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@alifrizuwan9808
Жыл бұрын
Okay baby
@aemarx
Жыл бұрын
Saya rasa ramai yang silap faham, Pn Aznah ni tak pernah suruh pun korang pakai banyak CC. Cuma dia nak bagitau boleh je pakai banyak CC kalau ada ilmu cara nak manage CC tersebut.
@aznahabas242
Жыл бұрын
Thanks lerr sbb paham 😊
@nabilahsairi9495
Жыл бұрын
Podcast kalini byk yg out of the box, POV financial spend org T20, tapi utk yg among B40, M40 yg bergaji, dah tahu tiap² bulan berapa byk duit masuk better refer financial advice/suggestions FF😅
@benfromlabuan
Жыл бұрын
Sebab Aznah lah saya apply credit card satu lagi and solved my cashflow problem with my side business, I didnt know that credit card were so useful in many ways before watching her TikTok videos, daripada I pinjam2 org dan menyusahkan org lain, baik I pinjam dgn bank and pay back on time with 0% interest. 👌🏻
@aznahabas242
Жыл бұрын
Thanks for the kind words😊
@viralloger267
Жыл бұрын
@@aznahabas242true. If u know how to use. For exaample if kita spend fb ads ataupun beli stocks for our busines this month lepas tu dpt untung next month byr kt bank. Mmg heaven
@ramenazul
Жыл бұрын
1 in a billion
@fungwan2360
Жыл бұрын
Same
@mikkchannel7996
11 ай бұрын
Pemikiran kita sama "pnjm dgn duit gaji bulan depan, daripada pnjm kat org skliling dan menyusahakn org"... Yg tidak sma pendapatan kita,basic saya 1500 je tk lepas kot 🥲🥲🥲😂😂
@davidwong125
Жыл бұрын
She is quite aggresive in terms of using debts lol but its ok at least we can learn something from her in another point of view.
@FinancialFaiz
Жыл бұрын
Yes. Thats why we invite people so that we can get different perspectives on things. Im a bit conservative others will be different
Bagi aku credit card adalah intrument kewangan yg terbaik pernah wujud. Siapa yg nak bagi pinjaman tanpa interest selama 45 hari tanpa interest. Cuma sepatutnya remaja seawal 15 thn dibenarkan ada cc sendiri dgn jaminan dr parents jika masih belajar.
@shafiqnurfaizzi355
Ай бұрын
Kalau nak ajar anak pakai CC, boleh bagi supplementry card kat anak.
@mizigk3748
Ай бұрын
@@shafiqnurfaizzi355 supplementry card tak membantu anak ada score credit utk diri sendiri, kalau kat negara luar kanak2 bawah umur boleh ada kredit card nama sendiri dgn jaminan parents sebab masih tak bekerja
@absolutereazon
Жыл бұрын
My concept. Cash is king. Debt is debt no matter what (bnpl, credit card,car loan, home loan). Cuma hidup sekarang debt adalah 'almost' tak dapat elak. Dave Ramsey punya concept, dia suka quote dari bible dia.. borrower is slave to the lender. For me, ikut Quran pon kita sentiasa jangan overspend.
@Dasani31
Жыл бұрын
CC kena ada jugak. Ada kegunaan dia. Saya pernah swipe debit card dekat airport toronto 2 kali decline. Bila balik malaysia, tengok account dia tolak duit. Report kat bank tak boleh buat apa sebab debit card. Kalau credit card kita dispute the transaction. Skrg saya pakai CC je. Debit tu macam buat acc bank kita terlalu expose.
@PassionPno
Жыл бұрын
Hello, kita perlu bina markah CCRIS. Kad Kredit tu Step 1 utk bina markah CCRIS.
@absolutereazon
Жыл бұрын
@@Dasani31 mana2 pon okay janji pandai guna... Lagi2 org mcm Robert kiyosaki menggalakkan loan dgn bank... Org mcm Ramsey di mazhab berbeza, pada saya Ramsey sesuai utk mrk yg tak boleh control spending dan sikap boros tinggi, jadi perlukan budget+saving... Manakala Robert pandai manipulasi kredit dan tax utk bina wealth asset melalui property...
@jeruklaici5040
11 ай бұрын
Bygkn rumag kene rompak tervakar adakah kay masih anggao cash is king
@fatinadrianabintimohdfirdausmo
11 ай бұрын
Tak kesah la nak kata Sy ni otak zaman kuno ke apa Tapi yess Sy mmg elak kan utk ada apa2 such as hutang cc , bnpl, spaylater, Shoppe pay what so ever because I need a peace of mind. Ada duit belanja, xde duit duk diam2 kt rumah.
@zakisahlani6101
Жыл бұрын
cc ni mcm pisau.. so,ikut la..ada jenis org nak potong sayur ,ayam utk mkn sndiri..ada jenis guna pisau tu utk buat kenduri satu kampung.. anyway, aku lebih suka cara yg conventional mcm sir faiz.. beli guna cc dgn duit apa yg ada dlm bank kita...nak guna loan cc pun utk epp je...
