7 Cara Untuk Menjana Pendapatan Tambahan
- By CompareHero.my
- April 6, 2021
Anda mungkin telah berpuas hati dengan pendapatan semasa anda. Namun begitu, mempunyai pendapatan tambahan adalah digalakkan, kerana bak kata pepatah, ‘sediakan payung sebelum hujan’.
Mencari pendapatan tambahan di samping mempunyai kerja tetap tidak salah. Kata kunci utama di sini ialah fleksibiliti; di mana pendapatan baru itu tidak mengganggu produktiviti kerja tetap anda. Disini, kami senaraikan 7 peluang menjana pendapatan tambahan yang boleh anda lakukan, tanpa perlukan masa dan tenaga yang banyak.
Baca juga: 7 Pembaziran Yang Sering Dilakukan Rakyat Malaysia
Contents
1. Berniaga barang-barang terpakai
Anda ada buku-buku lama yang tidak dibaca lagi? Ataupun mesin senaman yang terbiar mengambil ruang sudut bilik, saksi azam Tahun Baru yang tertangguh? Apakata jana sedikit untung disebalik hasrat anda untuk mengemas rumah. Anda boleh jual barang-barang anda dalam talian di eBay atau Mudah.com, sertai carboot sale ataupun aturkan yard sale di perkarangan rumah anda.
2. Menjadi ‘freelancer’
Terima kasih kepada internet, anda kini boleh mengiklankan bakat dan kebolehan yang anda ada dan mencari projek sampingan untuk menjana pendapatan tambahan. Bergantung kepada kepakaran anda, projek-projek ini kadangkala mungkin kecil, namun bayaran yang ditawarkan adalah lumayan. Platform seperti Fiverr, Freelancer.com dan Upwork.com antara laman-laman web yang boleh anda lawati untuk mencari projek-projek tersebut.
Berkaitan: Panduan Berniaga Bisnes Food Truck Di Malaysia
3. Menjadi tutor
Minat mengajar? Formula-formula yang anda pelajari masih dalam ingatan? Sekiranya jawapan anda ‘Ya’, terdapat ramai para pelajar yang mencari bantuan anda. Sebagai permulaan, anda boleh mengajar ahli keluarga anda terlebih dahulu dengan caj yang rendah.
4. Perkhidmatan sewa
Kami tidak maksudkan khidmat dalam skala yang besar seperti rumah tumpangan atau servis teksi. Jika anda memiliki bilik atau rumah tambahan, anda boleh sewakan hartanah tersebut untuk jangka masa yang singkat. Anda boleh gunakan platform seperti iklaneka di kawasan anda ataupun AirBnb untuk tujuan ini. Anda juga boleh menggunakan langkah ini sekiranya anda memiliki kereta dengan menggunakan khidmat seperti Grab atau Uber.
5. Hobi anda
Hal ini adalah gabungan daripada cadangan #2 dan #3 di atas. Kunci untuk berjaya di sini ialah menjadikan hobi atau sesuatu yang anda minat sebagai sumber pendapatan. Sebagai contoh, minat seperti memasak, menata rias, bertukang, dan sebagainya boleh menjadi titik mula untuk anda mejual produk, membuka kelas, atau mencari rakan kongsi yang memiliki minat yang sama.
6. Melabur
Anda mempunyai impian untuk menjadi seperti Warren Buffet, antara manusia terkaya di dunia? Berjinak-jinaklah dalam dunia pendapatan pasif ini! Dengan piihan-pilihan seperti saham, unit amanah dan bon, pelaburan adalah salah satu cara yang amat popular daalm menjana pendapatan sampingan secara pasif. Namun, pastikan anda telah melakukan kajian menyeluruh, menyediakan modal yang besar dan bersedia menghadapi risiko kerugian yang tinggi sewaktu memulakan pelaburan anda.
Baca juga: 5 Tips Bijak Untuk Uruskan Kewangan Peribadi
7. Menulis blog
Kadangkala, menjana pendapatan dalam talian hanya semudah menulis tentang perkara yang anda minati dan mengkaji strategi untuk memasarkan karya anda. Tidak kira apa juga topik yang anda pilih- fotografi, sukan, teknologi, hatta berkebun sekalipun, anda harus rajin menerbitkan artikel-artikel yang berkualiti tinggi untuk menarik minat pembaca.
