[et_pb_section fb_built=”1″ _builder_version=”4.25.1″ _module_preset=”default” background_image=”https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-1-3.png” custom_padding=”80px||80px||true|false” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” header_text_color=”#FFFFFF” header_font_size=”46px” custom_margin=”||0px||false|false” header_font_size_tablet=”30px” header_font_size_phone=”23px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font_size=”13px” header_text_color=”#FFFFFF” header_font_size=”37px” header_font_size_tablet=”30px” header_font_size_phone=”23px” header_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”||10px||false|false” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row module_id=”types-of-bank-accounts” _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” header_font=”||||||||” header_text_color=”#0198cf” header_font_size=”26px” header_line_height=”1.1em” module_alignment=”center” custom_margin=”0px||0px||true|false” custom_padding=”||0px||false|false” header_font_size_tablet=”25px” header_font_size_phone=”25px” header_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_text_color=”#FFFFFF” background_color=”gcid-primary-color” text_orientation=”center” height=”135px” custom_margin=”||||false|false” custom_padding=”20px|20px|20px|20px|true|true” link_option_url=”https:\/\/marf.org.my\/ms\/menguruskan-kad-debit-wang\/” custom_css_main_element=”display: flex;||align-items: center;||” border_radii=”on|20px|20px|20px|20px” locked=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}” background__hover_enabled=”on|hover” background_color__hover=”#e27c00″ background_enable_color__hover=”on”]<\/p>\n
Kad debit, kad kredit, pemindahan wang atas talian dan E-dompet<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_text_color=”#FFFFFF” background_color=”gcid-primary-color” text_orientation=”center” height=”130px” custom_margin=”||||false|false” custom_padding=”20px|20px|20px|20px|true|true” link_option_url=”https:\/\/marf.org.my\/ms\/menguruskan-akaun-bank-wang\/” hover_enabled=”0″ custom_css_main_element=”display: flex;||align-items: center;” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}” background__hover_enabled=”on|hover” background_color__hover=”#e27c00″ background_enable_color__hover=”on” sticky_enabled=”0″]<\/p>\n
Bank, akaun bank dan perbankan atas talian<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_text_color=”#FFFFFF” background_color=”gcid-primary-color” text_orientation=”center” height=”130px” custom_margin=”||||false|false” custom_padding=”20px|20px|20px|20px|true|true” link_option_url=”https:\/\/marf.org.my\/ms\/pinjaman-bank-dan-kredit\/” custom_css_main_element=”display: flex;||align-items: center;||||||” border_radii=”on|20px|20px|20px|20px” locked=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22,%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}” background_color__hover=”#e27c00″ background__hover_enabled=”on|hover” background_enable_color__hover=”on”]<\/p>\n
Pinjaman bank dan kredit<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_text_color=”#FFFFFF” background_color=”gcid-primary-color” text_orientation=”center” height=”130px” custom_margin=”||||false|false” custom_padding=”20px|20px|20px|20px|true|true” link_option_url=”https:\/\/marf.org.my\/ms\/lindungi-diri-anda-daripada-terkena-scam\/” custom_css_main_element=”display: flex;||align-items: center;||||||” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22,%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}” background_color__hover=”#e27c00″ background__hover_enabled=”on|hover” background_enable_color__hover=”on”]<\/p>\n
Lindungi diri anda daripada terkena \u2018scam\u2019<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_text_color=”#FFFFFF” background_color=”gcid-primary-color” text_orientation=”center” height=”130px” custom_margin=”||||false|false” custom_padding=”20px|20px|20px|20px|true|true” link_option_url=”https:\/\/marf.org.my\/ms\/memahami-tentang-insurans\/” custom_css_main_element=”display: flex;||align-items: center;||||||” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22,%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}” background_color__hover=”#e27c00″ background__hover_enabled=”on|hover” background_enable_color__hover=”on”]<\/p>\n
