{"id":2456,"date":"2021-11-02T07:53:29","date_gmt":"2021-11-02T07:53:29","guid":{"rendered":"https:\/\/people.utm.my\/nizamray\/?p=2456"},"modified":"2021-11-02T07:53:33","modified_gmt":"2021-11-02T07:53:33","slug":"tak-ada-duit-susah-tak-ada-pahala-payah","status":"publish","type":"post","link":"https:\/\/people.utm.my\/nizamray\/2021\/11\/02\/tak-ada-duit-susah-tak-ada-pahala-payah\/","title":{"rendered":"TAK ADA DUIT SUSAH TAK ADA PAHALA PAYAH"},"content":{"rendered":"\n<p>Bagi yang masih tercari-cari nak buat simpanan apa tahun ini, anda boleh mula dengan buat simpanan kecemasan dulu.<\/p>\n\n\n\n<p>Kata pakar kewangan, minimum simpanan kecemasan adalah 3 bulan gaji.<\/p>\n\n\n\n<p>Andai kata gaji kita RM3,000, jadi simpanan kecemasan kita sepatutnya RM9,000.<\/p>\n\n\n\n<p>Inilah kita guna kalau ada perkara cemas berlaku tanpa kita duga.<\/p>\n\n\n\n<p>Contoh tiba-tiba kita sakit, kereta rosak, atau diberhentikan kerja.<\/p>\n\n\n\n<p>Simpanan kecemasan ni boleh letak dalam ASB atau Tabung Haji supaya tak terlalu mudah dan tak terlalu susah untuk dikeluarkan.<\/p>\n\n\n\n<p>Cuma kalau tak mampu menahan nafsu terbelanja, boleh tukarkan dalam bentuk emas.<\/p>\n\n\n\n<p>Lagi pun emas pun duit tunai juga.<\/p>\n\n\n\n<p>Bila perlu cash, kita boleh pajak atau jual saja dan dapat duit on the spot.<\/p>\n\n\n\n<p>Saya doakan kita semua berjaya ada simpanan kecemasan.<\/p>\n\n\n\n<p>Kat dunia ni, tak ada duit keluarga kita jadi susah.<br>Kat akhirat, tak ada pahala kita jadi payah<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"993\" height=\"1024\" src=\"https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2021\/11\/emas-2-3-993x1024.jpg\" alt=\"\" class=\"wp-image-2458\" srcset=\"https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2021\/11\/emas-2-3-993x1024.jpg 993w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2021\/11\/emas-2-3-291x300.jpg 291w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2021\/11\/emas-2-3-768x792.jpg 768w, https:\/\/people.utm.my\/nizamray\/wp-content\/uploads\/sites\/1087\/2021\/11\/emas-2-3.jpg 1241w\" sizes=\"auto, (max-width: 993px) 100vw, 993px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Bagi yang masih tercari-cari nak buat simpanan apa tahun ini, anda boleh mula dengan buat simpanan kecemasan dulu. Kata pakar kewangan, minimum simpanan kecemasan adalah 3 bulan gaji. Andai kata gaji kita RM3,000, jadi simpanan kecemasan kita sepatutnya RM9,000. Inilah kita guna kalau ada perkara cemas berlaku tanpa kita duga. Contoh tiba-tiba kita sakit, kereta [&hellip;]<\/p>\n","protected":false},"author":663,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-2456","post","type-post","status-publish","format-standard","hentry","category-emas","entry"],"_links":{"self":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/2456","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/users\/663"}],"replies":[{"embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/comments?post=2456"}],"version-history":[{"count":1,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/2456\/revisions"}],"predecessor-version":[{"id":2460,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/2456\/revisions\/2460"}],"wp:attachment":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/media?parent=2456"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/categories?post=2456"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/tags?post=2456"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}