Kebanyakan cadangan-cadangan di atas juga boleh menjadi pilihan bagi anda melegakan tekanan diluar waktu kerja. Sebaik sahaja anda berjaya mengimbangi keperluan kedua-dua kerjaya, anda akan dapat lebih kebebasan dalam mengawal kestabilan kewangan anda.
Lihat juga: Dapatkan RM1 juta melalui kadar faedah kompaun!
Read More
What’s The Penalty For Filing Your Income Tax Late?
- By CompareHero.my
- April 5, 2021
As the first deadline to file your income tax has just passed, you may be wondering what could happen if you file your taxes late?
From getting fined, having to pay triple the amount of your tax to being barred from leaving the country, below is a list of what can happen if you don’t take you tax payment seriously.
Related: Malaysia Income Tax e-Filing Guide For Newbies
You will have to pay more
If you are late when submitting your tax form, you will need to pay a penalty. This will give you unnecessary costs that could have easily been avoided. The penalty will be imposed if there is a delay in the submission of your Income Tax Return Form. All Income Tax Return Forms must be submitted within 30 days from the date stated on the form or for period that has been set by the government. The amount of penalty you will have to pay is as per below:
| Type of Offences | Source of Income | Penalties |
Pay taxes after 30th April | Non-Business | a. 10% increment of the tax payable amount, and b. Additional 5% increment on the balance of (a) if payment is not made after 60 days from the final date |
Pay taxes after 30th June | Business |
Aside from having to pay more, if you’re late to submit your tax form, you will get fined if you understated your taxes, don’t submit a form at all or for various other offences. In the table below the fines are stated as follows:
| Type of offences | Amount of fine |
| Failure (without reasonable excuse) to provide an Income Tax Return Form | RM200 to RM20,000 or imprisonment or both |
| Failure (without reasonable excuse) to give notice of chargeability to tax | RM200 to RM2,000 or imprisonment or both |
| Make an incorrect tax return by neglecting or understanding any income | RM1,000 to RM10,000 and 200% of tax undercharged |
| Give any incorrect information in matters affecting the tax obligation of a taxpayer or any other person | RM1,000 to RM20,000 or imprisonment or both and 300% of tax undercharged |
| Willfully and with intent to avoid or assist any other person to avoid tax | RM1,000 to RM20,000 or imprisonment or both and 300% of tax undercharged |
| Assist or advice (without reasonable care) others to under-declare their income | RM2,000 to RM20,000 or imprisonment or both |
| Fails (without reasonable excuse) to comply with an order to keep proper records and documentation | RM300 to RM10,000 or imprisonment or both |
| Fails (without reasonable excuse) to comply with a notice asking for certain information as required by IRBM | RM200 to RM2,200 or imprisonment or both |
| Fails (without reasonable excuse) to give notice on change of address without 3 months | RM200 to RM2,000 or imprisonment or both |
You are barred from leaving the country
If you have arrears or you have not been paying your taxes, you will not be able to leave the country as you will appear on the list under the immigration department of individuals who are blacklisted from travelling overseas. And on top of that, if you make an attempt to leave the country without paying your taxes, you will also be fined RM200 to RM2,000, be imposed jail time or both.
You may have to go to jail
You may have already noticed by now that most penalties pertaining to tax involves imprisonment. The worst-case scenario that could happen if you don’t take your tax payment seriously would be a combination of jail time and being fined. You should also understand the difference between tax avoidance and tax evasion. If you don’t file for your income tax without a reasonable excuse, that is considered as tax avoidance. It carries a punishment of RM200 to RM2,000 fine, imprisonment, or both.
While tax evasion means deliberately misrepresenting or concealing your matters to tax authorities. This usually happens when people want to reduce their tax and can include dishonest tax reporting like under-declaring income, profits or gains, or overstating tax relief and deductions. You can be fine no less than RM1,000 and up to RM20,000, imprisonment up to three years or both.
