Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi

APA YANG ANDA BUAT DENGAN WANG ANDA?

Salam pembaca blog pemikirkaya.

Kelmarin saya ke pejabat pos untuk mengirimkan beberapa pesanan dan tempahan buku Bajet Wang. Namun saya agak hairan kenapa terlalu ramai bilangan pelanggan pada hari tersebut (3.1.11)

Hmm..rupa-rupanya, orang ramai berpusu -pusu menyemak dan mengeluarkan dividen dan bonus ASB masing-masing. Maklumlah PNB baru declare dividen dan bonus untuk tahun lepas.

Saya mulai terfikir, apakah agaknya yang akan dilakukan oleh mereka semua. Sepatutnya wang dividen dan bonus tersebut dibiarkan sahaja di dalam akaun ASB tersebut agar ianya terkompaun dengan lebih banyak lagi dari tahun ke tahun sehingga mencecah limit RM200,000.00 dan lepas tu barulah tuai hasilnya…

Namun sebaliknya tidak. Saya percaya kebanyakan yang berlumba-lumba mengeluarkan dividen dan bonus tersebut terdiri daripada mereka yang membuat pinjman pelaburan ASB.

Jika wang tersebut dikeluarkan untuk membeli keperluan hidup (jika dah tak ada sumber lain lagi) tak mengapalah, tapi apa yang saya perhatikan ramai yang gunakannya untuk memenuhi kemahuan dan kepuasan diri sahaja dengan membelanjakannya untuk mendapatkan barangan pengguna yang lebih cepat jatuh susutnilainya dan tak memberi apa-apa pulangan dan keuntungan semula kepada mereka.

Saya berpendapat ada baiknya wang tersebut digunakan untuk sesuatu yang berfaedah contohnya untuk tujuan pelaburan yang lain terutamanya untuk mendapatkan ilmu atau dilaburkan ke tempat pelaburan yang mungkin boleh memberi pulangan yang lebih baik contohnya dalam pelaburan emas.

Secara asasnya dalam menguruskan kewangan kita, satu skill atau kemahiran yang perlu ada adalah kebijaksanaan dalam menentukan kemana harus wang yang kita ada dibelanjakannya.

Harus diingat wang tunai yang berada dalam tangan kita adalah aset yang berharga, malangnya tidak ramai yang tahu atau suka untuk menukarkan aset tersebut sebagai modal untuk menjana lebih bnyak wang.

Malangnya lebih ramai yang suka gunakan aset yang mereka ada untuk membeli liabiliti. Pendek kata, mereka gunakan wang mereka untuk dihabiskan bagi tujuan mendapatkan sesuatu yang menyebabkan mereka terpaksa membelanjakan lebih banyak wang selepas itu bukannya menggunkan wang untuk menghasilkan lebih banyak wang!

Sebagai contoh, saya sendiri suka belanjakan wang untuk membeli buku, menghadiri seminar dan worksyop yang dapat memberikan idea dan menunjukkan saya bagaimana untuk menghasilkan wang yang lebih banyak daripada modal yang saya keluarkan.

Jadi secara mudahnya, saya sering menganggap kos yang saya keluarkan sebagai modal untuk menjana lebih banyak keuntungan. Jika saya keluarkan RM100, saya akan pastikan pulangan yang saya perolehi daripada modal yang saya keluarkan mampu memberikan pulangan sekurang-kurangnya RM1,000….

Mulai sekarang saya amat syorkan kepada semua pembaca blog pemikirkaya untuk mulai berfikir dan menggunakan wang untuk belajar cara bagaimana nak hasilkan wang dengan lebih banyak daripada modal yang kita keluarkan.

Sebagai contoh jika anda ingin belajar mengenali pontensi diri anda, keluarkan modal hari ini dan sertai seminar Kenali Pontensi Diri 2011 Dr. Azizan Osman.  Seminar -seminar begini bagus untuk membantu membina keyakinan diri dan mengenali kekuatan diri kita.

Sambil sertainya, anda juga boleh mula buat wang dengan menyertai affiliate yang disediakan. Saya kira inilah peluang terbaik anda ingin buat wang dengan mudah kerana seminar Dr. Azizan sememangnya mendapat sambutan yang menggalakan sehingga mencecah 100,000 orang sebelum ini.

Yang menariknya tiket berharga RM497 kini PERCUMA ditawarkan kepada 10,000 orang yang pantas merebut tawaran sehingga 17 Januari 2010 sahaja…Dapatkannya segera dengan klik link berikut :

Tiket PERCUMA* RM497

Cepat bertindak! Gunakan wang anda untuk dapatkan ilmu yang bermanfaat sambil dapat menjana wang tambahan.

Salam kekayaan,

THINKERICH

p/s : Jika anda dah dapatkan tiket percuma tersebut dan dah layak sertai agen affiliate tersebut, saya cadangkan anda dapatkan Pakej Video Kursus Affiliate dengan KLIK banner di bawah untuk mulakan strategi promosi yang LEBIH berkesan!

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4 Responses to “APA YANG ANDA BUAT DENGAN WANG ANDA?”

  1. Rushaidin says:

    Salam wbt,

    Saya bersetuju dengan pandangan tuan,
    sepatutnya kita menggunakan duit kita dgn

    cara membuat pelaburan yg bermanfaat seperti pelaburan emas,
    membeli buku, ebook, video, pergi seminar bagi meningkatkan ilmu kita.

    Bukannya menghabiskan duit kita pada tempat yg tidak sepatutnya seperti membeli barang-barang yg mempunyai susut nilai, sedangkan barang yg dibeli itu tidak diperlukan pun

    Terima kasih tuan atas perkongsian yg bermnafaat ini :)

  2. Thinkerich says:

    Rushaidin,

    Salam kembali,

    Ya, gunakan wang kita untuk dapatkan pulangan bukannya sekadar pakai habis…

    Wang jika kita laburkan untuk manfaat, ianya akan datang kembali.

    Tapi jika kita belanjakannya begitu saja, ianya akan pergi meninggalkan kita selamanya…

  3. Zaharudin says:

    Kita jangan menjadi hamba kpd duit.Sebaliknya jadikan duit itu
    hamba kpd kita.Kita tak perlu bekerja keras utk mendapat byk duit,tapi kita kena paksa duit bekerja utk kita dpt byk duit lagi.

  4. Thinkerich says:

    Zaharudin,

    Ya, kita tuan..jadikan wang itu hamba pekerja yang menghasilkan wang untuk kita..bukannya kita bekerja kuat untuk bayar lebih banyak wang…

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