Thursday, January 6, 2011

Savings from My Ten Working Years

By Dec 2010, I have been working for 10 years. I did some rough calculations. From the total income of the 10 working years, I have with me about 75% of the total income. I have spent away the other 25%. Throughout the 10 years, for the first 5 years, I didn’t manage to save much. Most of the 75% come from the last 5 year (2006-2010). I would say, I can do better if I know how to manage my finance well from my first pay cheque.

Ten years is not a short period of time, but it can pass very fast. Looking ahead, with God blessing, I still have about 20 more golden years to build my wealth. I wish to generate more for the next 5 years. I wish the return from my investment can cover the shortage in my first 5 working years. 

How about you? Perhaps can do some simple calculations and share with me your result.

And I am wishing everyone a wonderful, prosperous and blessed new year ahead. Happy New Year 2011!


  1. salam perkenalan.

    wahhh 75%??? hebatnya!

    dah 6 tahun kerja.. kira2 savings cash ada dalam 30 percent je. maybe sebab banyak project2 lain (beli apartments, gold and masuk unit trust) dan juga banyak enjoy (shopping dan trabeling).

    Harap2 boleh accumlate more dalam 5 years akan datang!

  2. Hi Juri, salam perkenalan :) rasanya Juri lagi hebat. muda-muda sudah ada banyak projek. rasanya tidak ramai yang mula awal seperti Juri.

    i am sure you can accumulate more. time is the best friend of investment. the younger you start, the more you'll accumulate.

    Thanks for dropping by :)

  3. You only spend so little of your money or is it also inclusive or your Return From Investment?

    Respect you can safe so much for your savings which is 75%!! ^^

  4. Hi Kampunginvestor, yes, inclusive my return from investment. so, 75% is not really a lot. still scratching my head to increase the %. Time flies....

  5. @Yan : Come on Yan.. Not many can safe as much as you are man.. 75% is massive you know... =.=!!

    I don't save at all but i invest all! wakaka

  6. property/land investment is the best i reckon. as the building blocks is within my reach and if it's not sold or rented, i break it into pieces lol..but well considering locational factor wont bring u regret infact smiling all the year round :) :) :)

  7. Hi Joko, well... from my reading and some observation, YES, property is the best. Still learning on property investment. Thanks for dropping by :)