@TheDanghill
11 ай бұрын
Terima kasih Puan Aznah share cheat code pakai kredit kad. Sebelum ni pakai bayar petrol dengan groceries je. Banyak lagi benda boleh buat lagi rupanya. Terima kasih untuk ilmu yang bermanfaat Tuan Faiz & Puan Aznah.
@aznahabas242
11 ай бұрын
Ur welcome...actually bukan cheat code pun. It is there since the very inception. Masalah org kita ni suka momokkan benda yg diorg Xtau 🤣 Padahal mcm2 CC boleh buat...tp part bankrup tu jugak yg nak dicanangkannya...haha
@MOHAMADSAZRINAIZUL
11 ай бұрын
thanks to aznah and faiz for being able to tell me meaningful information. Untuk saya yang baru nak naik umur, nak pergi ke dunia dewasa ini banyak membantu. tq you both again.
@aznahabas242
11 ай бұрын
Ur welcome😊
@akabanekarma2042
Жыл бұрын
setuju dgn aznah sbb sy punya CC life lebih kurang 🤣👍🏼 still apply some good inputs from FF too so get best of both opinions hehe terima kasih FF keep up the good work educating ppl 👍🏼👍🏼
@aznahabas242
Жыл бұрын
End of the day we know what is our capacity😊
@jinboro23
9 ай бұрын
pengalaman aq dgan kredit kad adlah..bgus utk beli barg2 mhal tp xde cash..so byr bulan2 dgn interest rndah..tp mula2 pkai dulu xpndai nk manage..smpai kad kredit abis limit..bila limit abis bru tersedar utang byak..skg nie aq gne hnya utk byar bulan2 ja..😊😊
@alongfirdaus2358
8 ай бұрын
Tumpang tanya..kalau apply credit card untuk buat is minyak kete je bulan2 ada dpt cashback ke?🙏🏼
@HuYe-nr6lp
Жыл бұрын
Salam puan Aznah boleh ke buat juga video di KZitem. Sbb mungkin ada orang lebih suka tngk youtube daripada tik tok. 😄
@nadza4422
Жыл бұрын
nope, youtube sangat susah nak cari audience. Tiktok is killing youtube, better fo for new market (tiktok)
@aznahabas242
Жыл бұрын
xde mase nak edit2...sbb tu Xde KZitem. Busy kat office 🤣
@ibrahimzaki8126
7 ай бұрын
FF method more to careful on spending and I think Ms Aznah punya method is a bit dangerous on how to utilize CC. Rasanya kalau gaji tinggi Aznah's method seems practical, depends how well you play the CC game.
@aznahabas242
7 ай бұрын
It depends on ur emergency stash utk backup jugak...so we play the game ikot kemampuan masing2...tu je
@husnimubarak88
11 ай бұрын
Benda memang bagus. Contoh, I apply withdraw cash from my bank CC..charge per annum? waktu promo 3.88% instead off PL yang bagi 8%/annum untuk swasta macam I..but u cant apply smpai 20k la sebab dia depend on your Credit limit.
@aznahabas242
11 ай бұрын
True...semua mende yg melibatkan CC goes back to how much is ur Credit Limit
@dio_3584
Жыл бұрын
Inciteful podcast , learnt a lot from both ... really appreciate the info .... Be A MAN!! gonna share this podcast!!
@adikchannel9801
Жыл бұрын
what a great sharing both FF and aznah! hopefully to see you guys in the next videos haha
@aznahabas242
Жыл бұрын
Kne tggu FF jemput lagi 😊
@5045ribuz
Ай бұрын
pakai cc ni boleh guna under kemampuan jgn over dpd income . Displin tu yg penting.
@XploreXcite
18 күн бұрын
Thanks you sharing madam ,sir
@thrunzala
11 ай бұрын
I'm not trying to put her down or anything, I believe she's a wonderful lady. But I can't stand the way she speaks. With the giggling in between sentences I can't comprehend what kind of point she's trying to make. I know it is her personality or whatever but it's not the right way to be in a podcast. It ain't Tiktok.
@aznahabas242
11 ай бұрын
Sorrylah..cant help it. It is just me 🤣
@CatWithHorn
8 ай бұрын
last year around december MBB ada buat balance transfer 0%, campak semua RHB dgn CIMB punya CC balance ke MBB 🤣
@MikoSonya
11 ай бұрын
Apa pon kalau otak tu dah ada pemikiran dah pinjam mesti bayar, insyaAllah takda isu bangkrup atau terlebih guna atau kes tak mampu bayar. Bila niat dalam hati asyik nak amik kesempatan dan tak nak bayar, memang susah la. Sampai kiamat memang berhutang je la.
@nananona5491
7 ай бұрын
here for the knowledge from two pros. tq guys.
@goldfries
Жыл бұрын
Asalkan tracking kau kau boleh je. Yang guna straight bayar tu mereka mungkin takut lose track.
@aznahabas242
Жыл бұрын
Klu diorg tau baca statement, Xloose track 😊
@goldfries
Жыл бұрын
@@aznahabas242 bukan macam tu juga. Dia lose track for whole month, pastu bila statement datang dah overspend. 😅 My style gak - everything I spend I track la, statement datang bayar minimum + additional ikut hati. Confirm no issue.