But that’s not all, you will also have to pay a special penalty of triple the amount of tax which has been undercharged in consequence of the offence or which would have been undercharged if the offence had not been detected. Therefore, it is important to make sure you pay tax on time, and also declare and pay for it correctly because you can get into a lot of trouble if do not pay your tax or if you underpay or under declare.
However, you will receive benefits if you file your taxes early. The main benefit you can get is receiving your tax refunds faster. Most taxpayers are on a monthly tax deduction (also known as Potongan Cukai Bulanan PCB) this means that there is a high chance that you are overpaying your taxes as tax reliefs are not taken into account for the monthly tax deduction.
Hence, when you file your income tax and include your bank account details, it will enable the Inland Revenue Board Malaysia (IRBM) to deposit your tax refund directly into your bank account. Taxpayers who use e-filing will generally receive their tax refund 30 days after declaring their income, which is why the earlier you file for your taxes, the earlier you get your refund.
You don’t want to get fined for filing your taxes late or not at all. Remember, there may be a possibility that e-filing might not work properly because of the large number of users who are rushing to get it done at the last minute, so do not wait until the deadline to pay your taxes. And do make sure to double-check all information before you file your taxes to avoid receiving a penalty.
Read More
Income Tax Relief: What Can You Claim In 2022 For YA 2021?
- By CompareHero.my
Do you know what is income tax relief? Tax reliefs are set by Lembaga Hasil Dalam Negeri (LHDN), where a taxpayer is able to deduct a certain amount for cash expended in that assessment year, from the total annual income. These are for certain activities that the government encourages to lighten our financial loads.
For income tax, Malaysia, tax reliefs can help reduce your chargeable income, and thus your taxes. If planned properly, you can save a significant amount of taxes.
Things to do now to maximise income tax relief
There are various items included for income tax relief within this category which are:
- books, journals, magazines, printed newspapers
- sports equipment and gym membership fees.
- computer (annually)
- payment of a monthly bill for internet subscription
- Smartphones
The maximum income tax relief amount for the lifestyle category is RM2,500. So if you bought a computer that costs more than that, you can no longer include your gym membership, internet subscription, and others for income tax relief.
Do also take note:
If you have a golf club membership that also has gym facilities, it would not qualify for this income tax relief.
Here are some of the other things that you can claim for:
| Tax Relief Year 2020 | |
| Individual Relief Types | Amount (RM) |
| Self and dependent | 9,000 |
Medical expenses for parents OR Parent Limited 1,500 for only one mother Limited 1,500 for only one father | 5,000 (Limited) OR 3,000 (Limited) |
| Basic supporting equipment for disabled self, spouse, child or parent | 6,000 (Limited) |
| Disabled individual | 6,000 |
Education fees (Self)
| 7,000 (Limited) |
| Medical expenses for serious diseases for self, spouse or child | 6,000 (Limited) |
| Medical expenses for fertility treatment for self or spouse | |
| Complete medical examination for self, spouse, child (Limit to RM500) | |
Lifestyle:
| 2,500 (Limited) |
| Lifestyle: Purchase of personal computer, smartphone or tablet for self, spouse or child and not for business use (Additional deduction for purchase made within the period of 1st June 2020 to 31st December 2020) | 2,500 (Limited) |
| Purchase of breastfeeding equipment | 1,000 (Limited) |
| Child care fees to a Child Care Centre or a Kindergarten | 3,000 (Limited) |
| Net saving in Skim Simpanan Pendidikan Nasional’s (SSPN) scheme | 8,000 (Limited) |
| Husband/wife/alimony payments | 4,000 (Limited) |
| Disabled wife/husband | 3,500 |
| Each unmarried child and under the age of 18 years old | 2,000 |
| Each unmarried child of 18 years and above who is receiving full-time education (“A-Level”, certificate, matriculation or preparatory courses). | 2,000 |
Each unmarried child of 18 years and above that:
| 8,000 |
| Disabled child | 6,000 |
| Additional exemption of RM8,000 disable child age 18 years old and above, not married and pursuing diplomas or above qualification in Malaysia @ bachelor degree or above outside Malaysia in program and in Higher Education Institute that is accredited by related Government authorities | 8,000 |
Life insurance and EPF including not through salary deduction
| 7,000 (Limited) |
| Deferred Annuity and Private Retirement Scheme (PRS) – with effect from year assessment 2012 until year assessment 2021 | 3,000 (Limited) |
| Insurance premium for education or medical benefit INCLUDING not through salary deduction | 3,000 (Limited) |
| Contribution to the Social Security Organization (SOCSO) | 250 (Limited) |
Payment for accommodation at premises registered with the Commissioner of Tourism and entrance fee to a tourist attraction (Accomodation expenses at premises registered with the Ministry of Tourism, Arts and Culture Malaysia and entrance fees to tourists attractions incurred on or after 1st March 2020) Registered accomodation premises can be check thru link of : http://www.motac.gov.my/en/check/registered-hotel | 1,000 (Limited) |
Source: Inland Revenue Board of Malaysia
As a final note, when filing for your income tax remember to not under-declare your income. Many people tend to do so. You will then have LHDN come after you for all of your under-declared income down the road plus you will also be fined and risk being jailed.
