{"id":509,"date":"2021-06-06T11:32:50","date_gmt":"2021-06-06T03:32:50","guid":{"rendered":"https:\/\/www.zulhairiseman.net\/blog\/?p=509"},"modified":"2025-03-21T12:08:09","modified_gmt":"2025-03-21T04:08:09","slug":"baki-rm376124-09","status":"publish","type":"post","link":"https:\/\/www.zulhairiseman.net\/blog\/baki-rm376124-09\/","title":{"rendered":"Baki RM376,124.09"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Bismillah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada 1\/4\/2015, hutang baki aku adalah sebanyak RM35,201.63. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Boleh baca semula di sini. <a href=\"https:\/\/www.zulhairiseman.net\/blog\/baki-rm35201-63\/\">[KLIK SINI]<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Waktu itu aku masih bujang dan cuma ada hutang PTPTN.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setelah 6 tahun 2 bulan berlalu, kini 6\/6\/2021, baki hutang terkumpul aku dan isteri adalah sebanyak RM376,124.09.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun kini, Alhamdulilah, hutang PTPTN aku dah selesai pada 2\/12\/2018 dengan baki ketika itu RM24,591.63. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Macam mana aku dapat selesaikan hutang tersebut? Adalah dengan cara gali lubang tutup lubang. Hahaha.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kalau ikut perancangan kewangan waktu itu, sepatutnya aku dan isteri boleh buat simpanan bulanan adalah sebanyak RM1,000 sebulan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun apakan daya, perlaksanaan tidak seindah perancangan. Hahaha.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tahun 2021 ini baru aku nak perbaiki semula perancangan kewangan kami sekeluarga. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jauh lagi perjalanan untuk capai simpanan kecemasan 3 bulan gaji, apatah lagi 6 bulan gaji. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tidak mengapa, kita mulakan kembali perlahan-lahan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mohon doakan kami agar dapat capai simpanan 3 bulan &#8211; 6 bulan gaji secepat yang mungkin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sekian.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zulhairi Seman<br>Penambah Hutang Berjaya<br>6\/6\/2021 @ 11:13 Pagi<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bismillah. Pada 1\/4\/2015, hutang baki aku adalah sebanyak RM35,201.63. Boleh baca semula di sini. [KLIK SINI] Waktu itu aku masih bujang dan cuma ada hutang PTPTN. Setelah 6 tahun 2 bulan berlalu, kini 6\/6\/2021, baki hutang terkumpul aku dan isteri adalah sebanyak RM376,124.09. Namun kini, Alhamdulilah, hutang PTPTN aku dah selesai pada 2\/12\/2018 dengan baki<span class=\"continue-reading\"> [<a href=\"https:\/\/www.zulhairiseman.net\/blog\/baki-rm376124-09\/\">&#8230;..<\/a>]<\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-509","post","type-post","status-publish","format-standard","hentry","category-diari-hati"],"_links":{"self":[{"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/posts\/509","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/comments?post=509"}],"version-history":[{"count":10,"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/posts\/509\/revisions"}],"predecessor-version":[{"id":520,"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/posts\/509\/revisions\/520"}],"wp:attachment":[{"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/media?parent=509"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/categories?post=509"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zulhairiseman.net\/blog\/wp-json\/wp\/v2\/tags?post=509"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}