2011/03/03

早报税早退税-又是时候填efilling

1-3-2011开始就可以填e-filling报税,歪歪到了今天都还不够资格缴税,不过还是必须填e-filling, 因为可以拿回股息被扣除的25%。

2010年搞机收入,稿费,还有广告费,加起来也只有17千,平均算起来每月收入为RM1400(歪歪在公布身家)。。


没有钱才需要理财


以歪歪的月入RM1400(不包括股息收入), 却能够做到有闲钱买股票,一再的陆续加码,全靠理财。

对,理财就是因为歪歪没有钱,所以才需要靠理财来脱离钱不够用的日子。

歪歪的每月收入少,却依然能够手头松,月月有钱存,只因歪歪到目前为止依然是0负债,没有汽车,也没有房屋贷款。

歪歪如此的节省,把每个存到手的几百块,几百块的闲钱都用来买股收息。歪歪的目的只有一个,就是要趁自己还没有房屋贷款时,赶快累积越来越多的被动现金流入,那么日后贷款买了屋子后,经济压力起码也可以比别人少很多。

当然可以的话,歪歪更希望自己累积的被动现金流入是足够付房屋贷款,也足够付生活费用。

大大的梦想必须由一小步,再一小步的行动慢慢去完成,所以只要目标还没有达到,歪歪依然陆续把每个星期存回来的闲钱进入户口,等待成为买股的后备金。

同样的,因为歪歪现在不等钱用,所以这笔即将到手小小退税将会被存入股票交易户口。

去年第一次填e-filling,因为对Reit -single tier不了解,结果把hk3表格填错。之后也花了一些时间做求证和纠正,才搞定。

去年的错误让歪歪印象深刻,也让今年的e-filling表格填得比较轻松。

歪歪在这里提醒有买产业信托-Reit的朋友 ,不用把Reit填写在hk3表格里。而hk3表格里,只需要填写任何有扣除25%所得税的股票。

要了解更多,可以翻阅歪歪的旧贴;

LHDN的更正所得税回退

2011 报税时间表


ARIKH AKHIR
Penghantaran Borang
e-BE
30 April 2011
e-M
(Tiada punca perniagaan)

e-B
30 Jun  2011
e-P
e-M
(Ada punca perniagaan)


e-filling会比手填表格简单,起码自己不用按计算机来算,e-filling会自动计算。


也许你也有兴趣阅读以下文章;


样样贷款 最终苦了自己


贷款利息: 汽车贷款


个人贷款为一场豪华婚礼


AKPK - 债务重组


告别月光族



10月2010年格外现金流入


开始投资让自己成为富裕者

谢谢你阅读这篇文章,请帮忙使用以下的“分享”链接做个推介。 谢谢!

25 条评论:

  1. You don't have a permanent job? Should try and get one...

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  2. Haha...no wonder she is so free...

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  3. 那么那个e-filing的资格在那里?

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  4. 不知歪歪愿不愿意公布从RM500开始投资到现今的股票总数来激励下我们这些新手投资者呢?让我们看看积少成多的威力有多大:)谢谢歪歪:-)

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  5. 哇,好厉害。RM1400还能每月储蓄几百元。

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  6. yy.. can you share your monthly expenses breakdown like transport, meals, insurance and etc?

    and just wondering based on the income, would it be better to find a 9-5 job? :D

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  7. 匿名;

    我帮自己打工的。当初就是不要permenant job,才能换回现在的自由自在。

    小流氓
    https://e.hasil.gov.my/

    我几年前弄得,所以已经不记得怎么弄了,你可以去相关网站看看,或是联络lhdn,他们的工作效率不错下的。


    投资小妹;

    这个是我最后的底线,所以不能公布。想要知道威力,可以自己用行动去进行考察:)

    YH;

    我很少需要到花钱的。头脑太清醒,所以很难让我花钱在贬值的物品上,就出了吃。

    匿名;

    写着给你的回复,发现该回复足够写一篇文章了,反正要跟新部落格,所以把写给你回复写成文章,等修改后再post。

    你的问题可以让我长篇大论的活说当年。

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  8. 歪歪在这里提醒有买产业信托-Reit的朋友 ,不用把Reit填写在hk3表格里。而hk3表格里,只需要填写任何有扣除25%所得税的股票。

    thanks

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  9. 我每月薪金RM3k都不能肯定一定会储蓄RM500.家庭,汽油,琐碎费用&父母家用都用去超过一半了.现在唯有逼自己一定要‘死’出一小笔做储蓄。
    真的钱不够用啊。。

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  10. nsp;

    我去年就是把产业信托的10%填了进去,结果还要另外做更正。

    YH;

    尽量生活简单些,自己带饭去公司,也能节省出一笔钱。再不然就开原了。

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  11. 投资小妹:

    I don't think she gains a lot from the way she buys share using few hundreds at a time...more in paying the commission to the brokers...

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  12. No wonder she doesn't want to open up her record to encourage us...:(

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  13. True also...RM1400 per month is really hard to save RM500...

    She must be staying at home only.

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  14. yy, you should not have said the truth that you earn only RM1400 per month...now everyone doubt about whether you are really making money in stock/KLSE...

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  15. 匿名;

    对你所写,我无言回复。你自己继续吧~我只会继续去做自己认为对的事情。

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  16. 匿名;

    如果你觉得我有问题,就别再浪费你的时间在我的部落格上。

    人的时间有限,好好利用你的时间学习更好的。

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  17. Come on guys, this is just a blog. Nothing to prove that whether she is telling the truth or false. Anyhow, judging from her article, there's no doubt that she's abit stubborn with her so called "own way" of investing. But her "stubborn" style of investment have no doubt that had created so wealth for her.

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  18. My friend earn only RM1500 per month, guess how much she save ? RM 1200 !!! The secret ? No housing loan, no car loan, eat at home, stay at home, use family car, petrol always pump by parents, Boy friend pay for her dinner & entertaintment... bla...bla... So, no surprise that the blogger here can save so much money from such a tiny income... ask her to work in kl see she can survive or not with that RM1400.

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  19. Definitely she can't gain alot from that kind of "turtle" style investment tactics. I think she don't even know how to use the power of leverage to increase her income.

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  20. Please define "so wealth"...I think when she retire she may still living a RM1400 to RM2000 per month lifestyle...this is not really enough for most of the people...ok la, as long as everyone is happy...

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  21. You can't said that she don't know investting or leveraging...she has a Bachelor Degree in International Finance?

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  22. yy, you can ignore them...but they are just sharing the fact...this way cannot make you financial free nor to say rich...better find a proper 9-5 job...

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  23. True la, just share out la...don't let yy mislead the beginners like little 投资小妹...they have little fund and loss if did not invest properly...

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  24. I think since you are on business now, it is better you do it properly for the first time. Even you are earning RM1400 per month, you should start deducting all your business expenses. This would make your taxable income to be lower.

    If you do this from day 1, it would be easier for you later to prove the taxman that these are your genuine business expenses.

    Else, next time, when your business grow big, the taxman will come and ask you, why only you "declare the business expense now, and not before"?

    For business, a lot of expenses is deductable. You can do it in such a way that you always re-invest in your business, and left nothing to be taxed.

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  25. Giap Seng;

    以目前的情况,生意额再多,也有限制,除非转换更大的空间,才能提供更多服务,提高收入。

    明年还是个未知数,到了明年也许要做另外的打算:)

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