EXPERIENCE BUILDING BOTH HOUSES PASSIVE INCOME

EXPERIENCE BUILDING BOTH HOUSES PASSIVE INCOME

By Arip A.R,

Thank God, we give thanks to God, when we hope to leave the Hajj, Allah favor incredible addition to gifts to earn income fassive second home. This paper is intended as fa amma bini'mati rabbika fahadits. (Then with God favors your provider (which has been given to) preach. Hopefully a lesson for self, family and friends.

Brother-in-law when she heard that just a few years married wants to buy a house and does not want to rent a house, I strongly support and prayers. He tried to find and fro in the complex where I live. Finally, he is interested in 1 piece of homes and 1 plots ready for construction. He did offer to those who have a home and had lots, the price finally agreed. But for one reason or another. Parents-in-law-in-law advised not to buy lots sold but chose the other buildings are permanent. Long story short my sister can buy and obtain a relatively comfortable home. Staying land plots hanging. Whether mandated to whom the land? God is omniscient. I really got a glimpse of the mind, wanted to also ask about the price. What answers have land? Please with the price of something, it exceeds the price offered to the sister-in-law. I began to think, if it could be built then I will move to the place recently, and my old house rented out.

So with one strategy, I asked the brother-in-law to buy plots. In short, he is confronted with the seller of the land of course the price is lower, cheaper than I ask the owner of the land. In summary I thank God whom God has given the new land, although not too large, can be enough to build a comfortable home. Once the transaction is completed, as the experience, I really lost interest to quickly build, before there is enough capital, the land every morning I dug for the foundation, little by little I put the foundation while continuing to finalize the letters soil.

Well this is God's secret fortune, my intentions and my wife is a passionate desire for immediate Hajj. I thought I was getting calls Hajj when building a house, I will stop first and prioritize the Hajj. However, the plan was perfect. Family thank God given the ease of capital, until parents are eager to donate wood for the completion of the house, I did not have the heart to refuse a helping hand, but I was determined to use a steel frame. Finally, in a period of less than four months the house was completed by the builders. Certainly my own anyway so amateur builders in during holidays. When development takes place I still have not got the call for the pilgrimage. Be me and the family moved into a new house. The good news is that the old house that has been quite a long time I lived, when it is known we will move on, some people intend to immediately hire him.

Finally my old house dress up a bit with repainted. Be this house as a second home fassive income, I remember in part the result of the completion of capital leases used to my new home, which is to buy the fence. God's perfect plan - a new house is finished, it can house both passive income, and only two years later Thank God my wife and I got a call pilgrimage. Yes Praise God for the gift given.

EXPERIENCE OF INCOME FIRST BUILD HOUSES FASSIVE

EXPERIENCE OF INCOME FIRST BUILD HOUSES FASSIVE

By: Arip A.R.

Believe that life is already exist governing that Allah the One life preserver and regulator, all of us are given the same potential that one day 24 hours, a month 30 or 31 a day, 365 days a year, just how to utilize this potential. The problem is we do not know how allotments sustenance given by God, How the number of verses of the Koran given by God to be memorized and practiced, whether we will inherit heaven or on the contrary in the form of inheritance hell ?. This is a challenge for us, because the quota undisclosed God it is necessary efforts to optimal, the lesson of course we can see, there are easily obtained surrogate sustenance there is indeed staggering to obtain it, however we still need to bear it, maybe we will be awarded ease after difficulty.

Efforts can we lakuan among others beg to Allah, do action to reach that goal. Thank God I had a bit of experience that might be useful.

About 9 or 10 years ago, I really would like to have additional income in order to obtain costs to send children in school with a better curriculum. It feels the way it really help of Allah.

One morning my friend for help to complete the development proposal mosque to be built in the neighborhood. While completing the proposal, this one friend said to me, this "mah" the work of God, God will give the stolen wages. She told how the wages for people who facilitate the construction of the mosque, he experiences God did not hesitate to reply tokcer. Want to believe it or not? I believe it's mah. My friend spirit pass.

