Hijjaz

Personal finance enthusiast

[Hijjaz @MYwealthseeker]

Hi guys, I am 24 years old (2020) and planned to achieve financial independence and intend to share my journey for it on this account.

So with the anonymity, I can be transparent on the exact figures for my income, expenses and net worth.

I am open to ideas or suggestion too

[Hijjaz @MYwealthseeker]

Last RHB Shell CC cashback betore it got nerfed

[🇲🇾 Kewangan Graduan @kewangangraduan]

RHB Shell Visa Credit Card-i

Tak menarik dah lepas ni.

[Hijjaz @MYwealthseeker]

Hotlink prepaid are the most dangerous plan. They'll learn your passes purchase behaviour lepastu offer only cheap and extravagant quota plan dekat those yg jarang beli monthly pass.

[OH! MEDIA @ohtweet]

Ada lagi tak Telko lain yang boleh offer unlimited call, unlimited data (uncapped speed sampai 900GB), dan unlimited hotspot pada harga RM45 sebulan macam yang Hotlink buat ni ye?

[Hijjaz @MYwealthseeker]

Kalau selesa dengan current environment while nak learn more in your current company, cuba tanya current employer if they are okay to counter the offer ke tak.

[🔺meingl🔻 @meinmokhtar]

Ambik. 50 minit tu tak jauh/lama mana pun zaman sekarang.

[Hijjaz @MYwealthseeker]

Kalau nak maximize withdrawal KWSP (Acc 3) boleh la tunggu bulan 8 nanti bila caruman May, June, July dah masuk dalam Acc 2. By right, you'll get extra 1 month of caruman allocated to Acc 2 into Acc 3.

[sun jae yaaaaa @alyaaoreo]

@surayaror @MYwealthseeker Don't forget to buy travel insurance the same time you get a flight ticket, so that if ada flight cancellation, you can try claiming from the insurance company too. Go for Etiqa, word on the street is their claims ratio is good.

[Hijjaz @MYwealthseeker]

@surayaror Nak tanya.. Usually, how do you manage the hotel booking etc for travelling oversea ? Since I believe you already got everything planned out. Kalau flight cancelled terus cancel booking ? Or tunggu tarikh dah dekat baru book hotel ?

[Saidah Asilah CFP® @Saida_CFPCertTm]

Saya akan kongsi pengalaman suka duka di dalam kerjaya seorang Perancang Kewangan Berlesen (jemputan). Sabtu ini.

a.k.a Licensed Financial Planner. Those who want to know how a Licensed Financial Planner earned the income, the challenges, and the sweetness in this growing career. Do join, so we can have Q & A session.

#investmentplanning #holisticfinancialplanning #financialplanning #financialplanner
Link :
https://t.co/K4kjADhRQ9

[Hijjaz @MYwealthseeker]

@wiltedflower73 @poch3x01 Anyway, good luck you !

[Hijjaz @MYwealthseeker]

@wiltedflower73 @poch3x01 Gather achievement and experience for 1-2 years, terus jump to other company bro. I started with 3k salary juga awal2 tak percaya dengan statistics from the salary guide.

Make sure jot down each and every piece of software/tools you used. Nanti during iv boleh sembang sikit.

[Iwanqais @iwanqais]

Betapa struggle semua orang buat side income demi meneruskan kehidupan. Aku doakan kita semua kuat, sihat dan dimurahkan rezeki selalu.

[Hijjaz @MYwealthseeker]

@encik_eric Hahaha sebab RM5685 tu memang exact gross amount received.. mmg saja tak nak round off dalam post tu..

[Hijjaz @MYwealthseeker]

Kalau swasta, by age 40 dah 15+ years of exp and considered senior manager/head of department kot.

Maybe 15k-20k ?

[Hijjaz @MYwealthseeker]

@TheFuturizts I think for muslim yang dah cukup syarat untuk bayar zakat simpanan, might as well simpan dalam Tabung Haji. No need to fikir pasal zakat dah.

I plugged in different amount, and if TH consistently give 3.1%, we need to earn min 5.75% (before zakat) to beat TH.

[Hijjaz @MYwealthseeker]

Detailed breakdown of my next month budget.

[Hijjaz @MYwealthseeker]

My salary progression so far

Mar 2019 - RM3k (Company A)
Apr 2020 - RM3.3k (Company A)
Feb 2021 - RM4.1k (Company B)
Jan 2022 - RM4.7 (Company B)
Apr 2022 - RM5.1k (Company B)
Apr 2023 - RM5,685 (Company B)
Oct 2023 - RM7.9k (Company B)

Aiming to achieve atleast RM9.5k by 2027

[Hijjaz @MYwealthseeker]

Some of the extra expenses I need to cover after I got married :

- Rent (RM1.2k)
- Groceries (RM950)
- Electricity bills (RM120)
- Water bills (RM60)
- Fibre Internet (RM100)
- Wife pocket money (RM200)

Total of : RM2,630

[Hijjaz @MYwealthseeker]

@twtsecretsmy Just found the website : https://t.co/OS7mubsTG8

[Hijjaz @MYwealthseeker]

@twtsecretsmy You can also try to search "Rumah Kita" on google. If I remember correctly, they help pregnant and underaged teens.