25 Cara Bazirkan Duit

1. Suka timbun hutang baki dalam kad kredit.. Saje jer tak nak bayar baki sampai abes. Stakat RM100 tu bulan depan dapat gaji leh bayar. Takpon tahun depan. Tapi cuba kira cajnya kalo hang tinggal baki dalam tu RM1000, 18% caj.. Terbang RM180 camtu jer.. Takper..korang kaya kan. Sebab tu ada kad kredit kan?

2. Ada beza ker pakai minyak kete premium ngan RON95? Hmm.. caya la cakap pengeluar minyak..Huhuu..Jangan bazir duit duk isi minyak mahal kalo hang sendiri tak pernah nak check tayar angin cukup ke tak.. Hantar mentenen pon lewat dari tarikh sepatutnya.. Baper banyak tu terbang duit??

3. Bazir duit untuk beli mende tak de pekdah..tau ape? Rokok la... Harga rokok da naek RM10 pon masih ada yang beli.. Cuba kumpul RM10 sehari.. darab 30 hari..da dapat RM300. Darab ngan 12 bulan,jadi RM3,600. Dah leh beli keta sorong dah tu!


4. Guna Handphone yang tak la seswai ngan kegunaan korang.. Kan skarang banyak ajer pelan tak kira la Maxis, Celcom.. Digi Smartplan (btol ke bijak?).. So beli ikut apa yg korang nak.. Adakah korang ni banya bermesej berbanding call? Maka guna pelan SMS ataupun Vice Versa k?

5. Beli barang branded... Hmm.. Bab ni TK setuju untuk beli.. Maklumlah barang branded lebih puas hati pakai....

6. Kata orang tua "malu bertanya sesat jalan...". Macam tu la jugak ngan tabiat tawar menawar. Malu nak bargain jawabnya hang membazirkan duit yang sepatutnya hang leh jimat ngan mintak simpati...muahahhaa. TK berjaya jimat RM6 hinggit minggu lepas sbb duk sembang ngan penjual beras.. 5KG harga RM17... duk tanya punya tanya, TK dapat beras harga promosi RM23.50 untuk beras 10kg.. (bangga nih...kali pertama jadi pengguna bijak)

7. Beli air botol... Ada orang yg jenis suka beli air sebotol, demi sebotol dari mesin air 'gedegang'.. Kan bazir tu. RM2.90 sebotol. Dahla beli tiap2 hari. Kalo hang beli sebundle tros, leh jer minum tiap2 hari. Bawak sebotol sehari. Jimat!

8. Bayar untuk sesuatu yang korang leh dapat free. Banyak sangat contohnya. Paling senang, korang nak baca majalah, takyah susah2 beli. Korang simpan bawah katil gak kan? Apa kata korang gi kat kedai POPULAR and spend setengah hari untuk baca magazine kat ctu. Free!Lagi, korang nak gi taman berbayar tu watpe? Korang gi la cari taman yang free of charge nak masuk.. Parking pon takyah bayor. Jgn duk bagi kaya deorang lak... Korang sendiri papa kedana nanti...


9. Korang agak dis organized. Suker bayar bil lambat..ngan alasan, lupa. TK pon slalu gak buat camtu. Contohnya korang lupa bayar bil telefon. Dah dua bulan due, konpem kena bar line korang. So korang pi la bayar bil tertunggak. Dah kena caj RM10 untuk de-barring line kan? Sesia jer bagi RM10 untuk syarikat telekomunikasi tersebut...


12. Paying late fees and missing deadlines. Return those library books and movie rentals on time. Mail in those rebates. Submit expense reports on time for reimbursement. And if you make a bad purchase, don't just stuff it in the back of the closet and hope it goes away. Get off your duff, return it and get your money back before you lose the receipt.

13. Paying ATM fees. Expect to throw away nearly $4 every time you use an ATM that isn't in your bank's network. That's because you'll pay an ATM surcharge, and your own bank will hit you with a non-network fee. Consider switching to a bank, such as Ally Bank, that doesn't charge ATM fees and reimburses you for fees other banks charge. Another way to avoid fees if there's not an ATM in your bank's network nearby is to get cash back when you make a purchase at the grocery store or drugstore.

14. Shopping at the grocery store without a calculator. Check how much an item costs per ounce, pound or other unit of measurement. When you comparison-shop by unit price, you save. For example, if a pack of 40 diapers costs $13, that's 33 cents per diaper. But if you buy a box of 144 diapers for $35, that's 24 cents per diaper. You save 27%! (Of course, buying more of something only saves money if you use it all. If you end up throwing much out, you wasted money.)

