{"id":4616,"date":"2022-03-09T06:25:30","date_gmt":"2022-03-09T06:25:30","guid":{"rendered":"https:\/\/people.utm.my\/nizamray\/?p=4616"},"modified":"2022-03-09T06:25:34","modified_gmt":"2022-03-09T06:25:34","slug":"%f0%9d%90%8c%f0%9d%90%84%f0%9d%90%8d%f0%9d%90%98%f0%9d%90%88%f0%9d%90%8c%f0%9d%90%8f%f0%9d%90%80%f0%9d%90%8d%f0%9d%90%89%f0%9d%90%80%f0%9d%90%8d%f0%9d%90%86%f0%9d%90%80%f0%9d%90%8d-%f0%9d%90%93","status":"publish","type":"post","link":"https:\/\/people.utm.my\/nizamray\/2022\/03\/09\/%f0%9d%90%8c%f0%9d%90%84%f0%9d%90%8d%f0%9d%90%98%f0%9d%90%88%f0%9d%90%8c%f0%9d%90%8f%f0%9d%90%80%f0%9d%90%8d%f0%9d%90%89%f0%9d%90%80%f0%9d%90%8d%f0%9d%90%86%f0%9d%90%80%f0%9d%90%8d-%f0%9d%90%93\/","title":{"rendered":"?????????,?????? ?????? ???? ?????"},"content":{"rendered":"\n

Kesilapan banyak orang bila nak menyimpan ialah nak tunggu ada “duit lebih”.<\/p>\n\n\n\n

Itu kesilapan yang besar!<\/p>\n\n\n\n

Kalau nak tunggu duit lebih, sampai bila-bila pun tak akan ada duit lebih.<\/p>\n\n\n\n

Hatta kalau gaji meningkat pun, tetap tak akan ada duit “duit lebih” yang diharapkan tu.<\/p>\n\n\n\n

Ia bukan sahaja disebabkan kenaikan harga barang, tapi juga kenaikan keinginan kita untuk berbelanja.<\/p>\n\n\n\n

Bila pendapatan meningkat, maka keinginan kita turut sama meningkat! Kita akan cari 1001 alasan kenapa kita patut berbelanja, membeli itu dan ini.<\/p>\n\n\n\n

Kita cenderung membuat keputusan dengan emosi, kemudian kita akan justifikasikannya dengan logik.<\/p>\n\n\n\n

Jadi formula yang betul untuk menyimpan ialah PAKSA.<\/p>\n\n\n\n

Setiap kali dapat gaji, paksa diri menyimpan sebahagian daripada pendapatan. Selebihnya barulah dibelanjakan.<\/p>\n\n\n\n

Formula ini memang sudah proven.<\/p>\n\n\n\n

Buktinya, kerana adanya simpanan paksa dalam KWSP, setiap orang bekerja di Malaysia ada simpanan untuk hari tua, dan ada simpanan untuk dijadikan deposit membeli rumah pertama dan kedua…<\/p>\n\n\n\n

Formulanya ialah PAKSA!<\/p>\n\n\n\n

Bukan tunggu duit lebih.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Kesilapan banyak orang bila nak menyimpan ialah nak tunggu ada “duit lebih”. Itu kesilapan yang besar! Kalau nak tunggu duit lebih, sampai bila-bila pun tak akan ada duit lebih. Hatta kalau gaji meningkat pun, tetap tak akan ada duit “duit lebih” yang diharapkan tu. Ia bukan sahaja disebabkan kenaikan harga barang, tapi juga kenaikan keinginan […]<\/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-4616","post","type-post","status-publish","format-standard","hentry","category-emas","entry"],"_links":{"self":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/4616","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=4616"}],"version-history":[{"count":1,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/4616\/revisions"}],"predecessor-version":[{"id":4618,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/posts\/4616\/revisions\/4618"}],"wp:attachment":[{"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/media?parent=4616"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/categories?post=4616"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/people.utm.my\/nizamray\/wp-json\/wp\/v2\/tags?post=4616"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}