Langkah 2: Tetapkan keutamaan anda (keperluan & kehendak)
| Short-Term | Long-Term | |
| Keperluan (Apa yang diperlukan) |
Sewa mampu bayar Barang dapur mampu bayar Dana kecemasan Pakaian asas Utiliti asas Langganan telefon asas Telefon bimbit asas Childcare services (if you have dependents) |
Pendidikan awam
Perumahan asas Insurans nyawa (jika anda mempunyai tanggungan) Kereta/motosikal asas Insurans perubatan asas Perkakas rumah asas Simpanan persaraan |
| Kehendak (Tambahan kepada keperluan) | Netflix
Newest smartphone Kopi Starbucks Percutian keluarga Rokok Jam mahal Baju mahal Makanan di restoran Penyaman udara |
Percutian Kereta/motosikal premium Rumah mewah Perabot mahal Pendidikan swasta Rawatan Perubatan Swasta Insurans perubatan kelas tinggi |
Buat keputusan tentang beberapa keutamaan for your budget next month. Use the diagram above to help you figure out your priorities in the short– and long–term.
Sukuan Belanjawan
- Keperluan (Apa yang diperlukan)
Your needs are the important items that will get you through your daily life. These are the things you need in order to live such as food, shelter, transportation, etc.
- Kehendak (Tambahan kepada keperluan)
Wants are things you desire for pleasure or convenience, while needs are essential for survival. Eating home-cooked food is a need, while eating out is a want. Driving a car can be a need, but often it is a want due to personal preference.
- Short-Term
Pertimbangkan item yang memerlukan perbelanjaan untuk minggu-minggu atau bulan-bulan seterusnya.
- Long-Term
Item jangka panjang ialah pembelian yang akan anda gunakan untuk beberapa dekad yang akan datang.
By thinking about what you need in the short– and long-term, you’ll have a better idea of how much you will need to save for the future.
Kami telah menyenaraikan beberapa contoh dalam setiap bahagian sukuan untuk membantu anda memulakan proses ini, sila buat pindaan mengikut situasi anda sendiri.
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