With the permission of Allah after several minutes, the words came from the mouth of my friend, the phone rang, and asked my name. Eh who nelpon my aunt - what is preached guess my aunt. Immediately ... my aunt there across convey: "Ang, aunt has just offered the land. Bibi does not have any money. Sayang ang place though in an alley but the campus environment ". I said, ah where I got the money. But I'll discuss with his wife.

Long story short discussion with my wife. He understand and understand what I mean. Be action that my wife did was jewelry that he had he sold. Terkumpulah some extra money here and there, finally I found myself kl has a land area of ​​75 m2. Having bought the land I am confused how membangunnnya. Bibi request that at first foundation course. Search capital here and there, eventually it could also dipondasi. Er with the permission of Allah why there is any way to get capital. Then after completion dipondasi, I leave it to the image as well as the building to take care of my aunt kindly. Be the image is optimal for single-storey buildings consisting of five dorm room, 1st place / bike storage room, two bathrooms and one room for cooking, imagine how my aunt was very adept at planning the room so that optimal land use. Within a period of two months plus one-story building complete with DAK to the floor plan senengnya 2. Ah, and I felt why not build a house cape "tea", which ngurusnya aunt wong, from the purchase of materials to builders, to prepare consumption etc. This is the gift of God as an expression of my friend above, how to Allah it is very easy. Next thing I knew immediately filled the room, and be the first passive income is received, be the money as my daughter's school fees for one year. There was my first child is now starting college, the second and third grade classes 9 7 disebuah boarding educational institutions. One more God gives the gift of the birth of fourth daughter. I'm very grateful for his presence. God is great, God almighty preserver.

Lessons / lesson that can be drawn from the life journey,

1. Do not be discouraged by the current situation as difficult as any life is certainly no way out

2. Often we say when it will try, ah I'm not no capital, where perhaps I can build a business. Know that we are only required to make the process of life - God disposes. Confused looking busyness / work? There are dozens of mosques in our environment, there are hundreds of meters of road environment around us. Use the energy in us to be helpful, be helpers of God to cleanse the mosque regularly at your place, be people who are happy to facilitate the mosque, be a part of the mosque congregation, be a neighborhood street cleaners, and many more activities that can be done. Know The owner Rezeki not blind, he will lead us to access capital, he will lead us to the productive activities.

3. We often think, to reach a particular goal, we are too focused on the substance of the material that we wanted so we forgot about the owner of the facility. Though there are other strategies are invisible or seem beyond our reasoning we can do. Want a house? Then execute a strategy to help build and maintain the house of God. Hopefully God we made it easy to have a home, want hajj? Learn the science, pray for those who went also asked for prayers concerned. So that we can catch up in the next year, God willing, God will provide convenience. While certainly attempt to save a little by little. And of course we could give many more examples

EXPERIENCE BUILDING passive INCOME FROM PROPERTY

EXPERIENCE BUILDING passive INCOME FROM PROPERTY

By: Arip A.R.

Everyone longed to the additional income that number had grown increasingly time. Although we are no longer working alias retirement, but a steady income flow. Many ways people do. In this case I want to share the experience hopefully useful to others. Especially for the footmen to be married.

At the beginning we build a home with his wife to marry the idol of the heart, of course the first thought one of them how to prepare their own home so comfortably occupied by a small family. No problem modest home. That is also what I did the first time, a house acquired from mortgage facilities RSSS type (the house is very simple once), one bedroom, one living room and one bathroom there is no kitchen. However, how happy when she received the first property. The next issue of how to prepare the house while the kitchen cordon limited capital if you do not want to say there is no capital at all. I remember as a civil servant with a salary of 80% of the time, I get a windfall in the form of additional bapetarum / down payment assistance home around Rp 800 thousand. I think, this would be enough for what? Bought materials it feels less let alone be the builders. But the fact that I try to think hard. With the amount of money that much, I was determined to be able to build the rest of the land behind the house. I thought - why not - I can learn to be an amateur repairman, dig the foundation itself, attach the stones themselves, and so on. Be I realize the idea. Wong feels the spirit to do this on my own residence.

