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Pengurusan Kewangan Untuk Fresh Graduate Berdasarkan Pengalaman Sebenar

Just recently, there is one subordinate of mine came to me to seek advice on her financial matter.  She has been working for 3 years now, with 1 year at private sector. She did complaint that her salary is lesser in public sector but she still can manage it for the time being.  

While I don’t think I’m good enough for advising her on financial management, we came to a small discussion on what her plan and objectives. Following that, I advised her based on my experience and knowledge on how that can be achieved. I learned that she wanted to be able to survived after her soon marriage and at least some liquid assets just right for her to use during critical times.  

Here is my current ‘blueprint’ for any fresh graduate for financial management thing (of course by exploiting their earning with payslip to the highest possible) πŸ™‚


1. She/He need to have at least a total of RM3,000 income either from fulltime salary or part time.  

Currently she is salaried at RM2,200 and I did suggest some part time job that she can do such as tuition teacher, cake and brownies business, dropshipping, affiliates and a few more. In total, if she is consistent, she can happily achieved RM3,000 in next few months.

2. She/He has been working for more than three month.

This is important as my techniques are specially designed for fully utilizing the loan capability and the eligibility of those.

3. Savings. She should have adequate saving in her account, although not much, consistency will paid off. Saving should be made into investment body such as ASB and Tabung Haji.

Here is the step-by-step of what I suggested:

Step 1. Buy Health/Life Insurance – RM150/month

Health/Life insurance is important as much as planning the unexpected. Getting a life insurance will secure your financial amount on health and being yourself as you have the advantage of receiving a value that we called money. I’m not going to go deeper into this. A minimum amount suggested is RM150 per month.  

Step 2. Rent a whole house without furnish

If your singleship status will end soon, I suggest you start looking for a home that is unfurnished rather than a shared-room. The idea is that:

a. unfurnished house is cheaper than fully furnished, let say RM800

b. find your own housemates and charge them per shared-room let say RM700; so you only pay RM100 for the rental

c. gradually complete your house furnished with remaining money, which you can use these furniture during your early marriage-life  

Step 3. Saving

Keep a saving as minimum as RM200/month. Don’t skip.  

Step 4. Buy the properties  

Finding a house is far more different than going to shopping mall and grabs something that you like on your first sight. You need to do multiple visits, do the evaluation, prediction, and lastly decide on which house is closely suitable to meet your objective.  

I suggest that you follow these steps on using loan facilities in buying the houses:

a) First House – use bank loan  

b) Second House – use bank loan

c) Third House – if you are gov servant, use the government loan for the third  

You can opt for new development, subsale, and even auction if you have some cash in hand. My experience in these three type, subsale has given more advantage than those two.  With subsale, you can negotiate the price and also ensure that the house conditions are good for you before buying it. Furthermore, you can buy it below market price and with additional agreement, you can probably get a full loan. Auction and new development requires you to have a lot of cash as the capital.  You probably eligible for less than RM2,000/month for monthly commitment  at this stage. So you might want to look for properties (max: 2) that total up until RM350,000  

Step 5. Buy a car / something else that you need 

At this point, if you need a car, you can buy it based on your remaining Debt Service Ratio (DSR). You can buy other this as well. 

Step 6. Investing

Some might say that investing in ASB will give you max dividend with above 7% per annum. That is a good start. If you have any plan on investing on ASB, I would suggest that you do some homework on the trick of ASB loan, which somehow will give you 20%-30% in ROI. But careful, it might affect you DSR as well.  

Some also might say, it is best to invest in gold. I would say go for that as well. Whatever suit you. Those investments have its own upside down, which is normal.  

Oh how about unit trust?  

Frankly speaking, I’m not familiar with unit trust nor have any experience investing on that. The agent might say the ROI is 15%, but some might not get lucky enough and loose some amount. As he name suggest it os investing.

 Just keep in mind, whatever you plan to invest, do study the worse case scenario and consider what you might loose. For example, on ASB Loan, you might get free money but your commitment probably locked up to 5 years. 