@aznahabas242
Жыл бұрын
@@goldfriesBalance Transfer ada, 0%EPP ada, IPP ada, Quickcash ada klu u terbabas....tggl nak pakai n tau pakai bila saja 😊
@ariffikri8409
Жыл бұрын
Thanks a lot for this! Btw, what’s the best way to gain the knowledge to manage your finances for beginners? I am a fresh graduate and will be starting my first job soon.
@shahjalil9042
Жыл бұрын
not sure what i could learn from this episode... no details explanation on how to manage/handle credit card... just a story of her lifestyle... sigh...
@wannordin5744
Жыл бұрын
Depends on perspective bang. On the +ve site, she told us to get more knowledge on cc (or other things too) before going for it
@ninaabdul9405
Жыл бұрын
@@wannordin5744 itulah masalahnya what should be discussed is the knowledge on cc how she managed/handle in this podcast....aku pon tahu kalau nak pakai cc kena ada knowledge bukan sebarangan pakai.... what pple want to hear is her experience and her knowledge how to handle/manage the cc....
@aznahabas242
Жыл бұрын
Dah sebut psal Balance Transfer, 0%EPP, IPP n quickcash...the reason why lifestyle is mentioned here is to highlight if u have the knowledge to fully control ur repayments...u can actually spend however as u like. As long as u know what is the limit n what should be done. Dah summarise, just in case u miss all the important stuff
@ameermokhtar7599
8 ай бұрын
Assalammualaikum, nak tanya. Adakah baik mempunyai kredit kad dari bank yang sama contoh maybank two card, shopee, petronas gold card ATAU lebh baik mmpunyai kad dari bank2 berlainan? Terima kasih
@aznahabas242
7 ай бұрын
Lebih baik bank lain2...I dah pernah explain in my TT..u can follow to learn more
@syak9818
Жыл бұрын
i pernah dpt airpods from ringgitplus from applying hsbc card.. it's legit. and yep i pun jenis yg selidik sekejap tapi yakin nak beli benda. but i only have 2 cards la guna balance transfer lepas kahwin, 1% fees je
@aznahabas242
Жыл бұрын
Camtulah cara org reti pki CC pakai their CC 🤣👍
@saifulbahri684
11 ай бұрын
Boleh x buat satu video tentang ringgitplus..saya semakin berminat dgn cc skrang tapi xd masa nak buat
@aznahabas242
11 ай бұрын
Dah ada on my TikTok
@asmawitimyati9476
Жыл бұрын
_Saya Nak Komen Tetapi Tak Jadi Sebab Nanti Saya Kena Serang Tubi Berjemaah Balik. Jadi Saya Dengar Je ... Tidak Jadi Komen_
@mahadhirisabinabdullah
Жыл бұрын
Haha Sama Sama la Kita...
@raihananuar
21 күн бұрын
most of the advice she's giving in this video makes very little sense. 'happy barang rosak so boleh beli baru?' and i don't think it's good advice to literally tell people that it's okay to just incur the late charges on their credit cards
@GR-bt2jn
10 ай бұрын
Saya bayar cc in 10 days 😂 after guna. Send regards to her
@aznahabas242
7 ай бұрын
Boleh je..no prob just Xperlu...tu je
@drmohdzakisalleh458
11 ай бұрын
Very interesting.
@AliImran-pv7je
Жыл бұрын
😮😮😮 fuhh.. in hindsight, some people prefer a risky and thrilling life...
@yayalearnteach61
Жыл бұрын
Boleh tolong jelaskan lagi hal beli kereta dan bayar instalment bulanan pakai kredit kad?
@aznahabas242
Жыл бұрын
Look for 'CardUp'
@IoaajahsgsUqijahghsk
Жыл бұрын
Best 👍🏼👍🏼👍🏼
@mohamadsolihin6435
Жыл бұрын
43:09 totally agree jalan terus jangan hirau toxic people 😊😊..iam happy this episode 😊😊thanks mr faiz and mrs aznah😊😊
@FirdausAmir
Жыл бұрын
14:27 pkai form tu malas btul, bank P ni, last2 aq pkai bank M je 😂
@aznahabas242
Жыл бұрын
Ambank sng in app, HSBC, SC...yg blh apply in app plg senang.
@suarnosuradi7172
7 ай бұрын
webinar ni hanya utk org bahasa inggeris
@aznahabas242
5 ай бұрын
Huh?? Why.....nothing about language here. Podcast ni psal CC kot😂
@luqmanshari1888
Жыл бұрын
Terbaik😂
@nekonapper
5 күн бұрын
idk, i think she got sexy and alluring voice my fave pokemon now is Onyx or Diglett
@yayalearnteach61
Жыл бұрын
@34:45
@FirdausAmir
Жыл бұрын
22:39 contract 1 tahun ok lagi, 2 tahun menyampah lak 😂
@aznahabas242
Жыл бұрын
2 years is nothing to me🤣
@RyzTrade
11 ай бұрын
PDMD "Pakai Duit Masa Depan"
@aznahabas242
11 ай бұрын
Masa Xleh patah balik tp CC user boleh beli masa....so....siapa yg Xreti beli masa lah rugi😂
@alvinyinab2592
7 ай бұрын
Wasted my 48 minutes in this video😂 Opposite of FF philosophy. I guess she just spoiled brat with a lot of inheritance from family.