I took myself the foundation stone of the times that are relatively close to komplekku, so no need to buy. Iron for slup I bought from builders wreckage so the price is cheap. If you think now it seems amused, there are some builders who offer to help with the work. But alas the reward is not there. So the story goes its own way, before going to the office or home office or on Saturdays and Sundays, I gradually (basa Sunda ngarinyuh term, build a house as animal termites) actually I run. Although the results are not as neat a job amateur-made artisan - I can resolve gradually. And finally it is finished even take months. For the record this time my house is already rented to the needy, do not feel I've mengontrakan the home for 5 years.

From this experience, Thank God there are many lessons to be gained:

1. To realize the desire then do not hesitate to enjoy the process. Enjoy dig the foundation, each carrying stones, etc.

2. With the plunge, we obtain a self-taught skills

3. The next idea, I will not restore what I have built. But if any sustenance, then I'll build a new one somewhere else. Existing ones should rent / lease only.

4. We may think, how quickly pay off the mortgage, it is also what I thought at the beginning. But with the experience and the journey so conversely, if there is an opportunity for men top up (raise plapon) mortgage - I take that chance. The surplus I traded with other land, if possible could be built as soon as possible. Get up and rent out. If not, wait until I can top up mortgages in the next year, while return keproses that earlier I mentioned, gradually, every Saturday and Sunday, I played golf a traditional alias nyangkul for building foundations, which dibenak me, later on this land will be a house that can generate rental home. The result? We could fill the time with something productive. The hope plus years - the ratio of liabilities in the form of repayments to the Bank will be small compared with the results of the lease of the property. The term I pay the mortgage is a forced savings, which mortgage partly paid for by the tenant of the property.

5. Try to save money, regardless of the magnitude of the problem do not want one hundred, two hundred thousand per month is not a problem. A time will feel the benefit. The money collected will be triger or as a support for the following business activities. Examples of when we had the chance to be able to buy land, but less to complete such letters deed of sale, it would be very helpful if there is such savings. Of course many other examples.

6. Invest though the value is not how. Examples of when we are just able to buy a cabbage sand, a sack of cement, buy it. Learn nembok itself. Not as neat as could be made in artisan. But believe me this little thing that will initiate change of fortune.

7. For newly built homes, may think, I have to prepare new material, such as bricks, tiles etc. to complete the building. Know a lot of material that we can use even be obtained for free. My experience of the last / current. I take advantage of brick demolition, material Brangkal for material replacement brick wall of the house (how to install the look on google) so the cost of bricks for free, just require a fee for freight. For building houses one level, you can use bamboo as a material replacement for steel sloop. So the construction of the house can make budget cuts of 40 to 50%. Wow luarr usual.

8. The results we get, do not forget the majority intend to worship, a.l shadaqoh for both children and wife, charity / donation, execute sacrificial worship / Hajj / Umrah. InsyaAllah blessings.

PENGALAMAN  MEMBANGUN  RUMAH FASSIVE INCOME PERTAMA

Oleh: Arip A.R.

Yakini, bahwa hidup ini sudah ada yang mengatur yaitu Allah SWT dzat pemelihara dan pengatur hidup, semua kita diberi potensi yang sama yaitu satu hari 24 jam, satu bulan 30 atau 31 hari, satu tahun 365 hari, tinggal bagaimana memanfaatkan potensi tersebut. Masalahnya kita tidak tahu seberapa jatah rezeki yang diberikan Allah, Seberapa jumlah ayat al-Quran yang diberikan Allah untuk bisa dihapal dan diamalkan, apakah kita akan mendapat warisan surga atau malah sebaliknya berupa warisan  neraka?. Ini tantangan bagi kita, karena jatah dirahasiakan Allah maka perlu upaya yang optimal, hikmahnya tentu kita bisa melihat, ada yang dengan mudah memperoleh titipan rezeki ada yang memang tertatih-tatih untuk memperolehnya, namun demikian tetap saja kita perlu mengupayakannya, bisa jadi kita akan diberikan kemudahan setelah kesulitan.

Upaya yang bisa kita lakuan antara lain memohon kepada Allah, lakukan action untuk menggapai  tujuan tersebut. Alhamdulillah saya punya sedikit pengalaman yang mungkin bisa bermanfaat.