15. Paying for things you don't use. Do you watch all those cable channels? Do you need those extra features on your phone? Are you getting your money's worth out of your gym membership? Are you taking full advantage of your Netflix, TiVo and magazine subscriptions? Take a look at what your family actually uses, then trim accordingly.

16. Not reading the fine print. Thought you were being smart by transferring the balance on a high-rate credit card to a low-rate one? Did you read the fine print, though? Some credit-card companies now charge up to 5% for balance transfers. Also watch out for free checking accounts that aren't so free. Some banks are starting to charge fees unless you meet certain criteria.

17. Mismanaging your flexible spending account. For some people, that means failing to take advantage of their workplace FSA, which lets employees set aside pre-tax dollars for out-of-pocket medical costs. Other people fail to submit receipts on time. And the average worker leaves $86 behind in his or her use-it-or-lose-it FSA account each year, according to WageWorks, an employee benefits provider.

18. Being an inflexible traveler. You'll save a lot of money on travel if you're willing to be flexible. Consider traveling before or after peak season when prices are lower. Or search for flights over a range of dates to find the lowest fare. Booking at the last minute also can save you money because hotels and airlines slash prices to fill rooms and planes. And flexibility pays off at blind-booking sites, such as Priceline or Hotwire, which offer deep discounts if you're willing to book a room or flight without knowing which hotel or airline (or other details about the flight) you're getting until you pay.

19. Sticking with the same service plans and the same service providers year after year. Hey, we're all for loyalty to trusted service providers, such as your bank, insurer, credit-card company, mutual fund, phone plan or cable plan. But over time, as prices and your circumstances change, the status-quo may not be the best deal any more. Smart consumers are always on the lookout for bargains.

20. Making impulse purchases. When you buy before you think, you don't give yourself time to shop around for the best price. Take the time to compare prices online, read product reviews and look for coupons when appropriate.
Make it a policy to give yourself a cooling-off period in case you're ever tempted to make an impulse purchase. Go home and sleep on the decision. More often than not, you'll decide you don't need the item after all.

21. Dining out frequently. Spending $10, $20, $30 per person for dinner can be a huge drain on your wallet. Throw in a $6 sandwich for lunch every day and you've got quite a leak. Learning to cook and bringing your lunch from home can save a couple hundred bucks each month. When you do go out, consider getting carry-out instead of dining in (you'll save on the tip and drink), skip the overpriced appetizer and dessert, and search the Web for coupons ahead of time.

22. Trying to time the stock market. In trying to buy low and sell high, many people actually do the opposite. Instead, employ the simple strategy of "dollar-cost-averaging." By investing a fixed dollar amount at regular intervals, you smooth out the ups and downs of the market over time. If you take out the emotion and guesswork, investing can become less stressful, less wasteful and more successful.

23. Buying insurance you don't need. You only need life insurance if someone is financially dependent upon you, such as a child. That means most singles, seniors or kids don't need a policy. Other policies you can probably do without include credit-card insurance (better to use the premium to pay down your debt in the first place), rental-car insurance (most auto policies and credit cards carry some coverage), mortgage life insurance and accidental-death insurance (a regular term-life insurance policy will do the trick).

24. Buying new instead of used. Talk about a spending leak -- or, rather, a gush. Cars lose 20% of their value the moment they're driven off the lot and 65% in the first five years. Used models can be a real value because you can get a car that's still in fine working order for a fraction of the new-car price. And you'll pay less in collision insurance and taxes, too.
Cars aren't the only things worth buying used. Consider the savings on pre-owned books, toys, exercise equipment, children's clothing and furniture. (Of course, there are some things you're better off buying new, including mattresses, laptops, linens, shoes and safety equipment, such as car seats and bike helmets.)

25. Procrastinating. Time is an asset money can't buy. Start investing for retirement as soon as possible. For instance, if a 40-year-old saves $300 a month with an 8% return per year, he'll have $287,000 by age 65. If he had started saving 15 years earlier at age 25, he'd have more than $1 million.

Adapted from: http://finance.yahoo.com/banking-budgeting/article/112202/25-ways-to-waste-your-money
Pada para pembaca yang tak berapa nak paham..nanti TK akan translatekan yek!12