{"id":29417,"date":"2026-10-16T08:45:20","date_gmt":"2026-10-16T08:45:20","guid":{"rendered":"https:\/\/xanderia.com\/?p=29417"},"modified":"2026-10-16T08:49:27","modified_gmt":"2026-10-16T08:49:27","slug":"assets-vs-liabilities-are-you-getting-wealthier-or-taking-on-more-commitments","status":"publish","type":"post","link":"https:\/\/xanderia.com\/my\/blog\/2026\/10\/16\/assets-vs-liabilities-are-you-getting-wealthier-or-taking-on-more-commitments\/","title":{"rendered":"Aset vs Liabiliti: Adakah Anda Sebenarnya Semakin Kaya atau Sekadar Semakin Banyak Komitmen?"},"content":{"rendered":"<div  style='padding-bottom:10px; color:#00c997;' class='av-special-heading av-special-heading-h2 custom-color-heading blockquote modern-quote modern-centered  avia-builder-el-0  el_before_av_slideshow_full  avia-builder-el-no-sibling'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Aset vs Liabiliti: Adakah Anda Sebenarnya Semakin Kaya atau Sekadar Semakin Banyak Komitmen?<\/h2><div class='special-heading-border'><div class='special-heading-inner-border' style='border-color:#00c997'><\/div><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-1  el_after_av_heading  el_before_av_one_fifth   slider-not-first container_wrap sidebar_right' style=' '  ><div   data-size='no scaling'  data-lightbox_size='large'  data-animation='slide'  data-conditional_play=''  data-ids='29418'  data-video_counter='0'  data-autoplay='false'  data-bg_slider='false'  data-slide_height=''  data-handle='av_slideshow_full'  data-interval='5'  data-class=' image_no_stretch'  data-el_id=''  data-css_id=''  data-scroll_down=''  data-control_layout='av-control-default'  data-custom_markup=''  data-perma_caption=''  data-autoplay_stopper=''  data-image_attachment=''  data-min_height='0px'  data-lazy_loading='disabled'  data-src=''  data-position='top left'  data-repeat='no-repeat'  data-attach='scroll'  data-stretch='image_no_stretch'  class='avia-slideshow avia-slideshow-1  av-control-default av-default-height-applied avia-slideshow-no scaling av_slideshow_full  image_no_stretch avia-slide-slider'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner' style='padding-bottom: 56.25%;' ><li  class='av-single-slide slide-1' ><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-29418 avia-img-lazy-loading-not-29418\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM.jpeg\"  width=\"1600\" height=\"900\" title='Aset VS Liabiliti' alt='' itemprop=\"thumbnailUrl\"  srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM.jpeg 1600w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM-300x169.jpeg 300w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM-1030x579.jpeg 1030w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM-768x432.jpeg 768w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM-1536x864.jpeg 1536w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM-18x10.jpeg 18w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM-1500x844.jpeg 1500w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM-705x397.jpeg 705w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/div><\/li><\/ul><\/div><\/div><div id='after_full_slider_1'  class='main_color av_default_container_wrap container_wrap sidebar_right' style=' '  ><div class='container' ><div class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-29417'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-2  el_after_av_slideshow_full  el_before_av_three_fifth  avia-builder-el-first\" style='border-radius:0px; '><\/div>\n<div class=\"flex_column av_three_fifth  flex_column_div av-zero-column-padding   avia-builder-el-3  el_after_av_one_fifth  el_before_av_one_fifth\" style='border-radius:0px; '><section class=\"av_textblock_section\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'   itemprop=\"text\" ><p><span data-contrast=\"auto\">Gaji meningkat, kereta semakin selesa dan rumah sudah dimiliki. Tetapi setiap hujung bulan, baki akaun masih membuatkan anda menarik nafas panjang.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Pernah rasa begitu?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Memiliki lebih banyak barang belum tentu bermakna kewangan semakin kukuh. Untuk mengetahui kedudukan sebenar, kenali <\/span><b><span data-contrast=\"auto\">aset dan liabiliti anda<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Apa Bezanya?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Aset<\/span><\/b><span data-contrast=\"auto\"> ialah sesuatu yang anda miliki dan mempunyai nilai kewangan, seperti simpanan, pelaburan, rumah dan kenderaan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Liabiliti<\/span><\/b><span data-contrast=\"auto\"> pula ialah hutang yang masih perlu dibayar, termasuk baki pembiayaan rumah, kereta, pembiayaan peribadi dan kad kredit.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Contohnya, kereta bernilai RM50,000 ialah aset. Jika baki pembiayaannya RM45,000, nilai selepas ditolak hutang hanyalah <\/span><b><span data-contrast=\"auto\">RM5,000<\/span><\/b><span data-contrast=\"auto\">, sebelum kos berkaitan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Jadi, lihat kedua-duanya bersama.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Berapa Nilai Bersih Anda?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Gunakan formula mudah ini:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Nilai Bersih = Jumlah Aset \u2212 Jumlah Liabiliti<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Jika jumlah aset anda RM100,000 dan baki hutang RM80,000, nilai bersih anda ialah <\/span><b><span data-contrast=\"auto\">RM20,000<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Angka ini membantu anda melihat kedudukan kewangan dengan lebih jelas. Gunakan nilai semasa aset, bukan harga asal pembelian.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Namun, nilai bersih sahaja belum mencukupi. Rumah mempunyai nilai, tetapi tidak semestinya boleh ditukar kepada wang tunai segera ketika kecemasan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Ansuran Kecil, Komitmen Besar?