Salam to all,
Dear all, l have always reminded my students saving from the moment you have a ringgit in your pocket! Especially, when your loan has been credited into your saving account. Allocate at least 10% of the balance for the saving, just for emergency and when it is useful when you are about to start making a repayment,ehem ehem..!
Well, the sad fact is that being a student you have incurred liability upon your study loan. No one is in the better position to settle it except YOU!
Do not be tempted to have credit card, it it better not to have it.We cannot trust our own desire!
Another good way about money is learn not to know how to spend it!Do not buy top up just to vote your ideal singer. You make their life richer and NOT you!They do not even recognize you unless they are your relative or friend. Other than saying thank you you hear on tv or read in the magazines, do not believe their words! That's will make your mind focus to excel in your career and ingore unnessary matters.
Remember, debt free is the most happinest life in this world. We owe to no one including the banks!
Till then, best wishes!
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