Read More
10 Tips To Save RM800 A Month
- By CompareHero.my
- April 2, 2021
Is it possible to even save RM10 these days, let alone RM800 in 30 days?
Well, with the rising cost of living in Malaysia – especially in cities like Kuala Lumpur, Petaling Jaya, Penang and Johor Bahru – life can get pretty pricey. That’s why we’ve discovered 10 different ways to change your lifestyle and spending habits that can help you save hundreds of ringgit a month. After all, as the saying goes, sikit-sikit lama-lama menjadi bukit!
Related: The Cost of Living Battle: Kuala Lumpur Vs. Johor
1. Use Cash only
Instead of going cashless, try going with cash only. Estimate and withdraw a limited amount that will be enough to last you a week, then set aside your ATM and credit cards. This is one of the most effective tips we’ve tried, mainly because you’ll see (and feel!) the pinch of handing over your hard-earned money to buy things.
Amount saved: RM50 – RM200
2. Postpone that purchase!
We’ve all been there: tempted by a shiny new gadget, pretty designer bag or clothes and accessories. Chances are, if you wait a month or three, prices for these items will drop as they are replaced by newer ones, or you’ll simply lose interest and realise you don’t need it.
Amount saved: RM100 – RM500
3. Change your mobile plan
Everyone has at least one mobile device these days which they carry around most (if not all) of the time. More often than not, people usually stick with whatever mobile plan they have when they buy or change a new device, even when the contract period is over.
Once your contract with the service provider ends, it might be a good idea to take a look around for better and cheaper mobile plans that fit your needs without paying for extras that you don’t use.
Amount saved: RM20 – RM60
Related: Telco Phone Bundle Comparison (Digi and Celcom)
4. Buy generic brands for everyday items
Our spending habits are prompted by familiarity and brand consciousness. Many supermarkets and hypermarkets have their own house brands for items like toiletries and groceries, which are often cheaper than established brand names and just as effective. Buy generic for items you use a lot of but don’t really care about, such as tissue, dishwashing liquid, tuna, and biscuits. The only difference you’ll see is the extra money you have at the end of each shopping trip.
Amount saved: RM50 – RM100
5. Potluck instead of eating out
Having a meal with friends every weekend can be a very enjoyable but expensive activity, so instead of dining out, why not organize a potluck every alternate week? You’ll get to hone your cooking skills (even if it’s just simple fare), enjoy delicious home-made food, and save on petrol and parking fees. After all, it’s the company that counts.
Amount saved: RM50 – RM100
6. Make use of free gifts, vouchers and coupons
Vouchers and coupons can help you save quite a bit, especially if you like to enjoy the occasional good food or pampering session. In this case, coupon apps (e.g. Samsung, Maxis) and websites (e.g. Groupon) are your best friend. Also, if you have membership or credit cards that offer discounts and promotions, take advantage of those to help you get more bang for your buck.
Amount saved: RM10 – RM100
Related: Top Lazada And Shopee Tips And Tricks Every Online Shopper Must Know!
7. Bring Your Own Lunch (BYOL)
BYOL should totally be a thing in offices, especially if there are not much food choices around, or you’re simply tired of eating at the same places every week. It has been reported that Malaysians spend at least RM3,900 a year on lunch alone, which is about RM300 per month for just one meal a day. You can prepare a week’s food in advance over the weekend, or if you’re cooking dinner, keep aside some for the next day’s lunch will help you save money in the long run.
