What is Your Financial Goal? - Page 3
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  1. #31
    Immigrant mochacinoholic's Avatar
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    Default Re: What is Your Financial Goal?

    Gw klo mulai black period gni mulai mencatat jga pengeluaran sekecil2nya pas mlm sebelum tidur n mengoleskan krim2. N jdinya ketauan total cash out hari itu brpa?sisa uang di dompet yg ada jdi cash in di hari berikutnya.tiap mggu direview pengeluaran apa yg paling gede. Mis.transport, yo wis ini mesti dihemat yg tdinya naek taxi jdi ojek trus jdi angkot, diliat penghematannya brpa? Ini jdi motivasi kta klo dah tau angka penghematannya...Hidden Content
    trus kyk kta wina ambil atm cuman semggu sekali mis hari senin, jdi sekali ambil harus cukup buat semggu. Nah ini jga trik krna di akhir mggu uang kta dah tipis jdi kta ga tergoda ke mall pas weekend..bener2 menderita siy..Hidden Content but it works for me..Hidden Content
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  2. #32
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    Default Re: What is Your Financial Goal?

    Goal jangka panjang: Financial Freedom tentunya....biar bisa ngebahagian ortu, keluarga dan org2 disekitar gw.

    Goal jangka pendek: Mo bisnis franchise

    So far sih life syle gw dah cukup irit....kl mo diirit lg gw bisa sakit karena kurang gizi en stress karena kurang rekreasi...ya jadi gw udh bisa atur pengeluaran seminimal mungkin dengan hasil yg semaksimal mungkin.

    Sekarang yg jd fokus gw adalah gimana investasi gw bisa nambah.

    Kuncinya bisa ngatur pengeluaran sih sebenernya cuman niat....mesti punya tujuan atau impian yg kuat Hidden Content
    Having troubled skin? Maybe it's time to switch to natural skin care products. No parabens, no alcohol and other harsh chemicals. Please follow IG @secretessentia or www.secretessentia.com.

  3. #33
    CEO Female Daily Network Elite Citizen Hanzky's Avatar
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    Default Re: What is Your Financial Goal?

    the sundays hebat sekalii kawinannya biaya sendiri. Kalo gue dulu disuruh biaya sendiri sih cukup KUA saja..Hidden Content
    Save yourself from the headache and read reviews from thousand of our members! Bisa difilter sesuai umur, jenis kulit, warna kulit dan budget. Only in FemaleDaily.com -- hanzky.com

  4. #34

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    Default Re: What is Your Financial Goal?

    I used to be really bad when it comes to taking care of money. I put more money in the mall more than the bank Lol! But I realized that if I don't take care of my own financial, then who will?

    I used to work for a Korean company and I have learned that my boss and my coworkers are very diligent about saving up their hard earned money. I remember that all they used to talk about was investment and stock exchange. I have also learned that it's not about how much money you are able to save but how consistent you are with your habit of saving. Discipline is the key! Of course it was really hard for me at first too give up shopping but I made a promise to have a good relationship with my banker.
    So I opened ING direct online account which I linked to my primary bank. I set up the account so it retracts money from my bank and distribute it to different folders in ING (Utility bills, health, auto care, groceries)..and everytime I get my salary I automatically slash it in half and put it in my saving. Budgeting is the key. I list in order of what is important to me. Shoes vs food? Or eating out vs buying stocks? Pay $5 for Starbucks or 50c for freshly brewed coffee at home? Paying full price of groceries or clipping coupons? buying BMW or settle with an older model of Honda that allows me to save $ on maintenance and gas? I remember watching Suze Orman on TV and she said, "Pay yourself first!" and I did just that. Taking care of my finances really made me realize my lifestyle and the choices that I make along the way.