@aznahabas242
7 ай бұрын
Wow....soo judgy...I have to work my ass off for my living..no inheritance...maybe people like you think anything extra means parents have to spoon feed their child.
@Darksider95
11 ай бұрын
she don't sound knowledgeable. Orang tanya satu benda dia jawab benda lain, cakap feeling dia cakap perspective dia apa lah
@aznahabas242
11 ай бұрын
Too bad...asalkan ada org lain paham cukup lah 😊
@lesboman11
11 ай бұрын
lol terrible advice... no one should live like this
@fitrihasan9166
Жыл бұрын
Bila sembang tengah masyukkkkk..tengah kencang atau kenyang..memang muka banyak senyumm..tapi beringatlah..ada masa kau tengah susah..jangan Melalak minta Bantuan kerajaan..ini fakta..hahaaahaaa.
@FinancialFaiz
Жыл бұрын
great! wow thenks
@aznahabas242
Жыл бұрын
U igt yg tgh tersenyum sekrg Xbersedia ke sblm kena masa susah? We dont do terciduk baru nak glabah...Simpanan ada, CC ada to restructure if required, takaful ada, still dlm ada investment linked klu emergency terpaksa draw down jugak. Nak beringat sebelum susah Xperlukan u hidup 'papa kedana'...memadai kita tau semua strategi kewangan kita dah in place, bakinya kita belanja...so dont punish other people to spend if they already prepared for wuts needed in their life. What u should worry for is....what is ur prep?? Income kita Xsama, knowledge level Xsama n family dynamics Xsama...never expect other people to live like u. Coz we will have our own objectives in life n I can say definitely not the kind of life that I want looking at ur comment.
@sakitperut123
11 ай бұрын
Ade mentalati lagi bijak daripada guna kredit kad ni....PINJAM KAWAN...pastu xreti nak bayar....Pinjam 200 dr 10 kawan dah dpt 2k...aku rasa nak penumbuk org mcm ni
@aznahabas242
11 ай бұрын
Hahahaha..ni mmg Xleh buat apa lah😂
@akulahmohditu
10 ай бұрын
Pinjam 100
@abusahl
Жыл бұрын
Saya dari household M40, tapi hidup mcm B40, selebihnya simpan dan labur. Jarang travel sebab memang kurang minat, belanja bulanan pun tak la tggi sgt, sekadar keperluan dan sy tak minat nak nk bermewah2. Saya ambik 2 CC je. Satu utk groceries satu utk minyak. Dpt statement terus settle semua. Guna EPP utk brg2 yg rm500 ke atas. Alhamdulillah setakat ni tak pernah kena interest dan dpt cashback hampir 1k dh
@farisnazmi4300
Жыл бұрын
as long as you happy hidup mcm tu dan kehidupan you tak kacau orang lain tak ada orang marah
@marvineldon9284
Жыл бұрын
Pakai cc apa tu bang
@kudo8990
Жыл бұрын
Pakai cc apa bro?
@abusahl
Жыл бұрын
@@marvineldon9284 Maybank Ikhwan Gold Mastercard utk groceries & Maybank Ikhwan Gold Petronas Visa utk minyak
@abusahl
Жыл бұрын
@@kudo8990 Maybank Ikhwan Gold Mastercard utk groceries & Maybank Ikhwan Gold Petronas Visa utk minyak
@rahimhafizul2134
Жыл бұрын
Key dia..disiplin..hutang la apa pun...kena tahu kemampuan masing2..jangan tak sakit cari sakit
@kashvinwarmabaskaran4120
Жыл бұрын
Idk who she is but so far based on podcasts, she doesn't seem to give advise worth remembering. Most of it are bad advises or for those not in working class. Just saying, no hate yet still interesting podcast.
@harmonycentre1328
19 күн бұрын
I only remember her laughing LoL
@enndriana
Жыл бұрын
I'm really interested with her monthly budgeting. I'm sure the cc has different billing cycles which can be used to her advantage. In my opinion, if you are using most of your salary to pay off credit card bills, gotta put in mind if you suddenly out of job or loss in income. She's honest though in her way of spending :D
@lanakila586
11 ай бұрын
she did have savings and emergency funds even invest her money yg dia tak sentuh sbb dia guna credit card je
@jampiserapah
11 ай бұрын
Tu la, ni dia tak ingatkan pun kat kita. Dia just ckp dia spend lavishly, and rightly so sebab dia earn maybe belas puluh riban sebulan. Kalau hilang income pun mungkin dia ada insurance, simpanan dari gaji besar dia utk cover lah apa lah kan. Kalau kita yg gaji biasa2 nk spend mcm ni MEMANG TAK BOLEH LANGSUNG. Kalau tak sampai bila2 la berhutang, dah tu kalau mati wariskan anak bini hutang tu. Aisehmen nasihat semua duniawi je.
@aliffzulhaziq6789
11 ай бұрын
@@jampiserapah So increase la bro your income. Just need to do more. Right now aku personally xde gaji literally sbb aku tgh develop business sendri and mostly only pay for monthly commitment je. Itu pon kne push sales kaw2. So the point is, sementara larat and muda tu, kite push la income selagi mne boleh, nak x nak je bro.
