apakah benda ffa lts nec play itu?? huhu. sebenarnya agak sangat lama dah ai mahu menge-pos tentang benda mentera nih. hari ni baru lah baca balik…dan rasanya benda baik macam ni mmg kita patut share betul idak?

Sistem ini adalah dicipta oleh T.HARV EKER, dia panggil benda ini JARS SYSTEM. tanpa bahasa berbunga-bunga, kita baca ajalah yer..

> Financial Freedom Account (FFA – 10%): This is your golden goose. This jar is your ticket to financial freedom. The money that you put into this jar is used for investments and building your passive income streams. You never spend this money. The only time you would spend this money is once you become financially free. Even then you would only spend the returns on your investment. Never spend the principal or else you’ll go broke!

> Education Account (EDU – 10%): Money in this jar is meant to further your education and personal growth. An investment in yourself is a great way to use your money. You are your most valuable asset. Never forget this. I have used education money to purchase books, CD’s, courses or anything else that has educational value.

> Long Term Saving for Spending Account (LTSS – 10%): The money in this jar is for the bigger nice to have purchases. As I said in my last post, Trisha and I are going to Whistler, BC in January 2008. The only reason we’ve been able to make this happen is because we’ve accumulated a nice sum in our LTSS. A small monthly contribution goes a long way.

> Play Account (PLAY – 10%): This is my favorite account. PLAY money is spent every month on purchases you wouldn’t normally make. The purpose of this jar is to nurture yourself. You could purchase an expensive dinner, get a massage or go on a weekend getaway. Play can be anything your heart desires. I’ve spent my play money on a night of  sushi at a Japanese restaurant; hockey equipment that I didn’t really NEED but wanted; etc.

> Give Account (GIVE – 5%): The money in this account is for giving away. Trisha and I give money every month to the Sick Kids Hospital Foundation. We also use the money in this jar to give to family and friends on birthdays, special occasions and holidays. You can also give away your time as opposed to giving away money.  When you give your money or time you’re sending a sign of abundance to the Universe. You’re telling the Universe that you have plenty of everything, you’re abundant. Giving signals abundance. This will magnetically attract more abundance to you.

boleh baca the whole post yg ditulis kat sini yer — http://www.stephenmartile.com/?p=98

oklah memang agak terpengaruh dengan the secret, tapi sebenarnya ia cumalah sistem yg membantu kita menguruskan kewangan. terutamanya bahagian FFA, siapa kah yg ada save 10% angkat tangan!!!  well, suprisingly, memang tak ramai…{i pon tak sampai 10% rasanya huhuhu} Ttapi rasanya paling tak ramai bagi 5% dari gaji ke arah derma, betul tak…{ ai angkat jari….}

cara urus duit jika udah kahwin

mungkin kita boleh start dengan, lepas kita tentukan berapakah jumlah NEC , (mungkin lebih 55%), balance itu barulah dibahagikan kepada FFA EDU LTSS PLAY GIVE dengan nisbah 1:1:1:1:0.5.

Btw, JARS tu bukan juga maksudnya kena ada tempayan 6 biji. bukak lah sub-account under an acct, or ada jars bebtul lagi vivid..lagi sentap tengok kalau jar Long Term Saving kosong. cuma jgn lupa transfer duit FFA LTS to other investment acct macam ASB Unit Trust Annuiti Plan etc.

insya allah…………… jika boleh disiplin gini, boleh ni kita kaya sama-sama. apa-apa pun, marilah kita mulakan. anyway, walaupon ai dah tau JARS system ni lebih dari 5 bulan, baru la ni nak start..ish ish..better late than never~~ anda juga, fikir-fikirkan ler yer… mungkin boleh uruskan cara guna duit yg banyak tu