Sekitar 9 atau 10 tahun yang lalu, saya sangat  ingin memiliki penghasilan tambahan dalam rangka memperolah biaya untuk menyekolahkan anak di sekolah dengan kurikulum yang lebih baik. Rasanya jalan itu benar-benar pertolongan Allah SWT.

Suatu pagi kawan saya memohon bantuan untuk menyelesaikan proposal pembangunan mesjid yang akan dibangun di lingkungan tempat tinggalnya. Sambil menyelesaikan  proposal tersebut, kawan yang satu ini berujar kepada saya, ini “mah” pekerjaan dari Allah maka Allah yang akan meberi upahnya. Dia cerita bagaimana  upah bagi orang  yang memfasilitasi pembangunan mesjid, pengalaman dia Allah tak segan-segan tokcer membalasnya. Mau percaya atau tidak? Saya mah percaya itu. Kawan saya semangat menyampaikannya.

Dengan izin Allah setelah ucapan itu keluar dari mulut kawan saya, telepon berdering, dan menanyakan nama saya. Eh yang nelpon bibi saya – apa coba tebak  yang diberitakan bibi saya. Langsung saja ... bibi saya  diseberang sana menyampaikan: “Ang, bibi  baru saja ditawari tanah. Bibi tidak punya uang. Sayang ang tempatnya  meskipun di gang tapi itu dilingkungan kampus”. Jawab saya,  ah  dari mana saya punya uang. Tapi nanti saya diskusikan dulu dengan isteri.

Singkat cerita saya diskusi dengan isteri. Ia memaklumi dan memahami apa yang saya maksudkan. Jadilah  action yang isteri saya lakukan adalah perhiasan  yang dia miliki ia jual. Terkumpulah sejumlah uang dengan tambahan sana sini, akhirnya jadilah saya memiliki lahan seluas kl 75 m2. Setelah lahan terbeli saya bingung bagaimana  membangunnnya.  Bibi memberi masukan agar di pondasi dulu saja. Cari modal sini dan sana, akhirnya bisa juga dipondasi. Eh dengan ijin Allah kok ada saja jalan untuk mendapat modal. Lantas setelah selesai dipondasi, saya serahkan untuk gambar serta bangunan untuk diurus bibiku yang baik hati. Jadilah gambar yang optimal untuk satu lantai bagunan terdiri dari 5 kamar kos, 1 tempat/ruangan  penyimpanan motor,  satu kamar mandi dan satu ruangan untuk masak, kebayang bagaimana  bibi saya sangat mahir merencanakan ruangan sehingga penggunaan lahan secara optimal. Dalam jangka waktu dua bulan lebih bangunan satu lantai selesai  plus dengan dak untuk rencana lantai 2. Ah senengnya, dan saya merasakan kok tidak cape membangun rumah “teh”, wong yang ngurusnya bibi, dari pembelian bahan sampai tukang, menyiapkan konsumsi dsb. Inilah karunia Allah sebagaimana ungkapan kawan saya di atas, betapa bagi Allah hal ini sangat mudah. Tahu-tahu kamar langsung terisi penuh, dan jadilah pasive income pertamaku diterima, jadilah uang tersebut sebagai uang iuran sekolah putriku untuk satu tahun. Tak terasa anak pertamaku saat ini  sudah mulai masuk kuliah, anak kedua kelas 9 dan ketiga kelas 7 disebuah lembaga pendidikan  pesantren. Satu lagi Allah memberi karunia berupa kelahiran putri keempat. Aku sangat bersyukur atas kehadirannya. Allah maha besar, Allah maha pemelihara.

Pelajaran/hikmah  yang  bisa diambil dari perjalanan hidup tersebut,

1.    Janganlah berkecil hati dengan keadaan sekarang sesulit apapun hidup tentu ada jalan keluarnya

2.    Sering kita katakan ketika akan berusaha, ah aku kan tidak ada modal, mana bisa aku bisa membangun usaha. Ketahuilah, kita hanya diminta untuk melakukan proses hidup Allah yang menentukan. Bingung cari kesibukan/kerja? Ada  puluhan masjid di lingkungan kita, ada ratusan meter  jalan lingkungan di sekitar kita. Gunakan energi yang ada pada kita untuk bisa bermanfaat, jadilah pembantu Allah dengan membersihkan masjid secara rutin di tempat tinggalmu, jadilah orang yang senang memfasilitasi keberadaan masjid, jadilah bagian dari jamaah mesjid, jadilah pembersih jalan lingkungan, dan banyak lagi aktivitas yang bisa dilakukan. Ketahuilah Sang pemilik Rezeki tidaklah buta, dia yang akan menuntun kita kepada akses modal, dia yang akan menuntuk kita pada kegiatan yang produktif.

