Dalam kehidupan seharian, tiada siapa yang dapat menjangka apa yang bakal berlaku pada masa hadapan
Oleh itu Pendidik Kewangan, Faiz Azmi atau lebih dikenali sebagai Financial Faiz menyatakan memiliki tabung kecemasan adalah satu keperluan yang tidak boleh diabaikan.
Ikuti temu bual Gempak bersama Financial Faiz.
Oleh itu Pendidik Kewangan, Faiz Azmi atau lebih dikenali sebagai Financial Faiz menyatakan memiliki tabung kecemasan adalah satu keperluan yang tidak boleh diabaikan.
Ikuti temu bual Gempak bersama Financial Faiz.
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00:00If so, we have to quit our jobs.
00:01There's no emergency money to live for the next 3-6 months.
00:09Okay, do you think the current generation thinks
00:12saving is important or not?
00:14If you want to know, let's ask them.
00:17Okay, I want to ask you, do you save?
00:19Sometimes I do, sometimes I don't.
00:20Oh, why do you sometimes do, sometimes you don't?
00:22Because sometimes I travel more.
00:26So if you do it for a month, how much do you give?
00:28200.
00:29200 ringgit?
00:30So do you think it's important for the current generation to save?
00:33I think it's important because we don't know what's going to happen in the future, right?
00:37So we have to save.
00:41Less than RM1,000?
00:43Of course it's important.
00:44Because in the future, we don't know what the future will bring.
00:47Emergency is important.
00:49We don't know when the disaster will hit us.
00:52So we have to make a preparation.
00:53I will save RM100 a month.
00:56I think it's important because it's for our future needs too.
01:00So if there's an emergency, at least we have our savings.
01:04Okay, today, Gempak with Financial Education, Mr. Faiz Azmi.
01:11Where if we had asked a few people about saving,
01:14whether they have started saving or not.
01:16So today we want to ask Mr. Faiz, right?
01:19Mr. Faiz, actually, I asked earlier, they said like,
01:22Oh, some have started, some have not started.
01:24But we also want to know actually,
01:26when is the right time to start saving?
01:29To save, the best time is now.
01:31So if someone has been working for 10 years,
01:33the best time is 10 years ago.
01:34But if he has missed it, now he can start saving.
01:38Don't wait until next month because this month you want to spend money.
01:40Or wait until after you get married next year.
01:42No, no, no.
01:43Start saving now.
01:45But I ask, when we talk about saving, right?
01:48Some people also talk, I can ask,
01:49how much will they save every month?
01:51Some say RM200, some say RM100.
01:54The amount that people say may not burden someone.
01:58How do we look at it in terms of salary?
02:00Some also say like,
02:01Oh, I took 20% of my salary to save.
02:04So Mr. Faiz's own opinion,
02:06how much is appropriate for someone to save?
02:09Okay, put it this way.
02:09If earlier someone said RM100, then RM200.
02:11If his salary is RM10,000, but he only saves RM100,
02:14so how much percentage does he save?
02:16Not much.
02:17And then if RM800,
02:19but his salary is RM2,000.
02:20Then if he saves RM800,
02:22RM2,000 salary, only RM1,200 left.
02:23How does he want to live?
02:24His answer is,
02:25number one is,
02:26when you get paid, reject it first.
02:28For example, earlier Asyraf said about RM200.
02:30RM2,000 salary, reject RM200, only RM1,600 left.
02:32RM400, don't look at it directly.
02:33He said, I can't see it, I can't see it.
02:35Put it in the ASB or KPSP.
02:37Spend based on RM1,600.
02:38Then if you feel you can add more, go ahead.
02:41His issue is not the amount.
02:43His amount, sometimes if people earn RM20,000,
02:45but he has a lot of commitments,
02:46it's difficult for him to save RM100.
02:48That's why we have to reject it first,
02:49then we feel like we are spending,
02:51like people who earn RM80,000,
02:54then it's fun, then it doesn't feel very burdened.
02:56The burden actually comes from ourselves.
02:58People who earn RM20,000 don't save,
02:59he spends RM20,000.
03:00People who earn RM20,000, he rejects RM4,000,
03:02he spends like people who earn RM16,000.
03:03Then he can live with that RM16,000 salary.
03:06One more thing,
03:07in terms of saving,
03:08there are people who save,
03:10maybe because they want to get married.
03:11There are people who save to buy a car.
03:13There are also people who say they save,
03:14oh, this is to save for an emergency.
