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Charles, 29 - tahun (bukan nama sebenar) ialah
Posted on Jun 29, 2022
Charles, 29 - tahun (bukan nama sebenar) ialah seorang eksekutif jualan serantau yang berjaya. Beliau dan isterinya mempunyai dua orang cahaya mata yang comel.Beliau sentiasa tahu bagaimana untuk menguruskan wang dengan baik dan mengamalkan cara hidup dalam kemampuan.
Charles sudah - bertahun- tahun menggunakan kad kredit secara berhemat. Beliau juga tidak pernah menyalahgunakan kad kredit dan sentiasa melunaskan pembayaran semula dengan kadar yang segera. Namun begitu, beliau tidak pernah membuat simpanan wang untuk kegunaan di waktu kecemasan. Ini menimbulkan masalah kewangan kepada beliau.
Selain daripada - isteri dan anak-anak, Charles juga turut menyara bapanya yang semakin meningkat usia. Apabila bapanya memerlukan wang untuk kos prosedur rawatan, beliau akan bertanggungjawab untuk membayar kos rawatan tersebut.
Masalah Charles - bermula apabila satu hari, beliau terpaksa menggunakan kad kredit untuk membayar kos rawatan perubatan bapanya kerana pada ketika itu, beliau mempunyai komitmen kewangan yang lain dan tidak mempunyai simpanan kecemasan. Tidak beberapa lama selepas itu, apabila menerima notis daripada pihak bank, barulah beliau sedar bahawa beliau tidak mampu untuk membuat pembayaran semula kad kredit tersebut.
Pertengkaran - besar telah berlaku di antara Charles dan isterinya menjadikan keluarga itu tertekan. Hal ini adalah kerana mereka tidak tahu bagaimana untuk berurusan dengan pihak bank dan dikhuatiri mereka tidak lagi mampu untuk menanggung perbelanjaan harian mereka sendiri.
Charles mendapat - tahu tentang perkhidmatan kaunseling kredit dan program pengurusan kredit (PPK) yang ditawarkan oleh AKPK lalu segera menghubungi pihak kaunselor AKPK bagi mendapatkan bantuan. Setelah berbincang dengan pengeluar kad kredit terbabit,AKPK berjaya mengurangkan pembayaran hutang bulanan Charles sebanyak dipersetujui oleh kesemua pihak.
Charles telah - mendaftar dirinya dalam PPK yang AKPK sediakan dan turut mengikuti jadual pembayaran balik yang diberi. Beliau berhajat untuk menyelesaikan tunggakan kad kredit walaupun jumlahnya agak besar. AKPK mencadangkan beberapa penyelesaian dan mengajar Charles cara-cara membuat bajet dengan betul dan mengurangkan perbelanjaan yang tidak perlu atau tidak penting.
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Tertiary
The world we live in is increasingly complex, especially for the youths, and they will eventually need to take charge of their future and finances. Financial education in the tertiary stage is for those between the ages of 18 to 25 currently pursuing post-secondary education. Providing them with the appropriate financial know-how at this point will build up their competence in dealing with future financial decisions. This module focuses on cash flow management, the importance of savings and setting up a budget, internet banking and other appropriate topics for university and college students.
Entering Workforce
This stage comprises those between the ages of 20 to 30, i.e. mainly those who are just starting out in life. Financial education is essential to this age group as they learn to be independent in most matters especially financial management. In their minds, a car is a want rather than a need, and normally sits at the top of their list of things to acquire. Our Entering Workforce module focuses on understanding the fundamentals of borrowing and the importance of borrowing productively to encourage positive net worth. Financial education at this stage is also aimed at inculcating the habit of managing debts wisely. The module also introduces the fundamentals of investments and the importance of insurance for a better tomorrow.
Starting and Raising a Family
The module for the next life stage is for those who are starting and raising a family. People in this category are approaching that time in their life when they will normally experience important and meaningful life’s milestones: marriage, children and a new home. Designed for those between 30 to 40 years of age, this module will focus on settling unproductive loans while reducing debt commitments as they prepare for retirement. Emphasis will again be placed on the importance of planning for and protecting against uncertainties by talking about the types of financial tools available. They will learn the various types of insurance policies and be able to decide on the best coverage based on their affordability for their precious family. Education will also be given on the appropriate investments that will provide passive income for a better tomorrow.
Retirement
The transition from working to retiring involves many tough decisions regarding income and lifestyle needs and whether one plans to ease into retirement or otherwise, while considering factors such as wealth management, whether a pension is enjoyed, and EPF balances. These are big decisions with long-term impact on their financial well-being during retirement. To make the best choices, they require sufficient knowledge and intense awareness of how they want to live through their retirement years. Therefore, our pre-retirement module will prepare them for retirement by teaching them the proper use of their investments and review of their portfolio while servicing their insurance policies and settling unproductive debts to improve their net worth positively.
Post – Retirement
You have retired. How would you manage your money now? Considering that the average life expectancy in Malaysia has improved, it is more important now than ever to ensure that you have the financial resources to live a comfortable and happy lifestyle—particularly if you are looking forward to retiring with peace of mind. Taking care of your wealth and making it last are important at this stage. Financial literacy and education is a continuous life lesson that does not end at retirement. Now, more than ever, you need to manage your finances wisely and plan for the unexpected. Our post-retirement module is focused on those who are currently transitioning into retirement or are in the early stages of retirement.