Money Managing?

Insert: Uso [ED in Fullmetal Alchemist, by SID] / JAP [by Abingdon Boy's School]


I have pretty much problems with people's money management, like, seriously.
I know life is short, you need to live fully to it, blah blah blah.
But seriously, money saving is IMPORTANT duud! D<


I can't believe there's really some that doesn't save up, AT ALL.


You get like, RM120 per week, yet you have nothing left?
I know inflations and shtuffs are becoming worse in Malaysia but still, you can at least save like, whut, RM10?
The veeeeery least la, come on! D8


Don't think that's RM10 ish small, okay?


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So this is normally how I manage my money.


Let's say, I get RM300 per month.


I would firstly, keep 10% of them up - in this case, RM30.
Then carefully, plan my plans for everyday.
Let's say one meal ish like RM5 for minimal, edible, food.
There's like, 30 days per month, so it'll be like, RM150 goes to food.
(Of course, if you're not eating through your own money every day, you can cut the amount.)
Transport fees, since I'm driving, I would prepare like RM50 for that.
So I still have like, RM70 left.


Now I still have RM70 left. I did other kinds of expenses with this amount. Let's say...


Buy Text books?
Buy Wen Ju (?)?
Buy better foods for myself?
Buy fashion shtuffs?
Buy/Repair new/broken shtuffs?
Throw them into my savings?


Yeap. And mostly, since you don't need to buy text books for like, EVERY SINGLE MONTH, and I'm pretty sure some don't even buy them at all, I skip the first one. The second one wasn't really needed since I had my notebook now, so I'mma skipping for the second one. Third one, maaaaybe. But it's not like I everyday eat luxurious foods so... skipping for the third one. I'm not a shopping person, so yeah. Skip the forth one. Fifth one? Unless you're so unfortunate you broke things often, you can skip that too. Therefore, the sixth one is mostly my choice.


Through this kind of management, I can like, have AT LEAST RM30 as saving (per month), and if I'm lucky enough, I get extra RM70 or RM 100 (from the food) for savings.


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So how would I manage my saving, if I do have? Let's say, I had like RM1000 right now (okay, I know that's impossible, but if you keep that method above for at least one year, I'm sure you can do that if you're still a student, have jobful parents, don't need to pay for rentals by your own, and you definitely don't need to give your money back at your parents), I do this kind of planning:


Take RM500 out, planning as below:


50% - medical expenses/saman/accidents
50% - personal survival emergencies (just in case if things happened with your current money in hand and you have the lack of usage in money)

Another RM500:

Do whatever you want with it LAWLZ.


= = = = = =


Now, there's this type of people that I HATE the MOST.


Once they get the money...


60% - all living expenses (they deemed) / MAKAN SYOKSYOKSYOKSYOKSYOK
20% - buy whatever things they wanted / SHOPPING TAIMU!
20% - help "unfortunate friends" / BELANJA KAOKAOKAO
=== 100% Sekajigus Goodbye. :/


TBH, this kind of people will end up borrow money from the others, because they will find out that they have no money anymore since they're spending it WRONG. And usually, they will THOUGHT they still have a lot of just spend them all in whatever they wanted... then when they realized that they did not have enough money, they will borrow from the others.


Worse case happened when you have a credit card, because you will be using your FUTURE money to pay your PRESENT expenses.


So actually, it's like this instead of the above:


80% - Makan / Shopping (either or, you decide)
30% - Shopping / Makan
30% - Belanja
= 140% OVERLOADED EXPENSES D8


So where the other 40% come from? BORROW LAH! DDD|
And if they're used to this kind of money-spending cycle, they will slowly become like this:


50% - paying back the debts
50% - Life / Shopping
30% - Shopping / Life
20% - Belanja/KEEP MY FACE MAN!
= 150% STILL OVERLOADED D00D! DDD8


But it's hard to change, seriously. :\


And most people don't notice that they started from the veeeery first I said, and slowly, transformed into the above.


Bankrupt is not included in this example, because that's an unfortunate accident. D8


PS:
I REALLY discourage people to borrow money from the others.
And don't EVER borrow your own money to the others - for they will not pay you back. Srs.


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And most of this type of people will say these...quoted from REAL speeches. :\


"I BO LUI LIAO! (I no money already!)"
>>> My ass. You got A LOT, just with bad management :\


"HAIYA! Next time I pay you back lor!"
>>> Next time next time, as you drag, 2 years later also never pay back yet lah!
>>> Normally this kind of people are used to use this quote at A LOT of their friends who trusted him or her, and gets the money, but rarely pays back. Even if they did, they will still have a huge amount of debts.


"EI, come, I belanja you! Har? No money? NEVERMIND LA! We FWEN ma!"
>>> ...if you no money, PLEEEEEASE, don't belanja. Learn to KEEP YOUR GOLD, not KEEP YOUR FACE! It's better to lose your face than lose your gold, which you will lose even more faces in the end!


Either that, or something similar.
I'm SERIOUS. D<


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Not done yet... might add some BAD examples later, and some good examples if I found one @w@