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0% installment tu takder la dikira utang walaupun kita di"ranta" oleh pembayaran ansuran se ...
medangmru Post at 31-3-2012 09:07 
yea,sy pun pkr mcmtu. Hubby so fkr betul2 &sy masih ada 4hr utk fkr,utang or cash!! Sbb sbtu ni nk g order dah sofa tu.
p/s - gigil gak tgn nk hulur duit tu, penat ikat perut selama setahun!! |
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Selagi tak da extra charge & juga 0% interest, no harm kalau bayar installment. Aku pun buat gitu bila beli treadmill hari tu. Ok what, ....since duit yg ada digunakan untuk generate more income... |
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Reply 22# pelicano
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salam semua.. x pasti sama ada bod no sesuai atau x... saya nk mtk pndpt kwn2 kat sini...
bercad ...
sun5670 Post at 28-3-2012 08:57 
bijak.....memang bijak!!
if its 0% installment & 0% processing fee, u shud go for it.
duit cash 5k sedelepuk tue, invest tpt lain to duplicate or multiply the money. beli IPO ker aper, misalnyer. utk low risk investor, paling tidak simpan ASB, ujong taon 5k akan beranak jadik 5.4k (assuming 8% div).
kalau bayar 5k cash, sofa dapat, duit habes.
kalau amek 0% installment, dan invest duit cash tue say dlm ASB, sofa dapat, duit bertambah. paling tidak additional RM400, saper mau kasik free free ???  |
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bijak.....memang bijak!!
if its 0% installment & 0% processing fee, u shud go for ...
tina^^ Post at 6-4-2012 05:43 PM
Good Point |
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Reply 24# tina^^
yea tina, sy mmg pikir mcmtu jgk..that y saya doubt nk serah cash tu kat org kdai (tp sofa nk hihihi), sblm ni pesen sy klu nk beli brg cth camera or fridge mmg menyimpan dulu.cash & carry.rasanya set sofa ni brg plg mahal yg sy nk beli setakat ni, syg duitttttt! |
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me pun even ader 1000 cash aritu nak wat beli aircond
saje jer beli 0% easy payment... hehe
sebab mana nak tau duit cash tu boleh pakai untuk generate income cam ASB
bayar easy payment baru brape puluh jer sebulan... so no harm sebab kte boleh bayar
kad kredit nie kalau kte disiplin i.e guna & bayar
ia akan membantu kte banyak hal & can be regards as a friend.. sebab dapat rebate cash lah, additional discount on purchase lah, priority lane lah dsb lg lah... hehe
but if we spent diluar kemampuan, tu yang fenin nak membayarnya... |
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me pun even ader 1000 cash aritu nak wat beli aircond
saje jer beli 0% easy payment... hehe
sebab ...
syaiful Post at 9-4-2012 09:10
yezzarr btol tue...
the rich, invest.
the poor, consume.
the rich ask why not?
the pook ask why me?? |
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Reply 28# tina^^
wow, falsafah membina kekayaan & attitude orang2 kaya...
tenks tina for sharing ur thought on these matter |
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| utang tetap utang, bile x rasa duit tu keluar mulala hati tu teringin nk berbelanja lg padahal 5K hutang x setel lg, |
H4dRi Post at 28-3-2012 13:16
tu sebab ramai orang muflis padahal masih muda. |
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pendapat saye kalau dh ade cash tu, beli je la cash.... x payah hutang2... kite bkn tau ape nk jd mase depan... selagi boleh elak hutang, elak kan lah... byk faedahnye.... hati senang, sume pn senang tanpe hutang.
suehanna821 Post at 30-3-2012 20:55
setuju sangat |
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kalau nak kira yang mana lebih untung, mesti la yang easy payment kalau tak ada apa2 caj terlindung yang kena bayar.
tapi bila dah dapat credit card tu, jangan pulak selalu guna. nak lagi elok, lepas ni jangan guna langsung dah credit card tu. balik rumah potong dua terus. cukup 12 bulan, telefon bank bagitau nak cancel credit card tu. |
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Category: Belia & Informasi
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Author
Post time 3-4-2012 01:13 AM