@jampiserapah
11 ай бұрын
@@aliffzulhaziq6789 bkn masalah nk spend more. Dia ni mcm ada problem dgn org yg cautious dgn spending card diorang. And dia keep on bragging her spending, the only reminder dia bg ialah 'kita dh biasa bayar bulanan jd kita tahu ini memang kena bayar'. The F, ko faham tak berapa ramai anak muda seronok tgk dia spend dgn cc kalau dpt nasihat mcm dia ni habis bankrap diorang. Aku tak ckp gaji aku x cukup utk hidup aku, akupun ada cc tp spend carefully sepatutnya nasihat dia. Bkn just spend your limit. Gila apa nasihat mcm tu. Dia jual cc bang, dia nk bg org pakai cc. Ckp psl benefits tu benefits ni tp kita yg pakai pun tahu cashback tu tak seberapa pun. Cc sng ja nk bg anak muda yg newbie hanyut dalam lautan hutang, tu mslh aku dgn dia. Bkn sbb dengki, khianat ke apa.
@nananona5491
7 ай бұрын
@@jampiserapahtp kalau kt tiktok dia byk dia warning & beleter dkt org kalau org tu x layak dia x suggest cc & seumpamanya. Dia suruh tukar kerja suruh increase income. Shes very open in educating boleh tanya je. Plus one of the reason dia push guna cc sbb nk jaga cashflow and boleh guna cash utk saving. Done backup ampun salah silap 🙏😊
@SNOWOO
Жыл бұрын
Kad kredit is like a game. Setiap action you buat ada consequences dan bank wants to lose and pay up interest sebab bank tak boleh buat duit tapi ambil duit based on your action. If you are b40 with no/lack of knowledge + dulu sciences stream tak belajar pasal duit. Jangan start dengan credit card sebab it can destroy you the moment you go in debt. Belajar discipline about duit dulu dan jadikan habit. Tapi kenapa orang kaya pakai credit card. Ini tak adil? Orang kaya pakai credit card sebab nak leverage apa dia boleh dapat pakai bank ABC. Dia tahu setiap bulan kena bayar xx ringgit untuk teruskan hidup contoh minyak petrol. So the moment bank keluarkan credit card yang yg “guna kad kami you dapat point dan point you boleh redeem” memang no brainer la dia pakai sebab boleh redeem points dapat barang secara percuma. The moment si kaya kata “saya tak boleh bayar ini” the moment bank akan senyum dan kenakan you minimum pay + interest. Interest dia tuan/puan bukan rate macam loan rumah tapi 15% interest (ini lowest based on my knowledge) “Inilah orang kata rich getting richer poor getting poorer” Janganlah you rasa FOMO sebab tak pakai credit card ada negara2 maju still tolak credit card sebab ada “guilt”or “dosa” dalam bahasa kita.
@aznahabas242
Жыл бұрын
Can go lower than 15%per annum if u know wut ur doing 🤣
@jampiserapah
11 ай бұрын
@@aznahabas242that's the problem tho, your bank doesnt even bother to tell us that hahaha cause they want us to lose money, and their staff like you keep on saying 'no, no, no, you can get better rates if you know whatchu dooin' (AI TIKTOK STYLE, then lick paw) trying to trick us again n again
@stroyandiog
Жыл бұрын
One of Robert Kiyosaki key philosophies is "knowing how to use debt to create wealth,". When you know your debt, you can improve your life and "wealth". "Wealth" is not just about money, but good life, good health, less stress. Good cashflow will increase your credit score juga..
@aznahabas242
Жыл бұрын
Debt money is cheap ...why not?🤣
@jampiserapah
11 ай бұрын
I love debt hahaha
@tunhusin9176
11 ай бұрын
Mamat kyosaki ni ramai taikun mlm suka😂
@MB0943A
10 ай бұрын
@@tunhusin9176 mana tak suka.. klo dgr talk taikun mlm mesti ada quote mamat kiyosaki tu... quote senang pancing org🤣
@zainhype98
Жыл бұрын
I understand both different ways of spending habits. Tapi saya incline dengan Faiz, meticulous about price difference. Is it much of a discount or not. How long. Contract consideration. Ada duit tapi EPP. Technically sebab lebih banyak savings this way, tp betullah Aznah ni jenis tak menyesal beli apa2, so she do whatever she likes and that's no problem for her. If you have the capacity, just go for it. Begitulah kehidupan, you want to save more, it will be renyah. Kalau nak tak nak fikir banyak, you'll spend a lil bit more.
@aznahabas242
7 ай бұрын
My focus is my income...I focus on where I want to focus on :) Kita focus on what we want in life.
@FirdausAmir
Жыл бұрын
25:28 dulu Maybank susah nak apply, buat card bank lain, ehh tiba2 maybank call lak offer credit card 😂
@zack1250
11 ай бұрын
Kannn…sy bulan lepas pub maybank tba2 call n offer CC. Knp eh
@poji098
11 ай бұрын
I kept nodding when I agree with Aznah's points 😂. With info everywhere online, people should learn about credit cards. READ and LEARN, spend RESPONSIBLY and enjoy the perks.