3.    Kita sering berpikir, untuk menggapai goal tertentu, kita terlalu fokus pada substansi  materi yang  kita inginkan sehingga kita lupa pada sang pemilik fasilitas.  Padahal  ada strategi lain yang kasat mata atau sepertinya diluar nalar kita yang bisa kita lakukan. Ingin rumah? Maka jalankan strategi dengan ikut membangun rumah Allah, memelihara rumah Allah. InsyaAllah Allah mudahkan kita untuk memiliki rumah,  ingin beribadah haji? Pelajari ilmunya, doakan orang yang berangkat juga mohon doa ybs. Agar kita bisa menyusul di tahun depan, insyaallah Allah akan memberi kemudahan.  Sambil tentu berupaya menabung sedikit demi sedikit. Dan tentu kita bisa memberikan contoh lebih banyak lagi.

PENGALAMAN MEMBANGUN passive INCOME DARI PROPERTI

Oleh: Arip A.R.

Setiap orang sangat mendambakan adanya tambahan penghasilan yang kian waktu jumlahnya bertambah. Meskipun kita tidak lagi bekerja alias pensiun, tapi penghasilan tetap mengalir. Banyak cara dilakukan orang. Dalam hal ini saya ingin berbagi pengalaman mudah-mudahan bermanfaat untuk yang lain. Terutama untuk para bujang yang akan melangsungkan pernikahan.

Di awal kita membangun rumah tangga dengan mempersunting isteri pujaan hati, tentu yang terpikir pertama kali salah satunya bagaimana menyiapkan rumah sendiri sehingga nyaman ditempati oleh keluarga kecil. Tak masalah rumah sederhana. Itu  juga yang saya lakukan pertama kali, rumah yang didapat dari fasilitas KPR tipe RSSS (rumah sangat sederhana sekali),  satu kamar tidur, 1 ruang tamu dan 1 kamar mandi belum ada dapur. Namun demikian betapa bahagianya ketika memperoleh properti pertama tersebut. Masalah berikutnya bagaimana menyiapkan dapur memagar rumah sementara modal terbatas kalau tidak mau dibilang tidak ada modal sama sekali. Saya teringat sebagai CPNS dengan gaji 80% waktu itu, saya memperoleh tambahan  rejeki  berupa bapetarum/bantuan uang muka rumah sekitar Rp 800 ribu. Saya berpikir,  jumlah ini cukup untuk apa? Dibelikan bahan material rasanya kurang apalagi harus dengan tukang. Tapi dengan kenyataan tersebut saya berupaya berpikir keras. Dengan jumlah  uang segitu, saya bertekad untuk bisa membangun sisa tanah di belakang rumah. Saya pikir - kenapa tidak -  saya bisa belajar menjadi tukang amatiran, gali pondasi sendiri, pasang batu sendiri,  dst. Jadilah saya merealisasikan ide tersebut. Terasa semangat untuk melakukannya wong ini tempat tinggal saya sendiri.

Batu pondasi saya ambil sendiri dari kali yang jaraknya relatif dekat dengan komplekku, jadi tidak perlu beli. Besi untuk slup saya beli dari tukang rongsokan sehingga harganya murah. Jika dipikir sekarang rasanya geli, ada beberapa tukang yang menawarkan untuk membantu pekerjaan. Namun  apa daya upahnya tidak ada. Jadi ceritanya jalan sendiri, sebelum  berangkat ke kantor atau pulang kantor atau pada hari Sabtu dan Minggu, saya secara bertahap (istilah basa sunda  ngarinyuh. membangun rumah seperti binatang rayap) benar-benar saya jalankan. Meskipun pekerjaan amatir hasilnya tidak serapi buatan tukang -  saya dapat menyelesaikan secara bertahap. Dan akhirnya memang selesai meski memerlukan waktu berbulan-bulan. Sebagai catatan saat ini rumah tersebut sudah saya kontrakan  kepada yang membutuhkan, tidak terasa saya sudah mengontrakan rumah tersebut  selama 5 tahun lebih.

