9 tip urus kewangan bagi cikgu muda yang baru posting

Asia's Tech News Daily

Bagaimana mahu menguruskan kewangan dengan baik di peringkat awal pekerjaan?

Adakah perlu mengasingkan separuh gaji untuk simpanan tertentu atau bagaimana…

Guru Cemerlang Sains, Sekolah Menengah Kebangsaan (SMK) Jerlun, Kedah, Norhailmi Abdul Mutalib menerusi blognya, berkongsi tip pengurusan kewangan untuk guru-guru yang baru berkhidmat dalam dunia pendidikan.

Beberapa tip penting diketengahkan oleh Cikgu Norhailmi berdasarkan pengalaman dirinya dan rakan-rakan lain.

Jom kita hadamkan.

*****

Pengurusan kewangan bagi cikgu muda yang baru posting memang merupakan satu cabaran. Baru pegang gaji dan duit sendiri, maka banyaklah benda yang hendak rasa dan beli.

Apatah lagi komitmen pada awal karier ini memang lain macam sikit. Masa inilah nak simpan duit untuk komitmen yang besar, macam untuk kahwin, beli kereta, rumah, hendak bantu keluarga dan modal berniaga. Itu belum lagi hendak guna untuk gaya hidup, macam beli baju pakai, gajet, barang mekap dan lain-lain yang sebelum ini, mampu tengok saja.

Saya sendiri struggle untuk lima tahun pertama bekerja dalam menguruskan kewangan sendiri! Cukup makan saja.

Lagi menarik, sebab cikgu-cikgu ini ada slip gaji dan senang buat pinjaman, maka ramailah yang datang mengerumun dan tawar macam-macam tawaran. Maka sebab itu tidak hairan, ramai kalangan pendidik yang akhirnya terperangkap dengan jerat kewangan ini.

Baca juga Tip skor A subjek Fizik SPM, Cikgu Nurul Husna kongsi rahsianya

Baca juga Pensyarah Kanan UiTM gesa ibu bapa pantau aktiviti dalam talian anak-anak, cegah sebelum parah

Ini termasuk dengan kena tipu oleh Skim Cepat Kaya, MLM dan perniagaan lain yang akhirnya terjerat kena bayar pinjaman bertahun-tahun untuk benda yang tidak ada.

Pendek cerita, lepas itu akan berada pada keberhutangan yang serius, iaitu jumlah hutang lebih daripada 60 peratus pendapatan.

Nauzubillah!

Semoga kita semua dijauhkan daripada hutang. Jadi, sebelum anda dijerat dan terjerat, jom kita baca beberapa tip yang saya kongsikan daripada pengalaman sendiri dan rakan.

1) Keperluan atau kehendak

Ini paling asas. Walaupun mudah, tapi ramai yang tersilap langkah. Hendak bezakan, apa yang perlu dan apa yang teringin.

Jadi, buat senarai supaya anda jelas apa yang keperluan dan apa yang kehendak. Utamakan barang keperluan daripada kehendak. Macam saya, kalau teringin sangat hendak beli gajet atau apa sahaja, biasanya saya letak sasaran beberapa bulan duit lebihan barulah beli.

9 tip urus kewangan bagi cikgu muda yang baru posting
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2) Catat perbelanjaan

Ini antara benda saya buat masa mula pegang gaji. Dekat tiga tahun juga buat sebab hendak catu duit. Jadi saya akan tulis berapa banyak saya belanjakan untuk makan, bayar duit kereta, sewa rumah, bil dan lain-lain. Tujuan supaya nampak jelas ke mana duit kita mengalir. Jadi bolehlah berhemah sikit untuk bulan berikutnya.

9 tip urus kewangan bagi cikgu muda yang baru posting
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3) Elak MLM

Serius benda ini paling Big No! No! Tak payahlah rasa cepat terpedaya sangat dengan benda-benda yang jenis tidak ada buat apa, tidak usaha, tapi duit boleh masuk jadi cepat kaya. Serius menipu!

4) Elak kad kredit

Masa zaman saya mula jadi cikgu dulu, memang banyak tawaran kad kredit. Semua bank sepakat bagi percuma, tunggu nak jerat kita bila kita guna saja. Dan godaan ada kad kredit ini memanglah sangat tinggi! Duit tidak ada, tapi boleh ‘beli’ barang. Selepas itu, hadaplah bunga dan interest setiap bulan.

Walaupun ada yang kata guna kad kredit ok, tak ada masalah kalau pandai urus, boleh guna masa kecemasan dan sebagainya, tapi seperti yang saya kata tadi, godaan dia sangat tinggi. Jadi, kalau anda berhasrat juga hendak guna, maka fahamkan betul-betul syarat dan peraturan, supaya anda tidaklah ditipu dengan cas tersembunyi itu.