@aznahabas242
11 ай бұрын
Bezanya I cannot see u nodding 🤣
@AnoniWis
Жыл бұрын
To certain extent yes (M40-T20) but those who are B40 stands on your reality. You still can use credit card but spending like her, you will only trouble yourself. Most of malaysians are in B40 bracket. Anyway, good sharing! :)
@amerazhar86
Жыл бұрын
ofcourse gaji dia saje 5angka dah tp ada perspective dr dia yg kita boleh ambil pakai.. rata2 kredit kad ada minimum apply of rm2k or 3k boleh pilih and ikut tekak sendiri
@muhdyusrisulong4214
Жыл бұрын
Betul tu. Kena realistik dimana level kita tp tu lah kita tak dapat lari dari untuk berbelanja. Dari berbelanja kosong, baik guna cc tu untk dpt cashback/reward yg ada. Cc ni permainan bank tp kita boleh bljar untk counter semua tu.
@PassionPno
Жыл бұрын
Actually, only 40% of Malaysians are B40. That’s why it’s called B40, Bottom 40 Percent.
@azaleaharman
11 ай бұрын
I’m like her, truly! I love to shop & often give in to impulse purchases. I have 8 cards right now & thankfully I manage to make full statement balance every month. However, this only comes with experience & I only manage to do this for the last 5 years. And yes, balance transfer & cash-on-call are very helpful in managing monthly payments.
@aznahabas242
11 ай бұрын
People that knows how to handle their cards usually have no issues to spend 🤣
@blackapple05
Жыл бұрын
I pernah experience same problem which is medical complication which I benefited the CC to pay it because I tak perlu guna savings yang ada. Me personally is a mix of faiz and aznah.
@akulahmohditu
10 ай бұрын
Sy assumed speaker ni dari T20. Masih ada benda yg boleh belajar walaupun story tu agak 'tak boleh pakai' bagi B40 Dan m40 yg tak disiplin.
@rauffrashid4865
10 ай бұрын
thank miss azah. im ur new follower on tt after watch this podcast. sy baru nak 'berjinak2' belajar pasal cc ni. very useful here. thanls both of u. faiz & azah
@jampiserapah
11 ай бұрын
FF lepas ni kalau boleh ajak Dr Zaharuddin ke podcast mcm ni dan sembang pasal credit card lagi. Mcm mana berkenaan processing fee, 'upah pinjam' semua tu affect kehidupan kita. Tambah2 kalau beli groceries ke, keperluan ke kan. Sbb sy keliru jgk. Ada cc yg islamic, tp bila arrange epp kan sometimes ada processing fee mcm mana halal haram nye kan.
@nblfdlnn
24 күн бұрын
Ada dgr ceramah.. Yes riba is haram.. Riba is menaikkan harga something yg ad fix price.. Like CC ni.. More to, kita guna perkhidmatan dya.. So we pay for their perkhidmatan.. All service ada charge dya.. So basically we pay for the service not the exactly barang yg kita beli.. Sbb kita mntk bank belikan dulu for us.. For the payback servis is the interest yg bgi kita rasa tu riba..
@fenddyhamson6006
Жыл бұрын
Sy suka EPP tp yang sayang nya masih banyk kedai2 besar mcm pembekal hardware masih belum kenal apa itu EPP
@mrbumiputera
Жыл бұрын
mereka kena bayar fee itu sebab tak mahu.
@muhdyusrisulong4214
Жыл бұрын
Merchant x minat cc sbb diorang kena tanggung bayaran untuk penggunaan kredit card tu. Dari pening pale nk main harga tu baik diorang tolak je.
@lcsfng
Жыл бұрын
at the end of the day. Knowledge is king and reading is important. Don't be lazy to read, learn, and understand..
@aznahabas242
Жыл бұрын
Ramai sgt lazy to read...hari2 dpt soalan minta disuap 😂
@napeenasir
Жыл бұрын
conversation between two opposite ends of financial management philosophy. she's practically doing everything yg FF kata jangan buat 🤣 bravo FF boleh still tenang & layan dgn baik. dalam hati sure geram jugak tu kan? 😛 rasanya Aznah ni ada 'safety net' lain in life ni, sbb tu she can afford to be that way. maybe family kaya? atau ada inheritence?
@aznahabas242
Жыл бұрын
My safety net is I believe in myself n I have a husband that will always support n believe in me ..
@aznahabas242
Жыл бұрын
FF is a very matured person....dia Xgado ngan org over mende camni...it is just diff opinion 🤣😊
@gigasflare
Жыл бұрын
Terbaik macam biasa best podcasts 👌 with amazing special guest with in depth info, doesn't matter if its niche or not both are great info
@jackblack5962
Жыл бұрын
Terima kasih aznah dan faiz. Saya rasa audience yg sesuai praktik ni adalah dari golongan niche, kiranya kalau orang tu memang suka berbelanja, dia kenalah berbelanja secara bijak seperti aznah
@aznahabas242
Жыл бұрын
i just wanted to show...Xde salah betul...there is just UR OWN WAY OF DOING THINGS 😊
@ericlai3221
Жыл бұрын
very attractive guest we have today! thanks for sharing aznah
@aznahabas242
Жыл бұрын
Ur welcome😊
@akulahmohditu
10 ай бұрын
Sy pernah sangkut masalah cc cimb almost 10k. Alhamdulillah dh sattle. Boleh share cc mana yang menarik?