03:17Do we only need one savings
03:20to meet all these needs,
03:21or do we need to separate?
03:23Saving for an emergency is the most important thing.
03:24In terms of saving, if there is nothing,
03:26start saving for an emergency first,
03:27because we don't want to be in a situation
03:29where there is an emergency.
03:31For example, our child goes to the hospital,
03:32the medical card does have a medical card.
03:34For example, if there is no medical card, it is difficult.
03:35But sometimes we want the child to go to the hospital now,
03:38but his guarantee letter has not arrived yet.
03:40Then he asked for a deposit of RM5,000
03:42to be awarded for 2 nights.
03:44For example, because our PGL has not yet been approved.
03:46We have RM5,000.
03:47That's where we can use the emergency savings.
03:49Another example is if we have to quit our job.
03:52There is no emergency money to live for the next 3, 6 months.
03:54Then it's difficult.
03:55That's why there will be an emergency savings.
03:56Once there is that,
03:57then we start saving to get married, to buy a car.
04:00But does this savings need to be consolidated?
04:02For example, an emergency, one savings,
04:04and other savings,
04:05we put the same consolidated savings.
04:08Why?
04:09Sometimes we say we want to save for marriage.
04:11Look, after 6 months of saving money,
04:13the engagement is broken.
04:14It's okay, you can use the money to buy a car.
04:15Because that money is the savings we can use
04:17whenever we want,
04:18whenever we feel like we need it.
04:20But this emergency must be there.
04:22Can't touch it, let it touch.
04:24Only when there is really an emergency,
04:26I want to tell you,
04:26want to buy a car or have a sale.
04:28Oh, the sale is awesome.
04:30It's true that the back of the hand from RM10,000 to RM6,000.
04:32That's right, we know it's normally sold for RM10,000,
04:34suddenly it becomes RM6,000.
04:35For just this month or for just this week.
04:37That's not an emergency.
04:38Let's not lie to people that we have money in the emergency fund
04:41to buy a RM6,000 back of the hand,
04:43even though it's really a sale
04:44and we think it's an emergency,
04:45it's not an emergency.
04:46There are also those who when I asked,
04:48he said like,
04:48Oh, I put money in a month,
04:50I don't put money in a month
04:51because I want to buy things, right?
04:53So how do we want,
04:54for people like this,
04:55how do we want to discipline ourselves
04:57so that we have a solid finance.
05:01So when we have an emergency,
05:03we are safe.
05:04This is an extension of what I said earlier,
05:0520% but basically what we need is a budget.
05:09There are many types of budgets out there, okay.
05:11Some people say that the budget is put in a sack,
05:14hide it, don't show it.
05:16Indeed, the opinion is that it can be used,
05:17but it becomes difficult to discipline yourself.
05:19Easier, the budget is in our mind.
05:20We use a budget of RM50,000, RM30,000, RM20,000.
05:22Some people will use RM60,000, RM20,000, RM20,000.
05:24Some people will use RM60,000, RM10,000, RM30,000.
05:25It depends on our ability.
05:27If you want to start now,
05:28maybe it's difficult to make RM50,000, RM30,000, RM20,000
05:30because RM50,000 is a commitment.
05:31So let's say I said,
05:32Okay, you just make RM50,000 as a commitment.
05:33Look, you pay a commitment of RM60,000 as a salary.
05:35Then, it's okay, you make a commitment of RM60,000, RM20,000, RM20,000.
05:38But move it so that when you raise your salary
05:40or there is time to cut the commitment.
05:42For example, we have a water supply system that has run out of contracts.
05:45Don't continue the new one.
05:45So our commitment will be reduced over time.
05:48So budgeting is important.
05:49Because once there is a budget,
05:5120% is for savings.
05:52It's ready.
05:53So you spend like someone who has 80% for daily expenses,
05:5750% for living commitments,
05:58and 30% for personal.
06:00Do you want to subscribe to Netflix?
06:01Do you want to watch Astro?
06:03You can, or you say,
06:04Alamak, I have a commitment of RM70,000 as a salary.
06:06It's okay.
06:06Then you pay a commitment of RM10,000 for personal expenses.
06:09You have to do it.
06:10Don't make excuses, say,
06:11Okay, I have a commitment of RM70,000 for living expenses.
06:13But I want RM30,000 from my salary to go to personal expenses too.
06:16Then I don't have savings.
06:17No, no, no.
06:18This RM30,000 we can control.
06:19Then we control.
06:20We reduce it.