Dari pengalaman tersebut, Alhamdulillah  ada banyak pelajaran yang bisa diperoleh:

1.    Untuk mewujudkan keinginan maka jangan sungkan untuk menikmati prosesnya. Nikmati menggali pondasi, nikmati mengangkut batu, dsb.

2.    Dengan terjun langsung, maka kita memperoleh keterampilan secara otodidak

3.    Ide berikutnya, saya tak akan memugar apa yang telah saya bangun. Tapi jikapun ada rezeki, maka saya akan membangun yang baru di tempat lain. Yang sudah ada sebaiknya di kontrakan/disewakan saja.

4.    Kita mungkin berpikir, bagaimana cara secepatnya melunasi KPR, itu juga yang saya pikirkan di awal. Tapi dengan pengalaman dan perjalanan jadi sebaliknya, apabila ada kesempatan untuk men top up (menaikan plapon) KPR - saya ambil kesempatan itu. Kelebihannya saya belikan lahan yang lain, jika mungkin bisa dibangun secepatnya. Bangunlah dan sewakan. Jika tidak, tunggu sampai bisa top up KPR di  tahun berikutnya, sambil kembali keproses yang tadi saya utarakan, secara bertahap, setiap hari sabtu dan minggu, saya bermain golf tradisional alias nyangkul untuk pondasi bangunan,  yang ada dibenak saya, nanti lahan ini akan menjadi rumah yang bisa menghasilkan sewa rumah. Hasilnya? Kita bisa mengisi waktu dengan hal yang produktif. Harapannya tambah tahun - rasio kewajiban berupa cicilan ke Bank akan semakin kecil dibandingkan dengan hasil sewa dari properti. Istilah saya bayar KPR adalah menabung paksa, yang cicilannya sebagian dibayar oleh penyewa properti.

5.    Cobalah menabung, berapapun besarnya tak masalah mau seratus, dua ratus ribu per bulan tak masalah. Suatu saat akan merasakan manfaatnya. Uang yang terkumpul tersebut akan menjadi triger atau sebagai penunjang bagi kegiatan usaha berikutnya. Contoh ketika kita punya kesempatan untuk bisa membeli lahan  namun kurang untuk menyelesaikan surat-surat seperti akta jual beli, maka akan terasa sangat menolong apabila ada tabungan tersebut. Tentu banyak contoh lainnya.

6.    Berinvestasilah meskipun nilainya tak seberapa. Contoh  ketika kita baru mampu membeli satu kol pasir, satu sak semen, belilah. Belajarlah nembok sendiri. Bisa jadi tak serapi buatan tukang. Namun percayalah hal kecil inilah yang akan mengawali perubahan nasib. 

7.    Bagi yang baru membangun rumah, mungkin berpikir, saya harus menyiapkan material baru, seperti batu bata, genting dsb. untuk menyelesaikan bangunan. Ketahuilah banyak bahan yang kita bisa gunakan bahkan bisa diperolah secara gratis. Pengalaman saya yang terakhir/saat ini. Saya memanfaatkan bata bongkaran, material brangkal untuk bahan dinding rumah pengganti batu bata (cara pemasangan lihat di google) jadi biaya untuk batu bata gratis, cuma memerlukan biaya untuk ongkos angkut. Untuk bangunan rumah satu tingkat, anda bisa menggunakan bambu sebagai salah satu material pengganti besi sloop. Jadi pembangunan rumah bisa memangkas anggaran 40 sampai 50%. Wow luarr biasa.

8.    Hasil yang kita peroleh, jangan  lupa niatkan sebagian untuk beribadah, a.l shadaqoh untuk  keperluan anak dan  isteri, zakat/infak, laksanakan ibadah qurban/haji/umroh. Insyaallah  barakah.