{"id":97389,"date":"2021-08-09T22:26:29","date_gmt":"2021-08-09T14:26:29","guid":{"rendered":"https:\/\/www.grab.com\/my\/?p=97389"},"modified":"2021-10-12T12:11:24","modified_gmt":"2021-10-12T04:11:24","slug":"tabiat-kewangan-yang-baik","status":"publish","type":"post","link":"https:\/\/www.grab.com\/my\/blog\/driver\/tabiat-kewangan-yang-baik\/","title":{"rendered":"Tabiat kewangan yang baik untuk berhadapan waktu sukar"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"97389\" class=\"elementor elementor-97389\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2918439 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2918439\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-97043a6\" data-id=\"97043a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01f6c17 elementor-widget elementor-widget-text-editor\" data-id=\"01f6c17\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a style=\"background-color: #ffffff\" href=\"https:\/\/www.grab.com\/my\/blog\/driver\/good-financial-habits-to-get-you-through-tough-times\/\"><span style=\"color: #0000ff\"><span style=\"font-size: 13.3333px\">Click here for English version<\/span><\/span><\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ef65d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ef65d1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5453289\" data-id=\"5453289\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8344539 elementor-widget elementor-widget-text-editor\" data-id=\"8344539\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #00b14f;font-size: 18.6667px;font-weight: bold\">1. Buat Bajet Perbelanjaan Anda<\/span><\/p><p>Setiap orang memerlukan bajet, tidak kira pendapatan mereka. Senaraikan perbelajaan penting anda, seperti pembayaran sewa atau pinjaman anda, bil eletrik, dan bahan makanan. Kemudian, sertakan sekali dengan langganan yang lain. Setelah kesemuanya disenaraikan, anda boleh mula untuk mengurangkan barang-barang yang mungkin tidak penting.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-689cc97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"689cc97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e037aa1\" data-id=\"e037aa1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6faf4fc elementor-widget elementor-widget-text-editor\" data-id=\"6faf4fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #00b14f;font-size: 18.6667px;font-weight: bold\">2. Elakkan Pembelian Impuls (tidak dirancang)<\/span><\/p><p>Anda harus merancang dan hanya membeli apa yang anda perlukan. Buat masa ini, adalah lebih penting untuk menjimatkan setiap ringgit kerana apabila berjimat, anda juga memperoleh balik wang ringgit.\u00a0<\/p><p>Buat senarai semak barang yang boleh menjadi keperluan atau kehendak untuk keperluan rumah anda. Dengan berbuat demikian, anda mempunyai senarai keutamaan barang keperluan yang anda perlukan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b1d5d1e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b1d5d1e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-89090b0\" data-id=\"89090b0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec1ac7a elementor-widget elementor-widget-text-editor\" data-id=\"ec1ac7a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: justify\"><span style=\"color: #00b14f;font-size: 18.6667px;font-weight: bold\">3. Bayar Bil Anda Lebih Awal<\/span><\/p><div>Apabila anda membayar bil lebih awal, anda mengelak risiko daripada membayar lewat seterusnya dikenakan caj lebihan ataupun paling dashyat, diberi notis pemotongan.\u00a0<\/div><div>\u00a0<\/div><div>Membayar bil lewat menjejaskan skor kredit anda. Memiliki skor kredit yang tinggi dianggap baik untuk mendapatkan pinjaman daripada bank ataupun institusi kewangan yang lain.<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5adda5a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5adda5a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d41a59c\" data-id=\"d41a59c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b1d110 elementor-widget elementor-widget-text-editor\" data-id=\"0b1d110\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: justify\"><span style=\"color: #00b14f;font-size: 18.6667px;font-weight: bold\">3. Bayar Bil Anda Lebih Awal<\/span><\/p><div>Apabila anda membayar bil lebih awal, anda mengelak risiko untuk lupa bayar lewat seterusnya dikenakan caj lewat ataupun paling dashyat, diberi notis pemotongan.<\/div><div>\u00a0<\/div><div>Membayar bil lewat menjejaskan skor kredit anda. Memiliki skor kredit yang tinggi dianggap baik bagi kebanyakan bank dan pemberi pinjaman.