    My financial goal is to save enough money so I can have a comfortable retirement life. I don't really want to depend of my children for money in the future. I gotta say that it's not easy. I still cringe everytime I see a big fat SALE sign in store windows. But unlike before I think twice before buying. If I see something I like, I would go home and 'sleep on it' and see if the next day I still want to buy it. 9 out of 10 times I would forget about it the next day. I am not cheap. I still give restaurant workers, hairstylist, hotel bell boys and housekeeping staff tips that they deserve for their hard work. I think the correct term is frugal. I gave up so much but I gain a lot more and my life is so much simpler and happier Hidden Content

  5. #35
    Citizen hemlis's Avatar
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    Default Re: What is Your Financial Goal?

    DSAMO Hidden Content buat disiplinnya! separo gaji langsung masuk tabungan! mantabbbb!!!
    wish i could do that. am not frugal enough. masih suka banyak kepengenan di luar kebutuhan. malah sering juga jadi cari2 justifikasi buat pengeluaran2 yg gak penting. ddduuuhhhh!!
    beberapa bulan terakhir sih emang puasa banget belanjanya, tapi itu juga kepepet emang karena tabungan gue abisin buat pindahan. setelah beres pindahannya, khawatir tergoda blenjablenji lagggeeee ...

  6. #36

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    Default Re: What is Your Financial Goal?

    Buat para singles yg bingung mengalokasikan dana buat apa, kalo blm punya kendaraan bisa tuh mulai nyicil beli kendaraan apakah itu motor atau mobil. ambil yg 3 thn aja biar cepet selesai. ga usah mobil baru atau yg mahal, asal umur mobilnya belum 10thn sampai cicilannya lunas dan cari yg irit. mungkin kalo rumah or apartment agak berat dan cicilannya panjang. It works for me, krn tiap bulan mau ga mau mesti nyiapin uang buat bayar cicilan plus perawatannya. Skrg mobil gw dah dijual (setelah lunas) krn pas udah married mobil 1 udah cukup, laki gw kadang suka naik taksi, jd gantian aja. Uang hasil jual mobilnya dideposito.

  7. #37
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    Default Re: What is Your Financial Goal?

    target jangka pendek menabung: buat biaya sekolah bahasa di Taiwan!!!

    hohoho jd sekarang lg menyelesaikan waktu kerja (my last month) di perusahaan sekarang, terus fokusin skripsi sambil ngajar les privat bhs inggris utk nambah2 tabungan.. terus bulan oktober cap-cus deh ke Taipei.. hohohohhhh Hidden Content

  8. #38
    Resident nia's Avatar
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    Default Re: What is Your Financial Goal?

    my financial goal dalam waktu dekat adalah terkumpulnya dana untuk lanjutin sekolah. Yang lainnya adalah tercapainya dana darurat pada akhir tahun 2010, investasi dan tabungan bertambah karena selama ini nambahnya dikit diakibatkan beli-beli barang yang ngak perlu.

  9. #39
    Citizen suz3n's Avatar
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    Default Re: What is Your Financial Goal?

    Target jangka panjang: financial freedom

    Target tahun ini: nambahin investasi saham di blue chips. Karena harga saham makin naik rasa nya ragu untuk beli, tapi kudu memantap kan hati.

    Aku ga bisa ngitungin pengeluaran detail bener, jadi cara gampang yang aku pakai adalah aku hitungin semua kebutuhan ku per bulan. Biaya yang harus aku keluarkan dari gaji ku mis: uang makan, perpuluhan, belanja make up, dll, plus miscellanous 10%. Total ini langsung masuk ke satu rekening saja. Jadi aku membatasi diri ku sebulan hanya boleh spent dari uang yg di rekening ini. Kalau masih ada dana nya berarti aku masih bisa bebas beli apa yang lagi diinginkan. Biasa kan cewe, jalan ma teman lihat pameran keknya pantang deh pulang ga bawa tentengan.

    Sebelum pakai cara di atas, hadoh... Tarik atm selalu dr rekening gaji, karena saldo nya berasa ada terus, ya tarik juga ga pakai beban. Ibarat nya pengeluaran ga ada limit nya.

