A simple 2-step plan for saving more money | Your Money and Your Mind

Transcriber:

Everyone's heard of the tired old adage

Translator: Aznah Binti Arshad Reviewer: Nurul Hanim Abd Karim

Semua orang pernah dengar pepatah

of paying yourself first.

bayar diri sendiri dahulu.

But that saying lacks a lot of useful details.

Namun pepatah itu, kekurangan maklumat yang membantu.

How do you actually pay yourself first?

Bagaimana nak bayar diri sendiri dahulu?

So today, I'll lead you through some changes you can make

Hari ini, saya kongsi beberapa perubahan yang boleh dilakukan

to improve your saving strategy.

untuk menambah baik strategi menyimpan.

[Your Money and Your Mind with Wendy De La Rosa]

[Wang dan Minda Anda bersama Wendy De La Rosa]

First and foremost, you should focus on only one goal at a time.

Pertama sekali, fokus satu matlamat pada satu-satu masa.

Typically, we think about having multiple savings goals

Selalunya, kita ada pelbagai sasaran simpanan

for multiple things.

untuk pelbagai perkara.

We have an emergency savings fund,

Kita ada dana simpanan kecemasan,

a vacation fund, a wedding fund,

dana percutian, dana perkahwinan,

a car fund ...

dana kereta…

But one great study compared people's savings progress

Satu kajian membandingkan, kadar simpanan seseorang

when they had one savings goal compared to five savings goals.

ketika ada satu matlamat simpanan berbanding lima matlamat.

And it turns out that when participants had just one savings goal,

Rupanya, jika mereka ada satu matlamat simpanan,

they saved more than when they had five.

mereka simpan lebih banyak berbanding lima matlamat.

The research showed that if you made progress

Kajian menunjukkan jika anda ada perkembangan

in just one of your savings accounts,

pada satu sahaja akaun simpanan,

you'd think you've made progress across all of them.

anda fikir anda ada perkembangan dalam kesemuanya.

Like multitasking at work,

Seperti lakukan pelbagai kerja,

splitting your attention across multiple savings goals

mengagihkan perhatian kepada pelbagai matlamat simpanan

just isn't efficient.

memang tidak efisien.

Now, that's not to say

Itu bukanlah bermakna,

that this will be your only savings goal;

ia akan jadi satu-satunya matlamat simpanan anda;

you'll have many more throughout your life.

akan ada banyak lagi sepanjang hidup anda.

But I want you to think about the one thing that you want to focus on

Namun saya mahu anda fikir satu yang anda mahu fokus

over the next six months to a year.

dalam tempoh enam bulan sehingga setahun.

Start with your emergency savings fund,

Mulakan dengan dana kecemasan,

even if it’s 500 dollars or 600 dollars, the average cost of a car repair,

walaupun sekadar 500 dolar atau 600 dolar, purata kos baiki kereta,

and then go from there.

kemudian perbaiki dari situ.

Now that you have a primary savings goal in mind,

Sekarang anda ada matlamat simpanan utama,

let's focus on helping you increase the amount that you save.

ayuh fokus membantu meningkatkan jumlah simpanan.

Your main savings strategy should be

Strategi simpanan utama sepatutnya

to switch from having to remember to save a small amount every month

untuk tukar dari perlu ingat menyimpan jumlah yang kecil setiap bulan

to saving a percentage of your income automatically,

kepada menyimpan sebahagian peratusan secara automatik,

any time you receive income.

setiap kali menerima pendapatan.

Now, some people advise saving 10, 15 or 20 percent of your income,

Ada nasihat menyimpan, 10, 15 atau 20 peratus pendapatan,

but that's not important.

itu bukan keutamaannya.

You know your financial situation.

Anda tahu keadaan kewangan anda.

You know how much you can manage to save.

Anda tahu jumlah yang boleh disimpan.

The real trick is to find a provider

Solusinya adalah untuk cari penyedia

that lets you set up an automatic savings plan

yang bolehkan anda buat pelan simpanan automatik

and not to have to think about it ever again.

dan tak perlu fikirkan lagi.

The "set it and forget it" approach

Kaedah “letak dan lupa”

is shown to help you save more.

boleh bantu simpan lebih banyak.

Researchers believe that passive systems like this are successful,

Penyelidik percaya sistem pasif ini berhasil,

because they work with our tendency towards inertia.

kerana ia buat kita cenderung tidak melakukan apa-apa.

You don't have to manually initiate each subsequent transfer,

Anda tak perlu lakukan secara manual setiap kali pindahkan wang,

and you won't be tempted to hold back a bit

dan anda tak tergoda untuk menahan dari menyimpan

every time you make a savings transfer.

setiap kali buat pindahan simpanan.

I want you to take the time right now to find a provider.

Saya mahu anda ambil masa sekarang, cari penyedia.

Go to your app store, download the app

Pergi ke stor aplikasi, muat turun aplikasi

and set up your automatic savings plan.

dan tetapkan pelan simpanan secara automatik.

If you make these two small changes --

Jika anda buat dua perubahan kecil ini —

focus on just one savings goal at a time

fokus satu matlamat simpanan pada satu-satu masa

and automate your savings --

dan menyimpan secara automatik—

you should find success,

anda akan berjaya,

even if you don't think you're saving that much money.

walaupun anda fikir anda tak menyimpan banyak.

And it's easier than it may seem.

Ia juga tampak lebih mudah.

So there you have it.

Begitulah.

We have demystified the old adage of paying yourself first.

Kita sudah dedahkan pepatah bayar diri sendiri dahulu.