Ali Adli

Have a break; don’t judge people for the choices they make when we don’t know what options they had 😎

Wazzup Shah Alam Peace Yo!

Hari terakhir di Shah Alam, orang Shah Alam memang sempoi!

The 60/20/10/10 Financial Management Formula is a simple guideline that helps individuals or households manage their finances effectively.

1. 60% for Essential Expenses :

Allocate 60% of your income to cover essential expenses such as housing, utilities, groceries, transportation, and other necessary bills. These are the basic costs that you need to maintain your lifestyle and well-being.

2. 20% for Financial Goals:

Dedicate 20% of your income towards achieving your financial goals. This category includes saving for emergencies, building an emergency fund, contributing to retirement accounts, and investing for long-term wealth growth.

3. 10% for Fun and Discretionary Spending:

Set aside 10% of your income for discretionary spending and enjoyable activities. This can be used for entertainment, dining out, hobbies, vacations, or any non-essential expenses that bring you joy and fulfillment.

4. 10% for Debt Repayment:

Allocate 10% of your income to pay off debts, such as credit card balances, student loans, or personal loans. Reducing debt is crucial to achieving financial freedom and improving your overall financial health.

Or

In the Financial Management Formula, allocating 10% of your income for protection is a vital component of securing your financial well-being and that of your loved ones.

This 10% portion should be directed towards various insurance policies, such as life insurance, health insurance, disability insurance, and property insurance.

These policies act as a safety net, shielding you from unexpected events and providing financial support during challenging times.

By dedicating 10% of your income to protection, you gain peace of mind, knowing that you have a robust shield against potential risks and uncertainties, safeguarding your financial stability and future aspirations.

Remember, the 60/20/10/10 formula is a guideline, and you can adjust it to suit your individual circumstances and financial goals. The key is to prioritize essential expenses, savings, and debt repayment while leaving room for some discretionary spending to maintain a balanced and sustainable financial lifestyle.

Sekian dari saya,

S44 s**a share ilmu ❤️

Selamat tahun baru

Semoga hajat tahun 2023/24 yang kita semua usahakan terlaksana atas keberkatan yang dikurniakan oleh Nya

InshaAllah

SAA in action 📸

Best ke best kelebihan Takaful ni?

Of coz

Diversify sikit portion saving kita and dapat semua manfaat di atas!

Siapa yang rugi? Yang tak mencarum lah rugi 👋

Life Insurance is easy but not EVERYONE understand it.

Learn it now!

Salam GR8 S44 back on board!

This time with new company hopefully sampai retired 👍🏻

Currently attending my GPS to complete my mandatory training with Great Eastern.

Free agent season is over! Player sudah jumpa platform, let’s go 2023!

Bismillah, semoga Q3 and Q4 much better dari tahun tahun yang lalu.

Big thanks to all my old coach and colleagues yang bantu saya membesar di dalam industri ini.

Di doakan agar kita semua dipermudahkan urusan di dunia dan akhirat.

Salam maghrib ya habibi 🌅

Salam Hello 👋

Day 1 - raya ipoh mali, selamat gari raya semua

Menung j*p rehat dulu la,
fikir-fikirkan masa depan kan,
Kuatkan iman dan penganggan,
Hidup ini banyak cabaran.

Kenal watak, kenal hati,
Nak melihat kena pakai mata hati,

Nak maju cari anjing liar, nampak susah diajar tapi tetap setia.

Ular kan berbisa, udang kan berselindung. Katak p**a di bawah tempurung. Sembunyinya di bawah tapi melolong.

Ku rela dibenci cewah 😂

Live update, kalau sudi katakan sudi tidak ku ternanti-nanti ❤️