  10. #40

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    Default Re: What is Your Financial Goal?

    harusnya sebelum masuk ke thread MP kudu masuk thread ini biar ada yin dan yang, hehehhe
    anyhow so far gue chek sih kondisi keuangan gue gak parah2 banget yak ...

    Dana pendidikan anak : udah ada asuransi (yg katanya gak tepat ya Hidden Content )
    Dana Darurat : aman
    Hutang cc : Nihil (gue tipe yg selalu lunasin tagihan cc setiap bulan)

    nah tp gue gak belum ada investasi yg bener nih, cuma ada di tabungan ama logam mulia (yg gak seberapa itu)... jadi gue mau coba mulai investasi untuk tujuan sbb:

    target jangka panjang : ada tambahan dana pensiun, skr sih udah punya DPLK, tp pengen nambah aja di reksadana , habis liaht hitung2an ligwina, ngeriiii inflasinya

    target jangka menengah : gue pengen banget punya rumah/properti atas nama gue, nyesel bgt pas masih single dulu gak mulai nyicil rumah,


    target april : mau mulai buka rekening reksadana nih tp kok NAB nya udah pada naikkk ...???

  11. #41

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    Default Re: What is Your Financial Goal?

    target jangka panjang : punya klinik umum, ini sih rencana bersama bf.

    target jangka pendek : pengen nyicil rumah kecil buat investasi..

    tapi sejak masuk fd, aduh godaan di MP tuh kayak susah ditolak, mesti make kacamata kuda... hehhehe

  12. #42
    Permanent Resident Aryanrod's Avatar
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    Default Re: What is Your Financial Goal?

    Dana Darurat...
    Kalian biasanya hitungannya gimana??
    Kalo 6x pengeluaran bulanan itu kekecilan nggak sih??

  13. #43

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    Default Re: What is Your Financial Goal?

    silent reader mau ikutan Hidden Content

    karena aku masih kuliah, jadi financial goalnya ya masih berhubungan sama daily cost, hehe..

    goal bulan ini:
    1. mengurangi jatah belanja roti. padahal udah makan kenyang, tetep aja lapar mata tiap lewat bakery. emang sekali beli sih gak seberapa banyak, tapi karna ketagihan hampir tiap hari, ya dompet juga yang menanggung deritanya Hidden Content so, seminggu sekali cukup! hihi..
    2. melanjutkan puasa ngopi. no starbucks ond others! udah hampir tiga bulan gak ngopi. kerasa banget efeknya di dompet Hidden Content
    3. mengurangi naik taksi, apalagi kalo jalanan lagi macet
    4. laba hasil dagangan langsung disimpan di account tersendiri dan gak boleh ditransformasikan dalam bentuk sepatu, tas, maupun baju Hidden Content
    5. saat lapar, hindari lewat di depan tempat makan yang harganya bikin bokek
    6. porsi uang bulanan yang mau ditabung harus bisa meningkat sampe sepertiganya *belum pernah terealisasi, tapi bukan berarti gak mungkin kan yaa


    goal jangka menengah: bisa lanjutin sekolah pake uang tabungan sendiri.
    harus bisa! Hidden Content

  14. #44
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    Default Re: What is Your Financial Goal?

    target jangka panjang: financial freedom.

    Target jangka pendek: membiayai adik kuliah, sama biaya menikah sendiri ^^, beli mobil, jalan2

  15. #45
    Resident jdas's Avatar
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    Default Re: What is Your Financial Goal?

    Fders..daku agak gemetar nih nulis financial goal bulan ini krn sudah belobang oleh pesenan 2bh tas di FD market dan multiply gara2 info belanja dr forum disini *kambing hitam mode on*..untungnya biaya investasi auto debet jd selamat deh..tp menuju akhir bulan ini suami dan anak makan dr catering dan bakso deket rumah aja...maafkan mama nak...hiks..

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