Amount saved: RM50 – RM100
8. D.I.Y. repairs and fixes
Hiring somebody to fix a minor issue like a leaking tap, clogged shower head or chipped walls can be expensive. With so many do-it-yourself guides online, and plenty of D.I.Y. shops around, these things can be easily and cheaply fixed by yourself. Ladies, you can also save money by doing your own manicures and adopting a good skincare routine instead of going for pricey facial sessions.
Amount saved: RM50 – RM200
9. Keep a jar of spare change
Small change can come in more handy than you think. Keep jar or piggy bank where you would normally empty your pockets, and put in any coins or spare change you may have. Not only will the amount add up over time; it can also be used to buy small items like newspaper or bread when you head to the nearby mini-market.
Amount saved: RM5 – RM20
10. Sell stuff online
The last step is to actively make money, instead of just saving it. Chances are you have some items that you no longer need or use, but which can still be sold to people who are looking for it. There are now plenty of sites and apps that allow you to post items for sale, so many it’s time to get rid of that impulse purchase YSL lipstick bought at duty free, or the limited edition pair of Adidas shoes that’s been in its box for ages.
Amount saved (made): RM2 – RM150
Related: 6 Ways To Sell Your Unwanted Stuff For Money
Depending on your current saving and spending habits, the amount may be more or less than what estimated here. Nevertheless, regardless of how much you end up saving, it’s important to remember that every little bit counts, and at the end of the day, you’ll feel much more satisfied knowing that you are able to accomplish your goal of saving money.
Read More
5 Tips Bijak Untuk Uruskan Kewangan Peribadi
- By CompareHero.my
Dalam menguruskan kewangan peribadi, untuk pastikan anda tidak ketinggalan anda perlu mengamalkan tabiat kewangan yang betul.Anda tidak perlu menjadi pakar kewangan, cuba amalkan 5 tips ini yang mudah untuk dipelajari dan laksanakan supaya pengurusan kewangan wang anda
1. Ketahui cara menggunakan pinjaman wang dengan betul
Bukan semua pinjaman adalah buruk. Jika anda menggunakan pinjaman wang dengan bijak, ia akan bantu anda untuk menjana pulangan yang lebih tinggi. Akhirnya, anda bukan sahaja mampu membayar balik pinjaman tersebut, bahkan anda juga boleh menambah pendapatan.
Contohnya, anda memohon pinjaman untuk membeli telefon pintar. Ini merupakan contoh pinjaman yang tidak berfaedah, kerana gajet tersebut akan susut nilai dengan cepat, dan tidak boleh dianggap sebagai aset yang boleh menjana pendapatan.
Sebaliknya, jika anda memohon pinjaman untuk mengembangkan perniagaan merupakan situasi berbeza. Pinjaman ini merupakan sejenis hutang baik kerana ia berpotensi untuk menambahkan pendapatan anda. Hutang baik juga boleh dikenalpasti seperti berikut:
- Menambah nilai bersih peribadi
- Mengembangkan wang
- Bayaran ansuran yang berpatutan
- Kadar faedah yang rendah
Jadi, sebelum memohon pinjaman, fahami konsep leverage terlebih dahulu. Ini kerana pinjaman wang boleh mendatangkan faedah jika anda gunakannya untuk menjana keuntungan.
Lihat juga: Perbezaan antara Hutang Baik dan Hutang Buruk
2. Fokus tingkatkan pendapatan
Secara realitinya, berapa jumlah simpanan yang anda mampu simpan dari pendapatan bulanan sedia kala? Sebagai contoh, jika gaji bulanan anda RM3,000 dan anda membelanjakan sekurang-kurangnya RM500 setiap bulan untuk keperluan asas, ini bermaksud anda tidak mampu untuk menyimpan lebih daripada RM2,500 sebulan.
Bagi kebanyakan individu, pekerjaan tetap mereka tidak akan menjadikan mereka kaya, sebaliknya ia lebih untuk menyara hidup dan sebagai sumber pendapatan yang stabil. Individu yang mempunyai kewangan stabil adalah mereka yang aktif mengusahakan pertumbuhan pendapatan mereka yang sedia ada.
