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1/ #TabungHutang

Moratorium masih berbaki dua bulan lebih sahaja lagi.

1. Jika masih ada kerja walau stabil, buat simpanan lebih dari 6 bulan gaji. Jika dah ada 6 bulan cuba jadikan setahun simpanan
2/ 2. Jika mula ada banyak duit hasil moratorium, cuba selesaikan hutang ini dulu jika simpanan dan cukup 6 bulan.

+Hutang Kad Kredit (kadar faedah 15-18%)
+ Hutang Ahrahnu (Kadar faedah antara 12-16%)
+Hutang Pembiayaan peribadi (Kadar faedah didarab 1.88)
3/ 3. Jangan guna duit moratorium untuk mulakan perniagaan. 99% kali pertama berniaga hadapi kegagalan. Jika nak guna juga, pastikan bawah RM2000 sahaja.

4. Jangan guna duit moratorium juga untuk labur sepenuhnya jika kita kali pertama melabur.
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