<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ed2df78 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ed2df78\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fb47ecd\" data-id=\"fb47ecd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2677686 elementor-widget elementor-widget-spacer\" data-id=\"2677686\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f3ec145 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f3ec145\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6080273\" data-id=\"6080273\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd50e2d elementor-widget elementor-widget-text-editor\" data-id=\"fd50e2d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: justify\"><span style=\"color: #00b14f;font-size: 18.6667px;font-weight: bold\">4. Nikmati Pembayaran yang Fleksibel<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-751f4ce elementor-widget elementor-widget-image\" data-id=\"751f4ce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"27\" src=\"https:\/\/assets.grab.com\/wp-content\/uploads\/sites\/8\/2021\/08\/09212456\/2_PayLater_logo.png\" class=\"attachment-thumbnail size-thumbnail wp-image-97392\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a3084b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a3084b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f2eb81\" data-id=\"5f2eb81\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c10118f elementor-widget elementor-widget-text-editor\" data-id=\"c10118f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Melakukan pembelian bijak menggunakan kaedah ini memberikan pelbagai faedah seperti potongan rebat dan diskaun yang disediakan oleh platform atau rakan niaga. Ia menawarkan pembayaran yang fleksibel tanpa faedah, tanpa kos pendahuluan, dan tanpa fi selagi anda membayar tepat pada masanya.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9cd5fc3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9cd5fc3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27e136f\" data-id=\"27e136f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d5be1a elementor-widget elementor-widget-text-editor\" data-id=\"6d5be1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #00b14f;font-size: 18.6667px;font-weight: bold;text-align: justify\">5. Bersedia untuk Segala Kemungkinan\u00a0<\/span><\/p><p>Manfaatkan peluang keemasan ini untuk menikmati insentif bersubsidi daripada kerajaan di bawah program <strong>PenjanaGig oleh Perkeso\u00a0<\/strong>untuk melindungi anda semasa membuat tugasan penghantaran ataupun menghantar penumpang. Ingin ketahui lebih lanjut? <a href=\"https:\/\/www.grab.com\/my\/blog\/driver\/car\/perkeso-spslindung-2w\">Tekan sini<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8b75438 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b75438\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b96e38b\" data-id=\"b96e38b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74b77a8 elementor-widget elementor-widget-text-editor\" data-id=\"74b77a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: justify\"><span style=\"color: #00b14f;font-size: 18.6667px;font-weight: bold\">6. Cari Tawaran Terbaik<\/span><\/p><p>Membeli secara pukal dapat menjimatkan wang anda, sama ada barang keperluan yang anda dan keluarga anda kerap gunakan seperti ubat gigi, gel mandian dll.<\/p><p>Nantikan juga jualan promosi bulanan (8.8, 9.9, 10.10, 11.11, 12.12). Pengguna yang bijak juga akan menggabungkannya dengan baucar lain.\u00a0<\/p><p>Adakah anda sudah bersedia untuk menjana ringgit anda?<\/p><div><span style=\"color: #00b14f;font-size: 18.6667px;font-weight: bold\">\u00a0<\/span><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5aed28d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5aed28d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d133c09\" data-id=\"d133c09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d59ac2 elementor-widget elementor-widget-spacer\" data-id=\"9d59ac2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b398e52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b398e52\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f210adc\" data-id=\"f210adc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a25f59c elementor-widget elementor-widget-text-editor\" data-id=\"a25f59c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><em style=\"color: #555555;font-size: 14.6667px\">Sila harap maklum bahawa semua ahli komuniti Grab diwajibkan untuk mematuhi\u00a0<a href=\"https:\/\/www.grab.com\/my\/terms-policies\/code-of-conduct-driver-bm\/\">Kod Tatalaku<\/a>\u00a0dan\u00a0<a href=\"https:\/\/www.grab.com\/my\/terms-policies\/transport-delivery-logistics\/\">Terma &amp; Syarat Perkhidmatan<\/a><\/em><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"Click here for English version 1. Buat Bajet Perbelanjaan Anda Setiap orang memerlukan bajet, tidak kira pendapatan mereka. Senaraikan perbelajaan penting anda, seperti pembayaran sewa atau pinjaman anda, bil eletrik, dan bahan makanan. Kemudian, sertakan sekali dengan langganan yang lain. Setelah kesemuanya disenaraikan, anda boleh mula untuk mengurangkan barang-barang yang mungkin tidak penting. 2. Elakkan [&hellip;]","protected":false},"author":1144,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21,3],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/posts\/97389"}],"collection":[{"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/users\/1144"}],"replies":[{"embeddable":true,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/comments?post=97389"}],"version-history":[{"count":37,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/posts\/97389\/revisions"}],"predecessor-version":[{"id":104210,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/posts\/97389\/revisions\/104210"}],"wp:attachment":[{"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/media?parent=97389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/categories?post=97389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.grab.com\/my\/wp-json\/wp\/v2\/tags?post=97389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}