Salah satu tips yang anda boleh ikut ialah dengan mencuba untuk mengembangkan pendapatan anda sekurang-kurangnya 10% setiap tahun. Katakanlah gaji anda tahun ini RM3,000 sebulan, cuba untuk dapatkan pendapatan RM3,300 pada awal tahun hadapan. Walaupun nampak sukar, mulakannya dari sekarang; sama ada dengan mencari pendapatan tambahan, ataupun meningkatkan kemahiran supaya anda boleh berunding kenaikan gaji.
3. Amalkan peraturan 5%
Jika anda membuat pelaburan, pastikan anda amalkan peraturan 5%. Peraturan ini menyarankan supaya 5% dari portfolio pelaburan terdiri daripada pilihan pelaburan yang berbeza. Secara amnya, ia akan menjadikan pelaburan-pelaburan anda lebih bervariasi, dengan gabungan pelaburan berisiko tinggi dan rendah, tanpa menjejaskan kewangan.
Contohnya, peruntukkan 5% dari modal untuk pelaburan berisiko tinggi dengan pulangan 7% setahun. Tindakan ini dapat menambah nilai pelaburan sekiranya fokus portfolio anda terletak kepada pelaburan-pelaburan berisiko rendah. Walaupun dengan risiko yang tinggi tidak menjanjikan pulangan, kesannya tidak terlalu teruk, kerana anda telah menghadkannya kepada 5% sahaja.
Lihat juga: 5 Langkah Mudah Untuk Bina Simpanan
4. Berbelanja dengan cermat
Pesanan yang kerap kali anda dengan, mungkin sejak kecil, namun akan terus relevan. Tabiat ini perlu diamalkan sekiranya anda serius untuk mengembangkan kekayaan. Ianya akan lebih berguna jika anda turut beri perhatian kepada perbelanjaan-perbelanjaan kecil juga.
Sebagai contoh, melanggan keahlian gymnasium namun tidak pernah pergi ke mana-mana sesi. Selain itu, contoh-conoh lain termasuklah membayar pinjaman perumahan lebih dari sepatutnya (dengan tidak menggunakan pembiayaan semula) atau membeli minuman dan makanan mahal, walaupun ada pilihan yang lebih murah.
Tindakan ini sebenarnya adalah membeli berdasarkan kehendak berbanding keperluan. Dalam contoh makanan dan minuman tersebut, kita sebenarnya lebih mementingkan jenama, walaupun rasanya mungkin lebih kurang sama dengan pilihan lain yang lebih murah. Mereka yang arif akan pengurusan kewangan sedar akan hal ini. Bukanlah terus tidak berbelanja, namun pandai dan tahu bila dan bagaimana wang mereka dibelanjakan.
5. Elak menganalisa lebih dari diperlukan
Tindakan ini, yang juga dikenali sebagai analysis paralysis akan menghalang anda untuk mengambil tindakan, disebabkan terlalu memikirkan apa yang bakal berlaku. Tidak dinafikan, analisa amat penting dalam membuat keputusan kewangan. Tetapi, sesetengah individu terlalu fokus dengan analisa dan membuat kajian sehingga langsung tidak mengambil tindakan.
Contohnya, jika anda ingin membeli rumah pertama, tetapi tidak pasti sama ada ia masa yang sesuai. Individu yang memiliki kefahaman kewangan akan tentutukan tarikh akhir untuk mereka lakukan keputusan. Dengan in, mereka akan membuat analisa dan persediaan secukupnya, tanpa mengabaikan tindakan yang bakal diambil.
Jadi, dalam membuat keputusan, anda perlu tetapkan satu tempoh masa bagi anda membuat analisa. Jangan lupa letakkan tarikh akhir untuk tempoh tersebut, dan apa tindakan seterusnya yang perlu diambil. Seterusnya, laksanakan keputusan tersebut dan jangan berlengah, kerana bertangguh dalam mengambil tindakan hanya akan merugikan anda.
Lihat juga: 7 Pembaziran Yang Sering Dilakukan Rakyat Malaysia
