Hutang oh hutang...

Slm.. 

Hey readers

Okay..I want to ask you guys. Have you ever involved in making loans? Xkire la ntuk kegunaan sndiri@ ntuk blaja@ ntuk bli kete@ ntuk beli umah@ntuk wat-tambang-gi-jumpe- buayapren-korang-yang-hensem-lagi-gojes@ ntuk pape je la…haaaa…..mesti ade kan?kan?

The truth is, I think all of these loans burden me. It was fun..at first…ye la…ko dpt pegang duit byk2 dlm tgn sbb xpenah seumur idup ko org bg duit byk tu n pastu mulela menggelepar nk tuka hp bru bila duit loan PTPTN masuk…SIYES! Itu adelah aku..haha… tapiiiiiiii…… (ade tapi nye….) bile tyme ko nk membayo nye blik…mule la rse dunie ni kecik sebesar tapak kaki baby n rase dah cm xckup oksigen da ko nk hirup sbb mcm byk sgt karbon monoksida (eRkk…?) kt persekitaran ko..YE! tu yg aku rase skg nih!

How I wish I made some savings out of the loans. tipu la klu aku ckp 2500 yg aku dpt tiap2 sem tu aku abeskn ntuk membeli makanan SAHAJA sewaktu diploma dulu (even though I love to eat as much as I can back then..)…coz aku jnis suke kua enjoy tiap2 ujung mggu pastu ujung bln mule ah tlpn pa&ma suh sponser..huhuhu… n then, rasekan penangan mau membayo RM 12,500 ngn duit sndiri…nth ble thn nk abes..

So,bile nk smbung  degree, aku mule la b’pk ngn bijak (bijak ler sgt…) dgn membuat loan MARA plk..ye lor…mn aku nk dpt 5K 1sem ntuk baya yuran? Len la klu aku anak Tan Sri@Dato’... Tu cite laen la plk kan…so, back to the point…bile dpt duit elaun tiap2 bln dr MARA..aku peruntukkan la sket ntuk baya PTPTN..so, rse kurang la sket beban d samping blh wt savings 50 hengget tiap2 bln kt Tabung Haji…tu pn sbb duk ngn fmly..klu x aku rse cm wt dip jgk lh..duit xckup..

So, bile agak2 nk abes da aku nye kontrak ngn MARA…p’kara yg lm menghantui diriku (cewah…) adui…nk cri mn plk la duit nk smbung baya PTPTN…dh la starting gaji ciput meleput aje…huhu..mn mau bli kete lgi…mau bg mk n ayh blnje lg..adeh…poning den poning……

And last 2@3 months, I received a call from HSBC bank offering the newest plan of credit cards. Which is quite expensive for me…ye la…nk kna byr RM 160 per year as some sort of annual fees…tp fees tu akan jadik free apabila ko ngn sesuke hati nye gi swipe2 kad itu dkt mn2 shopping complexes… When u swipe more.. You don’t have to pay the annual fees.. Sounds interesting? Hell yeah! But only for a short while.. ye lor.. kalu da swipe 5 6 juta kali sebulan…ko bayangkan la brp plak $$$ melayang nk bayo utang2 tu..laen la ko anak jutawan..ke ade sugar daddy…tepon je, mtk diorg bayo kan…but in my case, for sure la aku decline kan? Maybe it’s because I inherit my father’s attitude…xsuke nk berhutang byk2 ni…jap gi botak kepala nk byr lik…

But my cousin is a different story..she said that we should have the credit cards…senangkan idup, kate nye…mls aku nk berbahas la ngn dye kan..coz she can afford it..why not? But for me, it is actually a burden…sumpah smpai bile2 pn aku xkan pakai kad kredit..

So kesimpulannye, if you have enough cash, just buy anything that you like.. If you can’t afford it, try to be more thrifty (bkn kedekut ye kwn2 ).. Save up some of your earnings and target for the stuff that you wanted to buy.. And this too applies to anyone who loves to make loans from their friends and families.. Coz when u start making loans, it’s hard to pay them back…believe me! This is based on my experience..tp bkn aku la yg wat loan tu..experience org2 yg sgt2 dkat ngn aku..

Okay, that’s all for now…thanks for viewing my blog and spend your time reading this entry…klu rajin,komen la...hehe,,and see you again in next post…BYE!  ^_^