9 tip urus kewangan bagi cikgu muda yang baru posting
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5) Simpan 10 peratus atau paksa

Ini antara satu teknik simpan duit yang saya rasakan berkesan untuk saya. PAKSA! Jadi, mula awal kerja saya sudah berkira-kira hendak asingkan sedikit duit supaya boleh jadi simpanan masa kecemasan terutamanya.

Kalau ikut teknik kawan saya, dia akan simpan 10 peratus daripada pendapatan dia. Katakan gaji dia RM3,000, maka automatik dia akan simpan RM300 setiap bulan.

Macam saya pula, awal-awal kerja dulu gaji sikit dan banyak komitmen lain termasuk bayar pinjaman belajar dulu. Maka saya potong siap-siap RM50 untuk masuk ke Tabung Haji. Sengaja saya potong kecil, supaya duit tu tak terasa sangat. Kiranya, simpan teruslah, tidak mahu usik. Bila dah tahun ke-2 atau ke-3 barulah saya naikkan sedikit ke RM100 setiap bulan dan seterusnya.

6) Kumpul dan beli

Ini satu lagi teknik kawalan diri yang saya guna. iaitu kumpul dulu baru beli. Katalah saya teringin hendak beli kamera DSLR. Jadi saya tinjau dahulu berapa harga dia, dan akan cuba bandingkan dengan baki duit yang saya ada pada setiap bulan.

Katalah, perlu ambik masa sampai enam bulan kumpul duit, maka saya akan betulkan sasaran simpanan. Sebab saya langsung tidak ada pendapatan sampingan masa itu, maka duit simpanan boleh ditambah melalui pengurangan duit belanja bulan-bulan.

Prinsip saya, seboleh mungkin saya cuba elak berhutang yang tidak mampu bayar. Sebab saya rasa seperti tidak ada keberkatan dalam kita berhutang. Nanti akan rasa macam tidak habis-habis bayar hutang itu. Memang menjerat kita balik nanti.

7) Beli kereta?

Ukur baju di badan sendiri orang kata. Maka jika anda terpaksa beli kenderaan masa awal-awal kerja, buatlah pilihan lebih tepat. Beli dulu kereta dalam lingkungan mampu milik, sekitar RM40,000 hingga RM50,000. Tidak perlu nampak hebat bergaya, lepas itu anda yang sakit perut hendak menghadap hutang bulanan. Padahal guna kereta, seminggu sekali saja.

Bukan setakat itu, bila beli kereta kita kena fikir juga duit untuk minyak, tol, parking, cukai jalan dan insurans serta kos rosak dan baiki. Semua ini kena ambil kira jugak tahu!

9 tip urus kewangan bagi cikgu muda yang baru posting
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Ada juga yang bagi tip mudah, hendak tengok kereta mana yang sesuai dengan tahap pendapatan kita. Mudah saja. Kalau gaji RM3,000, maka darabkan dengan 12 bulan dapatlah RM36,000. Jadi itulah harga kereta yang sepadan dengan gaji anda.

Buat yang tidak rasa terdesak sangat hendak beli kereta, jadi tak payah beli kereta lagi ok. Beli untuk keperluan, sebab anda boleh guna simpanan itu untuk kegunaan benda yang baik.

8) Lebih baru belanja

Satu lagi tip yang biasa saya amalkan adalah ada duit lebih selepas disimpan, barulah kita belanja. Bukannya tunggu lebih belanja baru kita nak simpan. Maknanya, lepas kita sudah tolak semua perbelanjaan bulanan yang wajib maka baki yang tinggal itu barulah untuk keperluan kita.

9 tip urus kewangan bagi cikgu muda yang baru posting
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9) Pendapatan sampingan

Tip akhir ini adalah jika anda hendak stabilkan sedikit kewangan anda. Saya tidak galakkan jika mengganggu tugas hakiki sebagai guru. Pendapatan sampingan ini buatlah ikut tujuan kenapa anda hendak kumpulkan simpanan. Motif orang tidak sama.

Seperti saya sendiri, saya dapatkan pendapatan sampingan melalui menulis blog pendidikan pada tahun kelima saya bekerja. Tidaklah kaya raya, tetapi cukup untuk menampung keperluan saya langgan internet setiap bulan. Jadi oklah kan.

Ada kawan yang gigih mengajar tuisyen dan juga menjadi tutor peribadi. Terutamanya mereka yang dapat mengajar di kawasan bandar yang lebih berkemampuan.

Ada yang jual dalam talian dan macam-macam lagi. Apa pun anda buat, tetap saya ingatkan, bahawa janganlah sehingga mengganggu tugas hakiki kita sebagai guru dan kedua, janganlah sesekali kita terjerat dengan MLM atau Skim Cepat Kaya.

Demikianlah sedikit perkongsian kepada adik-adik yang baru menjadi guru. Uruskanlah kewangan anda dengan baik.

Kena ingat, keperluan duit dan komitmen kewangan setiap orang tidak sama. Mudahan kita menjadi orang yang beringat masa susah dan senang.

Sumber: Blog Cikgu Hailmi

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