Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi

UBAH KEWANGAN DIRI BUKAN SISTEM KEWANGAN NEGARA!

Salam pembaca pemikirkaya,

Ramai yang berharap agar pihak kerajaan  menukar sistem ekonomi dan kewangan ketika ini agar memberikan lebih keutamaan kepada kebajikan rakyat.

Mengutamakan subsidi kepada rakyat dan mengutamakan kepentingan rakyat sebagaimana yang dilaung-laungkan sebelum ini. Perbezaan sudut pandang pihak kerajaan dengan rakyat sememangnya tidak dapat dielakkan sama sekali.

Rakyat mahukan lebih subsidi, manakala kerajaan pula perlu kurangkan perbelanjaan subsidi bagi digunakan untuk pembangunan negara untuk jangkamasa panjang bagi kebajikan dan keperluan rakyat dan negara.

Rakyat beranggapan ‘Rakyat Didahulukan, Pencapaian Diutamakan’ dalam konteks lebih kecil iaitu kepentingan dan kebajikan memenuhi keperluan yang lebih individualistik. Mahukan lebih subsidi, dan pendapatan yang lebih tinggi untuk mereka.

Manakala kerajaan pula memandang konsep tersebut dalam konteks yang lebih luas iaitu memenuhi keperluan dan kebajikan rakyat secara keseluruhan iaitu menggunakan penjimatan subsidi tersebut untuk kebajikan dan pembangunan rakyat negara ini secara lebih menyeluruh terutama dalam bidang pendidikan dan kesihatan.

Dari segi ekonomi kenaikan harga barangan memang tidak dapat dielakkan. Kerajaan sekali lagi menaikkan harga gula dan bahan bakar seperti petrol,  diesel, dan gas pada 16 Julai 2010 baru-baru ini.

Sekiranya kita memahami konsep ekonomi dan kewangan, kita tidak akan gelabah atau memaki hamun tindakan yang terpaksa diambil oleh pihak kerajaan.

Adalah agak sukar untuk kita meminta pihak kerajaan menukar sistem pengurusan ekonomi negara yang dapat memenuhi kehendak dan kepuasan individu setiap orang.

Namun bagi saya, adalah lebih mudah untuk kita menukar ekonomi dan kewangan diri kita daripada meminta pihak kerajaan menukar sistem ekonomi dan kewangan negara untuk diri kita!

Saya harap pembaca semua faham apa yang ingin saya sampaikan di sini!

Ya, daripada merungut dan mengeluh tentang kenaikan harga barangan keperluan, (sebenarnya jika kita faham tentang ekonomi dan kewangan, ianya adalah lumrah kepada kesan inflasi) adalah lebih baik kita menukarkan ekonomi dan kewangan peribadi kita.

Sudah tentu untuk menukar ekonomi dan kewangan peribadi, kita memerlukan ilmu dan pengetahuan kewangan yang kukuh!

Hakikatnya, dari masa ke semasa, harga barangan keperluan akan terus menerus meningkat!

Jika ada yang kurang jelas dengan apa yang saya katakan,  cuba kita renungkan dan perhatikan harga keperluan 10 tahun atau 20 tahun yang lalu, adakah kita dapati harganya lebih mahal daripada sekarang?

Sudah tentu harga keperluan 10 dan 20 tahun dahulu jauh lebih murah daripada sekarang! Lihat 30 tahun dahulu pula, dan kita kan dapati ianya jauh lebih murah daripada sekrang!

Nah, sekarang kita harus sedar kita akan terus hidup  ke depan dan bukan kebelakang! Ini bermakna kita terpaksa terima hakikat barangan keperluan akan terus meningkat dari masa ke semasa.

Jika kita masih gagal menukarkan ekonomi dan kewangan diri kita pada ketika ini dan masih mengharapkan belas ehsan orang lain, percayalah kehidupan kita akan menjadi jauh lebih sukar! Percayalah!

Oleh itu, tibalah masanya kini untuk kita merubah diri kita, merubah cara berfikir, merubah cara menguruskan kewangan, merubah sikap dan tabiat agar menjadi lebih maju ke hadapan (bukannya mundur kebelakang) bagi menghadapi masa depan yang lebih mencabar!

Untuk itu, saya sarankan kukuhkan ilmu pengetahuan terutama sekali berkaitan ekonomi dan kewangan diri kita.

Tanpa ilmu, sebanyak mana bantuan atau subsidi yang kita terima,  kita akan sentiasa merasakan ianya tidak cukup.

Dengan adanya ilmu, sesuatu yang kurang kita boleh tingkatkan jumlahnya, sesuatu yang banyak boleh kita gunakan dengan penuh bijaksana!

Salam kekayaan,

THINKERICH

Mengenai Penulis

Khairulnahar a.k.a Thinkerich merupakan seorang blogger dan Internet Marketer yang aktif menyediakan informasi berbentuk pendidikan kewangan dan motivasi.

Mula bergiat aktif dan menceburkan diri dalam perniagaan internet tempatan sejak tahun 2007.

Kemahiran beliau adalah berkongsi idea-idea pengurusan wang dan menulis produk informasi kewangan sama ada di blog, ebook dan buku.

Sehingga kini beliau telah menulis beberapa buah buku (termasuk dalam proses penerbitan) dan lebih 15 ebook yang membincangkan tentang pengurusan kewangan peribadi dan motivasi.

Beliau juga merupakan seorang Konsultan Kewangan yang ditauliahkan sebagai Affiliate Registered Financial Planner (Affiliate RFP) oleh Majlis Perancang Kewangan Malaysia atau Malaysian Financial Planning Council (MFPC).

*Nota Penting: Anda dibenarkan untuk menyalin, menyebar dan meletakkan artikel ini di blog atau laman web anda selagi anda tidak mengubah isi kandungan artikel ini dan keterangan penulis mengenai Khairulnahar a.k.a Thinkerich di atas tidak dibuang.

Semua Artikel Di Blog Ini Adalah Hakcipta Terpelihara (c) PemikirKaya.com.

Tidak boleh digunakan tanpa kebenaran terlebih dahulu.

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