Well I think that was it. 

Step 7. Register SSM

Register an SSM and start a small business at early age. I bet you would appreciate this point if you know what you can do with them. There are a lot of financial facilities that is available for small business and startup nowadays. Why not grab one for yourself.

Everything that is mentioned are based on my experience. You probably have different one, better than mine. Feel free to share anything in the comment form. πŸ˜‰  

Last but not least, after 5 years, imagine how much can she gain?

1. Protected by life insurance

2. Have a nice house fully equipped with household and furnitures

3. Have some saving even if she used everything for her wedding, she has been trained to do contonuos saving.

4. Have a lot of cash in hand as the property were tremendously appreciate after 5 years with 0% RPGT. She might either: a) sell the house b) refinance to current value 

5. Have a car and anything else

6. Have some liquid asset. 

7. Probably has started a steady business that give her steady income πŸ˜‰

 SpSekian sahaja kali ini. Semoga bermanfaat. InsyaAllah. Aminnn.

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2016 conclusion

Assalamualaikum wbt and May God Bless You.

Although it is not end of the year yet, I can draw some initial conclusions for this 2016.

As in my initial prediction earlier this year, there are a few things of uncertainty foreseen through out the year. So far, so good, well at least I survived until today, Alhamdulillah.

Here are a quick summary of uncertainty that happened throughout the year:


  • ascending as planned
  • expertise recognition from international body
  • hiccup here, hiccup there, solved here, solved there.
  • certified in a few fields


  • Cant really decide when to move, so no new place for the kid
  • New family members expected soon as this post been made
  • So far, so good


  • Change in staff. It give me spooky thinking earlier when my assistant has been offered to work based his Degree field. I do wish the best for him. Interestingly, I got new staff replacement with some extra benefit of expertise and experienced – ex-Petronas Executive. So technically, I am hiring a ‘manager’ then. :p
  • The main business so far, Alhamdulillah, went well. I hope LHD end does not reading this. We (me and my team) worked out and reach more than 20k/month sale for three consecutive months. I love you guys. πŸ™‚
  • After doing market validation, we do expand to other business that’s similar. Got funded by 10 investors just by pitching in Whatsapp for 15 minutes. It is unexpected, but so far it went very well. Shareholder telling interest to invest more. Clients are more than happy and a few of them even send out email for long term co-operation. Alhamdulillah.


  • A good friend expected to leave the company, and luckily she does not. It give me the chill anyway.
  • Something happen for a good reason. I loved it, hated it, and loved it. For one month, I have been given spesific test by Him, and I’m sure I remember the take home message, InsyaAllah.
  • A few more which I couldnt recall at this 2 am πŸ˜‰


May Allah Bless Me and You. InsyaAllah. πŸ™‚

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Assalamualaikum wbt 2016, may you be good to me.

Jika dahulu saya katakan 2015 suasananya panas, dan 2014 suasananya sejuk, tahun 2016 pula adalah peralihan.

Come to think of it, actually the way I sense it, is almost related to the earth temperature itself. In 2014, there were floods, a big ones and multiple waves following after another and there were also cold phenomenon during those time.

In 2015, I feel it will become really hot, and it eventually it does. Although I did feel it started before the haze started from neighboring country, it continues through out the year and it comes to the end with no major flood reported at east coast of Peninsular Malaysia that was supposed to happen every year. So true, isn’t it?

in 2016, I perceive, there are a few things that might be change (in temperature and) to my life progress which I didn’t really know what is it (it give me scary feeling), but I choose to wait and see really carefully.

So, may everything goes smoothly this year and InsyaAllah things will be better.

Just now, one of my best friend ask me to list down what are the targets as what he does here:



For me, the major changes this year probably moving from Putrajaya to my new house that cut almost half of my salary every month as for now. :p So, I should be ready to adapt and will initiate some plans to reduce the ‘casualty’ (omg) mentally and financially when the change take place.

