Financial Snacks by Lee Mun Wai
What
has a cup of coffee made with espresso and steamed milk got to do with
your finances? Actually, nothing! However, LEE MUN WAI wants to
introduce you the “Latte Factor” which has everything to do with your
finances.
THE “Latte Factor” is based on an extremely simple
concept − we need to look at the small things we spend our money on
unconsciously' every day and redirect that spending to enrich ourselves.
Putting
aside that odd ringgit or two a day for your future instead of spending
it on purchases such as expensive lattes, bottled mineral water,
cigarettes, too much alcohol, magazines that you don't read, and
handbags that are kept in the cupboards, you'll be amazed the difference
your latte factor can make between accumulating wealth and living from
paycheck to paycheck.
We often don't even realise how much we are
actually spending on these little purchases. If we did think about it
and changed our habits just a tad, we could actually change our destiny.
Just
to prove the point, let's assume we manage to redirect RM10 every day.
That's RM300 a month into our special Latte Account for the next 30
years. Assuming an interest rate of 6% per annum, we will have in excess
of RM300,000 in our account!
Get your Latte Account working just
a little harder by setting up a well-constructed and efficiently
managed investment portfolio to return you 12% p.a., you will amazingly
become a millionaire in the next 30 years!
Are you surprised?
Do
this for the next one week. Identify your actual “Latte Factor” by
tracking your daily spending in detail and then calculate just how much
you could save in a few years.
The “Latte Factor” is not rocket
science; it just makes good financial sense. This simple exercise can
possibly be life-changing. It all adds up, so start checking out on your
lattes today with your financial planner.
Clement Jouling ialah
Perunding Unit Amanah berlesen (Licensed Unit Trust Consultant).
Sekiranya anda berminat untuk mengetahui lebih lanjut tentang pelaburan unit amanah, boleh hubungi beliau terutamanya buat anda yang berada di Kota Kinabalu dan sekitarnya.
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