Many people complain that they don't have enough money. The salary is low and the increment is hardly can beat the inflation rate in Malaysia.
To me, no matter how much money you earn, as long as yo don't know how to do a proper planning in your expenses and investment, you will hardly can achieved financial freedom. Everyone can have financial freedom although he is not rich.
There is an argument between rich and financial freedom. "If I am rich, I can have many things and don't have any concern in living." He may right for the first half. It is hard to deny that money is very important. However, if you are rich, you may end up to be poor or bankrupt if you don't know how to do a proper financial planning.
No matter how much you earn, as long as you live within the salary or earning ranges, you can be consider a rich man.
Many people seems to be rich, but they may spend their living using credit card or loaning from bank. In Japan, 71% people in the range of 20-30 who RM160,000 or below annually are living in poor. They have no money in hand at the end of the month, unable to pay the credit card and hardly can handle their electricity bill or cell phone charges.
To me, I consider I am not rich in quantity (I mean my bank account is not having more that 5 digits), but I still consider myself rich in quality. I always try to maintain my expenses are well controlled and still have some extra money for me to do investment or saving. I may just driving a local Iswara car, but to me, as long as it is convenience to me, I am satisfy. I have no big dream in driving the nice big car that need to have money installment more than RM1,000 per month. I cannot afford to have it base on my salary. I just live and spend according to my priority.
As long as we understand the money, control the money, we will not be the slave for the money.
To me, no matter how much money you earn, as long as yo don't know how to do a proper planning in your expenses and investment, you will hardly can achieved financial freedom. Everyone can have financial freedom although he is not rich.
There is an argument between rich and financial freedom. "If I am rich, I can have many things and don't have any concern in living." He may right for the first half. It is hard to deny that money is very important. However, if you are rich, you may end up to be poor or bankrupt if you don't know how to do a proper financial planning.
No matter how much you earn, as long as you live within the salary or earning ranges, you can be consider a rich man.
Many people seems to be rich, but they may spend their living using credit card or loaning from bank. In Japan, 71% people in the range of 20-30 who RM160,000 or below annually are living in poor. They have no money in hand at the end of the month, unable to pay the credit card and hardly can handle their electricity bill or cell phone charges.
To me, I consider I am not rich in quantity (I mean my bank account is not having more that 5 digits), but I still consider myself rich in quality. I always try to maintain my expenses are well controlled and still have some extra money for me to do investment or saving. I may just driving a local Iswara car, but to me, as long as it is convenience to me, I am satisfy. I have no big dream in driving the nice big car that need to have money installment more than RM1,000 per month. I cannot afford to have it base on my salary. I just live and spend according to my priority.
As long as we understand the money, control the money, we will not be the slave for the money.
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