@oliverrobert7323
Жыл бұрын
conclusion, CC card adalah tools terbaik untk hidup d zaman now... kena rajin membaca setiap TnC CC card... rugi ada cc card tpi x utilities full benefits CC card, tq sis Aznah, teruskan bt konten Tiktok, semoga follower 100k ke atas tahun ni
@aznahabas242
Жыл бұрын
Wow..ada org dah bubuh target utk I 🤣🤣🤣👍
@Office3
Жыл бұрын
@@aznahabas242 boleh tlong adjust cc tak? susah betul nk dptkn ke 5 dan 6 asyik kena ghosts
@RTXFlyingDusun
3 ай бұрын
Saya ada 5 Kredit kad. Credit limit mix. Ada yang 10k dan ada yang 15k. Total semua 60k. Credit card pakai untuk daily usage dan setiap kali gaji masuk, terus bayar penuh semua. Fully Settled. Persoalannya adakah 5 kredit kad ni akan effect financial saya? Contoh la in the future saya nak apply personal loan atau loan kereta yang baru, ada kah jumlah loan kereta atau personal tu berkurangan sebab saya dah ada 60k credit card? Macam mana pengiraan tu? Bang faiz boleh ulaskan? atau buat video tentang ini??
@herneyvenjelinehenryluyan7648
2 ай бұрын
Up
@royrockerfeller
8 ай бұрын
She is not financillay smart. She is just telling people how she uses her credit card and she's definitely not someone who is smart with money.
@potetoaimann
Жыл бұрын
Sy pkai 3 cc.. bnk islam mybnk cimb.. gna utk colect point je 😂
@nerradfifi
10 ай бұрын
Saya pegang 9 cc dari 6 bank 😂 Saya dapat Cashback lebih kurang rm2000 setahun 😅
@adiwira1351
7 ай бұрын
Cc bank apa ya?
@razi_haron
11 ай бұрын
Case by case ..semua bergantung pada disiplin dan tabiat diri ..ada orang disiplin tinggi dan sentiasa awas dengan perbelanjaan dan kira2. Ada orang senang lupa apa komitmen yang perlu bayar ...antara sebab mudah lupa mungkin komitmen terlalu banyak, atau terlalu banyak kad menyebabkan komitmen berterabur bank sana bank sini sampai tak ter-follow. Ada orang bila bayar komitmen bulan2, bila tengok baki hutang jadi kurang dia makin semangat nak setelkan habis. Ada orang bila masa bayar komitmen bulan2, bila tengok baki dalam akaun makin kurang dia jadi depress dan kurang semangat nak bayar komitmen.
@Tomb4k
4 ай бұрын
I follow her tiktok, thx to her sbb skrang actually she make me think more wider about benefit EPP, balance transfer, cash out, and so on... tu tk masuk lg about perks. Before this i sndri think negative tentang CC. Now, it changes the whole thinking.
@zaidsaad6192
8 ай бұрын
Aku ada 2 kredit card dgn credit limit RM30 ribu dan RM12 ribu.Setiap bulan bayar penuh ikut statement balance. Maka hidup jadi simple tidak perlu fikir IPP , EPP, transfer balance, point, hadiah, promosi dll.
@srkkroh791
Жыл бұрын
kad kredit amat penting bila you ada kereta . you boleh guna isi minyak , pergi servis kereta dgn ini you dapat mengurangkan bebanan untuk you bayar cash jika you tak ada kad kredit. saya sendiri guna dua cc dan ia amat membantu saya. bila you ada kad kredit you mesti ada online banking untuk memudahkan you manage kad kredit you
@aznahabas242
Жыл бұрын
True...true 😊 U just kne pandai pakai n tau utilise all CC features
@Roseycheeks86
8 ай бұрын
Be very careful with epp and ipp if u don’t have high enough income. Even though epp is 0percent, still monthly commitment. Ipp still ada interest.
@asilhaz2056
Жыл бұрын
Tak brp suka guest today, personally i feel whatever she tried to answer was a bit wishy washy. Nothing too concrete. Even though her way of spending incurs interest, technically still ok if the interest is lower than the profit she gets from asb n what not. Cume bahaya EPP is bila tiba2 tkda gaji. But maybe she’s well prepared financially so it’s okay.
@arifhafiz493
Жыл бұрын
aku ni ada 1 je..rasa mcm myesal pun ada.. senang sgt terpengaruh beli itu ini
@cr-qt7ir
Жыл бұрын
Bro faiz mesti pkai M2P kan 😂..nak collect points lagi byk boleh pkai CIMB TWE
@haikalnazari9532
9 ай бұрын
TWE tu apa
@Nabiltalks
Жыл бұрын
Berlagaknya lahai minah ni. Bukan kau sorg la ada cc. Duhmak
@aznahabas242
Жыл бұрын
Im curious plak tang mana berlagak tu 🤣
@haikalnazari9532
9 ай бұрын
memang ada orang naturally dia memang macam tu..bukan berlagak atau eksyen..lagi banyak kenal orang, lagi kenal banyak ragam
@zakisahlani6101
Жыл бұрын
so far for me, cc from maybank terbaik..benefit n all... the point is, when use cc, discipline is the key...
