Hutang: Apa yang anda terlepas?

Umur saya tahun ini sudah hampir mencecah 30s. Mungkin bukan hampir mencecah, sudah mungkin. Hahaha..hakikat perempuan yang tidak mahu reveal their own age. Oh my! I dont understand this.

Debt. Hutang. Sesuatu yang dekat kerana kalau tidak kerana hutang, a lot I can do and achieve. Is it?

Tapi haritu dengar ceramah ustaz dengan segmen hadis di radio, kita tidak boleh guna perkataan KALAU (macam saya cakap tadi sebab itu menunjukkan saya tidak redha). Fine with that, I won't say what if, but u need to read this if you want to take any debt. Think first before you do!

Satu petang tu, saya tengah sapu luar rumah. Otak terus berkata,

saya dah umur 30 tahun, hutang tak surut-surut dan makin bertambah. What if I die today? Macam mana hutang tu. Mungkin itu jugak aku tak mati-mati lagi sebab Allah swt tak nak bawak hutang sampai ke mati.

What happened if I didn't take that cards last time? hurm.. no KALAU dear.. remember what Ustaz said about KALAU. Then my head start imagine what I can do and buy but in the same time I told myself  'Allah swt is teaching u to control ur nafsu and think before purchase, there must be something in it'. Macam tu jer, I motivated.

U kena faham, motivation wont last long. U need to always feed your motivation. Macam mana? Next time saya tulis lagi.

Adik-adik yg terbaca penulisan ini antara sengaja atau tak sengaja. When u decide to accept that call, what call? hahahha.. yang orang call u then offer u cards or yg booth bersepah sepah kat mall tu. U must have strong wills to control.

How to control? next time saya cerita. u also can blog and google yourself about this control issue. hahaha

Once u get the card - pastikan make ur self clear - apa u nak guna untuk card tu.

I know u will say it as emergency. Adik, kakak been there done that. Hati cakap emergency, bila nampak baju tu, saya cakap: kena beli nie, next time dah tak dapat harga nie.

So kena faham what is your urgency and emergency.

Then u kena list down apa barang u nak beli sekarang, bulan depan, tahun depan, lagi 5 tahun and so on. Bukan barang je, how about travel? Then u tengok balik ur budget my dear. Jujur saya cakap, saya tak pernah terfikir benda nie, until I read a book name 'Ada Apa Dengan RM?' penerbitan galeri ilmu. Yes, saya mungkin terlewat sebab saya dh bekerja for how many years and even married and have kids. That is why kita tak boleh guna KALAU, seolah olah kita tak dpt menerima ketentuan Ilahi. Lagipun terlalu banyak KALAU and it will make u demotivated. So life must move on, I start to plan my expenditure.

That is why your brain is amazing, take a bit of knowledge from that book and start a new and recover. Adik-adik yg baru nak survive and venture out, adik-adik nak lebih details, go and buy that book. Kalau nak swipe card (purchase) for knowledge, gi la swipe tu sebab this knowledge will do wonders if u take action. hahaha..

Now, apa jadi dah list down everything u nak beli dan buat.Use your brain, saya takde hak nak bagitahu which one is most important or so on. Tapi saya boleh bagi contoh:

Contoh 1:
Kalau u jenis kaki travel, u nak belanja secara bijak, bila ada matta fair or airline buat sale, grab that opportunity dengan ur card. U tanya saya bole guna saving? Boleh. tapi what if your saving masa tu tak cukup.

Contoh 2:
Kalau u nak kawen, mungkin ada unexpected sale or benda kena grab urgently. and in your mind, u nak guna saving tu bayar caterer or other thing. Pun bole guna card this time. Please ya, make sure betul2 benda tu berbaloi dan ade added value when u swipe. That is why saya cakap use your brain. Dont suddenly semua benda u nak swipe sebab contoh yg saya bagi.

Contoh 3:
Apabila u dah buat bajet, ops u lupa masukkan spending utk road tax or benda lain. Then u keep la ur cards until u need the most. Sometimes kereta rosak ke, unexpected things u need the most which call REAL EMERGENCY.

Faham kan? Itu sebab kena fikir sampai masa depan. Sebab tak nak bila dh sampai masa depan keluar list 'kalau'. Banyak benda u akan terlepas kalau u dont spend wisely. Sememangnya, perjalanan setiap orang tak sama. Ada yang kaya dengan mudah dan dalam usia yang sangat muda, dan sebaliknya. Bukan itu sahaja, perjalanan hidup masih panjang (InsyaAllah), pastikan persediaan cukup dan lebih

Kata akhir penulisan kali ini, saya tidak mahu adik adik terlepas peluang dalam kehidupan hanya disebabkan beban hutang. Saya jugak nak adik adik fikir dahulu sebelum berbelanja. Kalau adik nak hidup mewah, work for it, bukan dengan berhutang.

Spending doesnt take time, but to recover it takes time.