned that I would be posting about the importance of having savings.
It has been a few months since that post...finally...this is it...
The Importance of Having Savings
Mungkin panjang sikit entry yang ni...tapi baca ye sampai habis...hehe
Nak tau something tak?
Sebenarnya I have this whole talk prepared for this particular topic untuk students satu college ni...tapi college tu dah pindah😅 ....hahahaha
Tapi takpe la...berangan bagi talk kat sini 😝
I was actually really lucky that my parents saved up all the duit raya..duit birthday...segala duit la that relatives...their friends....strangers...gave to us siblings. Selain tolong simpankan duit...my parents pun ajar supaya kerja untuk beli apa- apa yang kita nak.
Waktu kecik- kecik dulu kan...literally kecik...waktu kitaorang adik-beradik tadika lagi...McD ada keluarkan toys edisi tarzan...kitaorang nak tau...mak bapak kitaorang suruh beli guna duit sendiri...HAHAHAHA
We menabung...cari duit waktu kecik senang...cabut uban je dapat duit...10 sen seurat... puasa pun dapat duit...waktu puasa...seringgit kalau puasa full...half day...50 sen 😋
I still remember we had the syilings all gulunged...genapkan to 1 ringgit each gulung...even the 1 sen pun kita sekali kan...gulung jadikan 10 sen satu gulung.
I think my parents macam ada tambah duit la untuk cukupkan duit kita😅...but we got the toys!!!
Besides my parents...my grandparents pun rajin suruh simpan2 duit ni...and somehow it became a habit...bila dah besar until today if I get duit raya..I'll pass it to my mum untuk simpan.
Tapi apa kelebihan simpan duit banyak-banyak ni??
Simpan semata-mata untuk beli apa yang kita nak je?
Naaahh
Well...i mean... ada duit yang cukup baru lah boleh kita beli barang yang kita nak tu tapi bukan untuk itu sahaja.
Let me tell you my personal experience with having saving. Years ago both of my parents were working...then my mum resigned early in order to take care of my youngest sister.
So imagine this...for illustration purposes I use this nombor je la sebagai contoh.
Then when my mum had to leave her job to take care of my sister...the total income was lesser than what it usually is...even when my mum did some small-small business...it wasn't enough to make ends meet since lesser income doesn't make our expenses become lesser pun.
So instead ada lebihan untuk simpan...belanja...sekarang kita kekurangan duit.
We had to refinance the house...my parents savings were running low...but luckily they've had us saving our money since we were young. Jadi duit itu lah yang digunankan dahulu.
Bayar rumah...bayar kereta...bayar segala bill-bill la.
I hear people say..."I'm still too young to start saving"...well...guess what...if my family didn't teach us to start saving since we were young...we live with that kind of saying...I bet we wouldn't be able to have an amount of money that could pay off whatever expenses we had back then.
It's okay to start early menyimpan duit ni...takkan nanti mula awal...simpan banyak...nak complain pula "banyaknya duit aku" 😏
Sometimes kita akan ada masa kecemasan yang kita perlukan duit...jadi elok la kalau ada simpanan cuz you'll never know when you need to use them.
Bukan tu je...nanti kalau satu hari nanti nak mula business sendiri...nak kena ada modal... dah ada duit...takde la kita terpaksa melepaskan business opportunity tu.
Ada simpan duit lebih...boleh guna untuk bercuti ke...beli asset ke...and kalau dah tua...boleh retire dengan senang hati. TAPI INGAT!!! Jangan boros pulak bila belanja (ceh...suruh orang kan padahal diri sendiri ada addiction main those claw machines 😐)
LORD I NEED TO STOP!!!
But I do know some people yang tak mempunyai any savings tapi boleh je hidup...tapi jangan la ambil risiko...trust me...it's not easy when you need to use the money that you don't have.
So that's a little bit from me on why having savings is important...feel free to share your thoughts on this matter...thank you so much for reading...and take care 😊😊