Memahami tentang insurans<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”30px||0px||false|false” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” custom_margin=”||||true|false” custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”|600|||on||||” text_text_color=”#0396cd” text_font_size=”16px” header_font=”||||||||” header_text_color=”#0396cd” header_font_size=”28px” header_line_height=”1.1em” custom_margin=”0px||0px||true|false” custom_padding=”0px||0px||false|false” text_font_size_tablet=”16px” text_font_size_phone=”15px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|tablet” header_font_size_tablet=”26px” header_font_size_phone=”25px” header_font_size_last_edited=”on|desktop” custom_css_free_form=”li{|| line-height: 1.4em;||}” global_colors_info=”{}” content__hover_enabled=”off|hover” content__hover=”<\/p>\n
Apakah pinjaman bank?<\/a><\/strong><\/span><\/p>\n Apakah Kos faedah?<\/a><\/strong><\/span><\/p>\n Mengapakah Skor Kredit?<\/a><\/strong><\/span><\/p>\n Apakah Sejarah kredit?<\/a><\/strong><\/span><\/p>\n Mengapakah Skor kredit penting?<\/a><\/strong><\/span><\/p>\n Akibat Skor kredit buruk <\/a><\/strong><\/span><\/p>\n Cara mengekalkan Skor kredit yang baik?<\/a><\/strong><\/span><\/p>\n Bagaimanakah pinjaman bank boleh berguna?<\/a><\/strong><\/span><\/p>\n Bagaimana pinjaman berfungsi?<\/a><\/strong><\/span><\/p>\n “]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”what-is-saving” _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”30px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_id=”summary-of-differences-between-debit-cards-and-credit-cards” _builder_version=”4.25.1″ _module_preset=”default” header_font=”||||||||” header_text_color=”#0396cd” header_font_size=”28px” header_line_height=”1.1em” custom_margin=”0px||0px||true|false” header_font_size_tablet=”26px” header_font_size_phone=”22px” header_font_size_last_edited=”on|tablet” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-2-3.png” title_text=”Asset 2″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”0px||30px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” custom_padding=”10px||||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Menyimpan<\/strong> bermakna mengetepikan sebahagian wang anda untuk kegunaan masa hadapan. Ini boleh untuk sesuatu yang anda ingin beli kemudian atau untuk kecemasan. <\/p>\n [\/et_pb_text][et_pb_text module_id=”summary-of-differences-between-debit-cards-and-credit-cards” _builder_version=”4.25.1″ _module_preset=”default” header_font=”||||||||” header_text_color=”#0396cd” header_font_size=”28px” header_line_height=”1.1em” custom_margin=”0px||0px||true|false” header_font_size_tablet=”26px” header_font_size_phone=”22px” header_font_size_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” width=”100%” custom_margin=”||0px||false|false” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|tablet” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” sticky_enabled=”0″ custom_padding=”||19px|||”]<\/p>\n 1. Tetapkan Matlamat:<\/strong> Tentukan apa yang anda ingin simpan. Ia boleh menjadi telefon baharu, percutian atau hanya untuk kecemasan.<\/p>\n 2. Buka Akaun Simpanan:<\/strong> Semua bank di Malaysia menawarkan akaun simpanan. Anda boleh melawat cawangan untuk mendapatkan maklumat lanjut.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” width=”100%” custom_margin=”||0px||false|false” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|tablet” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n Mereka memastikan wang anda selamat dan anda boleh memperoleh sedikit faedah.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.25.1″ _module_preset=”default” background_color=”#ed804e” width=”50%” width_tablet=”80%” width_phone=”80%” width_last_edited=”on|tablet” custom_margin=”||20px||false|false” custom_padding=”|50px|30px|50px|false|true” custom_padding_tablet=”|50px|30px|50px|false|true” custom_padding_phone=”|30px||30px|false|true” border_radii=”on|30px|30px|30px|30px” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#FFFFFF” text_line_height=”1.4em” custom_margin=”||16px|||” custom_padding=”||||false|false” hover_enabled=”0″ text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.5em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n Baca<\/span> Mengurus Wang Dengan Autisme – Bank, Akaun Bank dan Perbankan Dalam Talian<\/strong><\/a><\/span><\/span> untuk maklumat lanjut tentang membuka akaun bank di Malaysia<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”0px||30px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” width=”100%” custom_margin=”||0px||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n 3. Simpan Secara Berkala:<\/strong> Cuba ketepikan sedikit wang setiap bulan. Jumlah yang kecil