Savings vs Personal Loan

apa baik buruk saving vs personal loan...ini tidak termasuk loan rumah/ kete
ini personal loan utk kemahuan peribadi / menurut trend semasa shj...

Savings
1. takes long time ,biar lambat asal selamat..
2. no life risk...selamat
3. no interest...usually you need to pay double from the amount you OWE...
4. financial planning/ your money is fleksibel...you can adjust your budget to fix your current needs

Personal Loan
1. cepat....some blh dapat in 24 hours!
2. Interest...some people willing to pay the interest yang 2 x ganda tu...
3. already committed your money for the next 5/ 10 years...your monthly budget that tetap...
sbb bulan2 kene bayar personal loan...kalau ada emergency in future , kamu akan rasa 'trapped' sbb duit bulan2 dah susah nak adjust...
4. TERPAKSA...kalau boleh cuba avoid, so that manage your money wellll...beringat sblm pokai
5. some people apply personal loan, sbb nak ikut trend semasa...ikut org...
org beli brg branded, beli...org pergi vacation overseas, ikut jugak...
sebaiknya,' live/ spend within your limit'

kalau hari ni kita tak dapat nak buat something yang orang lain ada, sabarlah...
maybe esok lusa adalah rezeki kita...jgn ambil jalan mudah ...