@helmiabidin8673
Жыл бұрын
bdk generasi skng mmng ckp mcm ni ke ek. lain tanya lain dia jwb. smpai kesudah aku tunggu ape kelebihan yg dia maksudkan tu.
@aznahabas242
Жыл бұрын
Generasi sekarang??? Kitorg sebaya je...ur referring to who? 😂
@weljohnson
Жыл бұрын
We're the same FF.. tak suka contract lama lama with telco. Got my phone on EPP too..
@sitinurhidayahabusamah1998
11 ай бұрын
Hi FF, saya bercadang nak sign up credit card utk more rewarding for any of my particular spending. Saya ternampak this one ads “guaranteed RM800” when you apply CC via us. Saya rasa, instead of saya mmg dah kene byr my monthly commitment mcm biasa dan yg tader cashback or reward sgt. Better sy apply & byr guna credit card which is much rewarding. Boleh percaya x eh iklan2 suruh apply credit card camtu?
@aznahabas242
11 ай бұрын
i think u nmpk dr iMoney, RinggitPlus or CompareHero...semua tu legit sites tp u kena baca TnC. Semua syarat dlm TnC..biasakan membaca benda2 mcm ni.
@2015che
Жыл бұрын
Lamaaa saya takut buat CC until blajar dalam small circle yg pndai fully utilise CC..so far i hv 2 cc. As beginner though im still juggling..agreed with Tuan FF & Pn Aznah..n yeah kena rajin belajar dan baca TnC...Duit bank in the CC tu mcm pisau..if u careful guna pisau, inshaAllah tak terluka. Or mybe luka sikit and heal well..(sometimes the bleeds tu kita masih boleh tahan sbb superficial cut..) if u understand what i mean
@aznahabas242
Жыл бұрын
True...I have superficial cut all the time...hahaha
@langgarlari1990
Жыл бұрын
Boleh cadangkan cc ape yg sesuai
@firdaussafaruddin
3 ай бұрын
Tiktoker favorit saya ni. Decide to own a cc because of her. 👍👍👍
@jampiserapah
11 ай бұрын
Ok lets be real for a second guys, she handles a credit card portfolio for a bank. Can you guys imagine how much she earn every month? hahaha.. we all obviously cannot walk in 'her shoes' cause we aint got the funds she's having. Yes, use cashback lah, balance transfers lah, tapi berapa sgt yg benefit ke kita tu? Stick to EPP utk barang yg mahal dan PERLU. Swipe for dailies only within your actual daily cash budget. She doesnt budget konon, yela dia at least earn belas2 ribu sebulan memang la takyah budget. Geram aku bila golongan t20 sembang. JANGAN IKUT SANGAT CARA DIA. NI LA RHOMA IRAMA CAKAP, GALI LOBANG TUTUP LOBANG, LOBANGNYA TAK PERNAH HILANG. At the end of the day she is a banker, theyre all the same, they want you to spend money you dont have (of course dia akan ckp tak) and keep you in debt. They thrive on debt remember.
@aznahabas242
11 ай бұрын
🤣 u igt I bangun pagi pergi kerja utk 'pedajal org n biar org berhutang ke'...haha. Adui....
@stream2003
7 ай бұрын
EPP sahaja yg kita agree. The rest are not.. lucky u still ada keje.
@aznahabas242
7 ай бұрын
Level persediaan kita Xsama...the way we view risk is not the same. Yg penting knowledge tu ada..klu satu hari kita perlukan, kita tau semua ni wujud. Xdelah masih stuckup kat EPP/IPP n mende lain tak reti😂
@AhmadNasaieMohamadZaki
Жыл бұрын
Good sharing 👍🏻 thanks for educating. Tapi ads lama sangat. Pilih yang sikit boleh tak? Tanak skip nak korang dapat duit dari ads
@khairulanwar2571
Жыл бұрын
Terima kasih azah,u really have change my life ❤. I tgk semua video u dkt tiktok pasal cc. Keep continue to educate people on credit card
@aznahabas242
Жыл бұрын
Ur welcome...happy to contribute something back...wlpn masih ada org Xpaham2🤣
@firdausismail969
10 ай бұрын
nk belajar tapi tak faham pulak sbab cakap english 😢
@ahnunut
Жыл бұрын
My two favorite tiktokkers collab?!!??!!!!!!!!
@muhammadfaris6995
Жыл бұрын
boleh tahu podcast ni guna condenser mic apa? hopefully reply my comment!! i want to find one and start off as a newbie podcaster hehe
@FinancialFaiz
Жыл бұрын
AT2040
@sloppymucky
Жыл бұрын
Love this podcast. Thanks for the informative sharing 👍🏻👍🏻
@aznahabas242
Жыл бұрын
😄 ur welcome
@faizfoad1771
3 ай бұрын
Terima kasih Aznah & Faiz kongsi perspektif kredit kad 👍🏼 bru fhm knp org guna! Kena tgk kad mana sesuai dgn lifestyle saya dan bayar statement balance setiap bulan 💰
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