pun boleh bertambah dari semasa ke semasa. <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_id=”what-is-budgeting” _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_id=”summary-of-differences-between-debit-cards-and-credit-cards” _builder_version=”4.25.1″ _module_preset=”default” header_font=”||||||||” header_text_color=”#0396cd” header_font_size=”28px” header_line_height=”1.1em” custom_margin=”0px||0px||true|false” header_font_size_tablet=”26px” header_font_size_phone=”22px” header_font_size_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” custom_padding=”10px||||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Langkah pertama untuk mengurus wang anda ialah membuat dan berpegang pada belanjawan. Belanjawan bermaksud merancang cara membelanjakan wang anda, memastikan anda mempunyai cukup untuk apa yang anda perlukan. <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”30px||30px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_id=”summary-of-differences-between-debit-cards-and-credit-cards” _builder_version=”4.25.1″ _module_preset=”default” header_font=”||||||||” header_text_color=”#0396cd” header_font_size=”28px” header_line_height=”1.1em” custom_margin=”0px||0px||true|false” header_font_size_tablet=”26px” header_font_size_phone=”22px” header_font_size_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” width=”100%” custom_margin=”||0px||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Belanjawan membantu anda untuk:<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” custom_margin=”0px||0px||false|false” custom_padding=”10px||0px|15px|false|false” text_font_size_tablet=”15px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text module_id=”guide-to-using-bank” _builder_version=”4.25.1″ _module_preset=”default” header_font=”||||||||” header_text_color=”#0198cf” header_font_size=”21px” header_line_height=”1.1em” custom_margin=”0px||0px||true|false” custom_padding=”20px||10px||false|false” header_font_size_tablet=”25px” header_font_size_phone=”22px” header_font_size_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” width=”100%” custom_margin=”||0px||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n 1. Senaraikan Pendapatan Anda:<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” width=”86%” custom_padding=”10px||||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Tulis semua wang yang anda dapat setiap bulan. Ini mungkin daripada pekerjaan, bantuan kerajaan atau elaun. <\/p>\n Semak sama ada anda layak mendapat sebarang faedah atau sokongan kerajaan yang boleh membantu pendapatan anda.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” background_color=”#ed804e” width=”50%” width_tablet=”80%” width_phone=”80%” width_last_edited=”on|tablet” custom_margin=”||0px||false|false” custom_padding=”|50px|30px|50px|false|true” border_radii=”on|30px|30px|30px|30px” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#FFFFFF” custom_margin=”||16px|||” custom_padding=”||||false|false” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.7em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Lawati Skim Bantuan dan Bantuan Kewangan Kerajaan Malaysia untuk OKU<\/strong><\/span><\/span><\/a> untuk mendapatkan maklumat lanjut tentang bantuan kerajaan dan skim bantuan yang mungkin anda layak terima.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”30px||30px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” text_font_size=”17px” min_height=”0px” custom_margin=”||0px||false|false” custom_padding=”||||false|false” text_font_size_tablet=”17px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n 2. Senaraikan Perbelanjaan Anda:<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” custom_padding=”10px||||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Tulis semua yang anda belanjakan. Ini termasuk sewa, makanan, pengangkutan dan bil lain. <\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” text_font_size=”17px” min_height=”0px” custom_margin=”||0px||false|false” custom_padding=”||||false|false” text_font_size_tablet=”17px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n 3. Bandingkan pendapatan dan perbelanjaan:<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” custom_padding=”10px||||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Pastikan anda tidak berbelanja lebih daripada pendapatan anda. Jika ya, anda perlu mengurangkan perbelanjaan anda atau menambah pendapatan anda. <\/p>\n Jika anda mempunyai baki wang, gunakannya untuk membayar balik hutang atau disimpan dalam akaun