Financial Freedom Journey 1.0

 Assalamualaikum..

Kali ini, sis nak cerita pasal my financial freedom journey. I just started and I want to record it here.

Banyak giler tips sis baca and any apps pun u guna, they will required you to have a budget. So here I am, creating budget to myself. It is really hard to start with but alhamdulillah I made it. Sis berjaya create budget.

Why the first step is the hardest apabila nak buat bajet? 

Sebab, apabila kau buat bajet based on kebanyakan financial advised - contoh: 10% saving, 10% entertainment and so on. Then kau sedar, that hutang kau dh over bajet kalau guna allocation macam tu. Kau pun putus semangat nak buat. Itulah yang terjadi kat sis. Huhuhu

Apabila sis dah tersangkut, sis learnt from my work apabila kita based on previous spending buat bajet. So dekat sini kita kena track spending. Track spending ni memang susah, but inilah step pertama yang sis ambil. 

Jujur sis cakap, sis dah berapa kali cuba track spending tapi selalu gagal. But this time, sis guna experience keep tract petty cash company. Sis pun adapt guna that technique untuk track spending.

Sebab apa sis rasa sis boleh berjaya kalau sis guna that method? well, setakat ni sis berjaya keeping petty cash company in order. 

Selama 3 bulan sis track spending, make sure cash in cash out tally. Kalau tak tally, memang frust sebab sis lupa apa sis belanja, and sis sangat satisfied apabila ingat.

After 3 months, sis dah bole furnish bajet sis based on spending habits and it is very interesting to know your spending habits.

Apa motivates sis untuk daily track spending? 

First of all, sis ada follow one IG nie and sis ada bayar program dia. Yes indeed most of her sharing, sis memang dah penah buat. Just that when u have someone guide you, then u know which to start and what to do and why it is important to do that.

She keeps on saying about budget. Dia cakap tak kan berjaya kalau xbuat budget. Sis pulak malas betul nak buat bajet sebab seperti alasan di atas. So when u dont have any basis, u just cannot pick any number on the air, it will end up u give up.

Since dia pun focus on this field, she make it really interesting sharing and you pun rasa nak cuba that method of her. Tambah lagi dah ada orang bagi testimoni about it. So I decide to do it.

Financial freedom (freeing myself from debt) dah menjadi azam/goal untuk setiap tahun. Why not next year or years to come, I can see there are changes on my spending.

To close our topic today, Alhamdulillah I managed to create my budget and currently I keep on monitoring my budget spending by track my spending. U jangan ingat apabila u berjaya buat budget, dah tak perlu track spending. Maybe there is a way, but sis guna method nie  dulu.

I pray that you also managed to have financial freedom.

Thank you for your time!