MelodyFM 16/11-8am-am-百物上涨，钱不够用，该如何规划

所谓“你不理财，财不理你”，家庭负债已经变成大马人一个普遍现象和病态，皆因理财不善所致。理财很难？别担心，你可以在这里留言你的问题，【Morning Boss 波士早晨】之波士你话事将会在星期三（16/11）7:45am请来财务规划师杨子佑，现场解答你的问题，你也可以拨打03-95433388现场征询相关的意见。
Chui Ling Jentzen Lim 林震前

Try this superb ’budget jar’ to help you save money and manage your finances-Bright Side

The ’’jar method’’ is one of the most effective ways to manage your personal and family budget. All you need to do is just divide the money you’re planning to spend in near future into six jars. Each jar will be responsible for one sphere of your life. If you follow this method, you’ll never spend more money than you plan to again.

We at Bright Side would like to share this simple way that will help you organize your income and spend it wisely.

Jar 1: basic necessities (55% of your budget) Money in this jar is intended for covering daily expenses and paying bills. It will also cover your costs for rent, transport, taxes, and food.

Jar 2: entertainment (10% of your budget) You can spend this part of your budget for purchases that you don’t buy regularly. For example, you can buy a bottle of expensive wine or go somewhere for vacation. Spend this money as you wish!

Jar 3: long-term savings (10% of your budget) This is a guarantee for your future financial independence. You’ll use money from this jar for investing and creating passive income sources. You shouldn’t spend these savings until you get complete financial freedom. And even in this case, it’s better to spend only the interest that you receive from these savings and not the savings itself.

Jar 4: education (10% of your budget) Money in this jar is intended to further your education and personal growth. Investing is a great way of allocating money, and you are the most valuable asset. Always keep that in mind. Use this money to buy books, educational CDs, or courses — it will pay off later.

Jar 5: private reserves (10% of your budget) These savings can be used for large purchases. Spend this money when you want to buy a flat screen TV, an annual gym membership, or a car. This is your reserve fund that you should constantly replenish.

Jar 6: charity and gifts (5% of your budget) Spend this money when you need to buy gifts for birthdays, weddings, and other celebrations. You can also donate this money to cancer aid associations, animal shelters, or just people who need help.

《资汇》第399期-预算案为首购族捎喜讯？年轻人细心考量两“子”问题

#资汇 #财政预算 #第一间屋子 #第一辆车子#杨子佑硕士 #理财规划 #理财 #财福人生 #TheBusyWeekly #firsthouse #firstcar #Budget2017 #financialplanning #finfreedom #MoneynLife #moneymastermy

Redefine your own retirement life you want

HRDF/SIDC CPE/FIMM CPD Course: The secret to a happy retirement @PG

Date: 20 Oct 16 (Thur)
time: 9am-6pm
Venue: Fin Freedom

Highlights
1. Redefine Retirement
2. Provide DIY retirement tool
3. Optimize current Nest egg
4. HRDF Claimable
5. 10 CPE & 8 FIMM CPD points awarded

Objective
1. Allow the participants especially matured adult to plan well for their retirement, have a peace of mind to maintain work life balance and stay focus on job.
2. Allow the participants to master winning strategies to optimize their nest egg to achieve their retirement.

Who should attend?
Everyone, who is matured enough to learn how to craft and master their own retirement lifestyle

Learning Outcome
1. Participants should be able to better manage of client’s finance and retirement life.
2. Participants should be able to help their client take control of their own life, family and money.
3. Participants should be able to guide their clients to live life to the fullest and in the same time giving and helping those needed.

Course Outlines
1. Define your retirement
2. What kind of retirement life you want
3. How much nest egg you have to fund your retirement?
4. What are strategies to optimize your nest egg?
5. Preparation to retirement
6. Summary

#CPE #HRDF #CPD #FIMM #retirement #retireearly #balance #nestegg #financialplanning
#moneymastermy #finfreedom #learning #workshop #moneylife

(10 CPE SIDC,8CPD FIMM) Leading Your Mental Well Being Through Effective Financial Stress Management

Financial stress is one of the major contributor to family problem and also overall stress we faced daily, come to join me to learn the skill to address it well in order to have success in money, family and life


Transforming Your Energy: Leading Your Mental Well Being Through Effective Financial Stress Management

Date: 8 Oct 2016
Time 9am-6pm
Venue: Fin Freedom Sdn Bhd

Highlights:
1 Identify financial stresses
2 Implement stress management strategies
3 Reduce stress by 50%
4 HRDF Claimable
5 10 CPE & 8 FIMM CPD points

Objectives:
Upon completion of this course, participants will be able to:
1. Recognize the causes of financial stress and its impact on client.
2. Identify financial stresses level faced by client.
3. Identify 5 effective financial stress management strategies.
4. Implement the strategies to reduce the clients financial stress by 50% and maintain financial wellness

Outcomes:
1. Participants should be able to better manage of the client’s finance and stress.
2. Participants should be able to help client take control of their own life, family and money. 3. Participants should be able to help client to transform stress to vitality by balancing Yin Yang energy.
4. Participants should be able to help client to develop positive energy leadership skill
5. Participants should be able to guide their clients to live life to the fullest and in the same time giving and helping those needed.

Content
1. The relationship of financial stress to job
performance.
2. Identify whether the participant are having any financial stress
3. What are the top 5 common financial stresses?
4. What are the strategies to reduce the financial stresses?
5. Re-assess participants financial stress level
6. Summary

#CPE #HRDF #CPD #stress #financialstress #balance #stressmanagement #financialplanning #moneymastermy #finfreedom #learning #workshop