simpanan. Jika tiada baki – RM0, dalam akaun bank anda di hujung bulan ini bermakna anda tidak ada peruntukan untuk kecemasan. Baki negatif bermakna anda berbelanja lebih daripada pendapatan anda. <\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” text_font_size=”17px” min_height=”0px” custom_margin=”||0px||false|false” custom_padding=”||||false|false” text_font_size_tablet=”17px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n 4. Rancang perbelanjaan anda:<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” custom_padding=”10px||||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Tentukan berapa banyak yang akan anda belanjakan untuk setiap perkara. Cuba berpegang pada rancangan ini. <\/p>\n Berhati-hati dengan kos sara hidup di kawasan anda. Sebagai contoh, kos sara hidup di Kuala Lumpur mungkin lebih tinggi daripada di bandar-bandar kecil. <\/p>\n Kemaskini belanjawan anda setiap tahun atau bila-bila masa anda mengalami perubahan, seperti pekerjaan baharu, kenaikan gaji, berpindah atau perubahan dalam situasi keluarga anda.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=”on|phone” module_id=”what-is-budgeting” _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”30px||70px||false|false” custom_padding_tablet=”30px||70px||false|false” custom_padding_phone=”10px||10px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text module_id=”tips” _builder_version=”4.27.0″ _module_preset=”default” header_font=”||||||||” header_text_color=”#0396cd” header_font_size=”28px” header_line_height=”1.1em” custom_margin=”0px||0px||true|false” header_font_size_tablet=”26px” header_font_size_phone=”22px” header_font_size_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” text_font_size=”17px” min_height=”0px” custom_margin=”||0px||false|false” custom_padding=”||||false|false” text_font_size_tablet=”17px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n 1. Jejaki perbelanjaan anda:<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” custom_padding=”10px|||15px|false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Jejaki semua pembelian anda untuk mengesan ke mana wang anda dibelanjakan. Terdapat pelbagai aplikasi dan kelengkapan yang boleh membantu anda memahami perbelanjaan dan simpanan anda. Semak bahagian sumber di penghujung halaman ini untuk laman sesawang dan aplikasi yang berguna<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” text_font_size=”17px” min_height=”0px” custom_margin=”||0px||false|false” custom_padding=”||||false|false” text_font_size_tablet=”17px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n 2. Utamakan keperluan daripada kehendak:<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”||||||||” text_text_color=”#58595b” custom_padding=”10px|||17px|false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”1.7em” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”left” text_orientation_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n Pastikan anda menampung perbelanjaan penting anda terlebih dahulu, seperti bil utiliti dan makanan, sebelum berbelanja untuk perkara yang anda inginkan.<\/p>\n Untuk mengawal perbelanjaan anda dengan lebih teliti, peruntukkan jumlah mingguan atau bulanan dalam aplikasi e-dompet seperti GrabPay untuk perbelanjaan harian. Rekod transaksi membantu anda menjejaki perbelanjaan anda dan memahami sama ada kos, seperti barangan runcit, meningkat daripada semasa ke semasa.<\/p>\n Dengan memahami dan mengamalkan belanjawan dan simpanan, anda boleh menguruskan wang anda dengan lebih baik dan hidup dengan lebih yakin sebagai orang dewasa yang berdikari. Ingat, anda sentiasa boleh meminta bantuan. Terdapat pelbagai sumber dan orang tersedia untuk menyokong anda dalam mempelajari kemahiran ini.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.25.1″ _module_preset=”default” background_color=”#4396ca” positioning=”none” min_height_tablet=”” min_height_phone=”689px” min_height_last_edited=”on|phone” overflow-x=”visible” overflow-y=”visible” custom_padding=”|20px||40px|false|false” custom_padding_tablet=”|20px||40px|false|false” custom_padding_phone=”|30px||30px|false|false” border_radii=”on|25px|25px|25px|25px” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.25.1″ _module_preset=”default” custom_css_main_element=”width: 70%!important;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_phone=”width: 100%!important;” custom_css_main_element_tablet=”width: 