Ya Allah, permudahkanlah. InsyaAllah.

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His journey about to begin, signing my journey are in Amdal Law.


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Tahun 2014, saya rasa Tahun Sejuk. Semua benda macam sejuk. Walaupun ada ketikanya musim panas melanda negara. Tetap rasa 2014 sejuk.

Mungkin dengan MH-MHnya, mungkin juga faktor 2014 ialah fasa implant, yakni menanam sesuatu. Misalnya azam baru, pengukuhan dan pembinaan bisnes, merangkak-rangkak ke atas dalam cubaan untuk berdiri.

Tahun 2015 pula, rasa macam tahun matahari. Macam akan panas sikit. Semua yang terbina tahun 2014 akan dimaintain pada tahun ini, bukan untuk dikembangkan, tapi untuk belajar maintainkan. It is hard to explain, but you’ll know it.

InsyaAllah semoga semua berjalan dengan lancar.

Ya Allah, permudahkanlah. πŸ˜‰ Aminn.


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Sikit-sikit lama-lama jadi bukit

1. Bukit yang dimaksudkan secara tradisionalnya ialah wang ringgit dan keseluruhan peribahasa memaksudkan perbuatan menyimpan untuk masa depan.

2. Untuk orang yang liat (macam saya ni lah), adalah sukar untuk menyimpan secara konsisten. Kadang-kadang ada, kadang-kadang tiada. Kalau RM1 sehari, hujung tahun dah dapat RM365.

3. Kalau RM10 sehari, hujung tahun dah RM3,650. Tengok memang macam best, tapi nak menyimpan RM10 tu takde lah.

4. Jadi, saya terimbas satu cara awal tahun ini dimana satu teknik menyimpan secara mingguan. Setiap minggu pula secara kumulatif ia bertambah.


5. Contohnya begini: Dalam setahun ada 52 minggu. Setiap minggu kita perlu menyimpan RM1 secara kumulatif. Kumulatif dalam kes ini ialah nilai tersebut ditambahkan dari nilai sebelum. Example:
Minggu 1: RM1
Minggu 2: RM2
Minggu 3: RM3
Minggu 52: RM52

Jadi total semua di atas ialah: 1 + 2 + 3 + . . . + 52 = 1000.

6. Jadi dengan menggunakan teknik ini kita tidak akan rasa terbeban secara psikologinya.

7. Amatlah disarankan anda menulis jadual pembayaran dan ditampal di luar tabung supaya anda boleh topup yang mana lompang atau jika ada duit lebih, anda boleh masukkan duit tersebut in advanced.

8. Gambar di atas menggambarkan apa yang saya cakap mengenai tabung tadi, dan dalam kes ini 1. Saya telah menggandakan daripada RM1 seminggu kepada RM3 seminggu. 2. Saya terbalikkan nilai dengan bermula dari yang tinggi ke rendah setiap minggu.

9. Alhamdulillah saya telah berjaya mengumpul sedikit wang yang mana boleh la untuk makan. Perhatikan week 20 baru RM2000++.

10. Sekian sahaja panduan dari saya. Anda bila lagi?



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Pengurusan Kewangan Untuk Fresh Graduate Berdasarkan Pengalaman Sebenar

Just recently, there is one subordinate of mine came to me to seek advice on her...
article post

2016 conclusion

Assalamualaikum wbt and May God Bless You. Although it is not end of the year yet, I can...
article post


Assalamualaikum wbt 2016, may you be good to me. Jika dahulu saya katakan 2015 suasananya...
article post


His journey about to begin, signing my journey are in Amdal Law....
article post


Tahun 2014, saya rasa Tahun Sejuk. Semua benda macam sejuk. Walaupun ada ketikanya musim...
article post

Sikit-sikit lama-lama jadi bukit

1. Bukit yang dimaksudkan secara tradisionalnya ialah wang ringgit dan keseluruhan...
article post