70%!important;”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font_size=”34px” custom_margin=”||||false|false” custom_padding=”||||false|false” text_font_size_tablet=”34px” text_font_size_phone=”24px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Sumber<\/span> <\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font_size=”19px” custom_margin=”||5px||false|false” custom_padding=”||||false|false” text_font_size_tablet=”19px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”1.4em” text_line_height_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Contoh Simulasi Pengurusan Wang Dalam Talian yang Seronok<\/strong> <\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” custom_margin=”||10px||false|false” custom_padding=”||||false|false” link_option_url=”https:\/\/buildyourstax.com\/” link_option_url_new_window=”on” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”1.6em” text_line_height_last_edited=”on|phone” custom_css_main_element=”color: transparent;” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” text_font_size=”19px” custom_margin=”||5px||false|false” custom_padding=”||||false|false” text_font_size_tablet=”19px” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”” text_line_height_phone=”1.4em” text_line_height_last_edited=”on|phone” locked=”off” global_colors_info=”{}”]<\/p>\n Contoh Aplikasi Belanjawan Visual untuk Telefon Pintar\/Tablet<\/strong> <\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” width=”50%” width_tablet=”50%” width_phone=”100%” width_last_edited=”on|tablet” custom_padding=”||||false|false” text_font_size_tablet=”” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” custom_css_main_element=”column-count: 2; ||column-gap: 20px;||color: transparent;||” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.25.1″ _module_preset=”default” custom_css_main_element=”width: 20%!important;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|phone” custom_css_main_element_phone=”width: 100%!important;||align-self: center;” custom_css_main_element_tablet=”width: 20%!important;”][et_pb_image src=”https:\/\/marf.org.my\/wp-content\/uploads\/2024\/07\/Asset-6-1.png” title_text=”Asset 6″ align=”center” _builder_version=”4.25.1″ _module_preset=”default” positioning=”absolute” width=”90%” width_tablet=”90%” width_phone=”45%” width_last_edited=”on|phone” custom_margin=”-100px||||false|false” custom_margin_tablet=”-100px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”30px||92px||false|false” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” header_font=”|800|||||||” header_text_align=”center” header_text_color=”gcid-primary-color” header_font_size_tablet=”” header_font_size_phone=”20px” header_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-primary-color%22:%91%22header_text_color%22%93}”]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/marf.org.my\/ms\/langgan\/” button_text=”Langgan” button_alignment=”center” _builder_version=”4.25.1″ _module_preset=”default” custom_button=”on” button_text_size=”20px” button_text_color=”#FFFFFF” button_bg_color=”#0198cf” button_border_radius=”38px” button_font=”|700|||||||” button_use_icon=”off” custom_padding=”|70px||70px|false|true” button_text_size_tablet=”18px” button_text_size_phone=”17px” button_text_size_last_edited=”on|desktop” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Mengurus kewangan untuk orang autismeMemahami Simpanan dan Belanjawan Siri Mengurus WangKad debit, kad kredit, pemindahan wang atas talian dan E-dompetBank, akaun bank dan perbankan atas talianPinjaman bank dan kreditLindungi diri anda daripada terkena \u2018scam\u2019Memahami tentang insurans Apa kaedah menyimpan itu? Apakah Belanjawan? Petua untuk penjimatan dan belanjawan yang berjaya Apa kaedah menyimpan itu?Menyimpan bermakna mengetepikan […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"class_list":["post-37880","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages\/37880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/comments?post=37880"}],"version-history":[{"count":0,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages\/37880\/revisions"}],"wp:attachment":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/media?parent=37880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
Apa kaedah menyimpan itu?<\/strong><\/h1>\n
Cara menyimpan:<\/h1>\n
Apakah Belanjawan?<\/strong><\/h1>\n
Mengapa Belanjawan Penting?<\/h1>\n
\n
Cara Membuat Belanjawan<\/h1>\n
Petua untuk penjimatan dan belanjawan yang berjaya<\/strong><\/h1>\n
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<\/span><\/strong><\/a><\/span><\/strong><\/li>\nHubungi Kami!<\/h1>\n