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u201cTambah RM150 sahaja sebulan.\u201d<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bunyinya ringan. Tetapi apabila digabungkan dengan ansuran lain, baki gaji boleh semakin mengecil.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bagi penjawat awam, potongan gaji memudahkan pembayaran. Namun, setiap potongan tetap mengurangkan wang untuk keluarga, simpanan dan kecemasan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sebelum menambah komitmen, tanya diri:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Adakah pembelian ini benar-benar diperlukan?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Berapa jumlah keseluruhan yang perlu dibayar?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Selepas membayarnya, masih ada ruang untuk menyimpan?<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Mulakan dengan Satu Langkah<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Luangkan 15 minit minggu ini untuk menyenaraikan aset, baki hutang dan perbelanjaan bulanan anda.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Kemajuan kewangan boleh bermula dengan simpanan yang bertambah, hutang yang berkurang dan lebih banyak ruang untuk bernafas setiap bulan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Semak aset dan liabiliti anda hari ini. Adakah kewangan anda semakin kukuh, atau komitmen sahaja yang semakin bertambah?<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<\/div><\/section><\/div>\n<div class=\"flex_column av_one_fifth  flex_column_div av-zero-column-padding   avia-builder-el-5  el_after_av_three_fifth  el_before_av_hr\" style='border-radius:0px; '><\/div>\n<div   class='hr hr-default   avia-builder-el-6  el_after_av_one_fifth  el_before_av_postslider'><span class='hr-inner' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<div   data-autoplay=''  data-interval='5'  data-animation='fade'  data-show_slide_delay='90'  class='avia-content-slider avia-content-slider-active avia-content-slider1 avia-content-slider-even  avia-builder-el-7  el_after_av_hr  el_before_av_hr'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Blog\" ><div class='avia-content-slider-inner'><div class='slide-entry-wrap'><article class='slide-entry flex_column  post-entry post-entry-29417 slide-entry-overview slide-loop-1 slide-parity-odd  av_one_fourth first real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/10\/16\/assets-vs-liabilities-are-you-getting-wealthier-or-taking-on-more-commitments\/' data-rel='slide-1' class='slide-image' title='Aset vs Liabiliti: Adakah Anda Sebenarnya Semakin Kaya atau Sekadar Semakin Banyak Komitmen?'><img decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-ENG-260x185.jpeg\" class=\"wp-image-29418 avia-img-lazy-loading-not-29418 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title'  itemprop=\"headline\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/10\/16\/assets-vs-liabilities-are-you-getting-wealthier-or-taking-on-more-commitments\/' title='Aset vs Liabiliti: Adakah Anda Sebenarnya Semakin Kaya atau Sekadar Semakin Banyak Komitmen?'>Aset vs Liabiliti: Adakah Anda Sebenarnya Semakin Kaya atau Sekadar Semakin Banyak Komitmen?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-meta'><div class='slide-meta-comments'><a href='https:\/\/xanderia.com\/my\/blog\/2026\/10\/16\/assets-vs-liabilities-are-you-getting-wealthier-or-taking-on-more-commitments\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-10-16T08:45:20+00:00\" >Oktober 16, 2026<\/time><\/div><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/10\/16\/assets-vs-liabilities-are-you-getting-wealthier-or-taking-on-more-commitments\/\" class=\"more-link\">Read more<span class=\"more-link-arrow\"><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Aset-Liabiliti-BM.jpeg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>900<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1600<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Haryth Singularity<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span 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real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/10\/05\/medical-cards-life-takaful-and-personal-accident-coverage-whats-the-difference-and-which-do-you-need\/' data-rel='slide-1' class='slide-image' title='Kad Perubatan, Takaful Hayat dan Kemalangan Diri: Apa Bezanya dan Yang Mana Anda Perlukan?'><img decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Medical-Cards-EN-260x185.jpeg\" class=\"wp-image-29412 avia-img-lazy-loading-not-29412 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title'  itemprop=\"headline\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/10\/05\/medical-cards-life-takaful-and-personal-accident-coverage-whats-the-difference-and-which-do-you-need\/' title='Kad Perubatan, Takaful Hayat dan Kemalangan Diri: Apa Bezanya dan Yang Mana Anda Perlukan?'>Kad Perubatan, Takaful Hayat dan Kemalangan Diri: Apa Bezanya dan Yang Mana Anda Perlukan?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-meta'><div class='slide-meta-comments'><a href='https:\/\/xanderia.com\/my\/blog\/2026\/10\/05\/medical-cards-life-takaful-and-personal-accident-coverage-whats-the-difference-and-which-do-you-need\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-10-05T09:35:09+00:00\" >Oktober 5, 2026<\/time><\/div><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/10\/05\/medical-cards-life-takaful-and-personal-accident-coverage-whats-the-difference-and-which-do-you-need\/\" class=\"more-link\">Read more<span class=\"more-link-arrow\"><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Medical-Cards-EN.jpeg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>900<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1600<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Haryth Singularity<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2025\/12\/Xanderia-NewLogo-300x300.png<\/span>\n\t\t\t\t\t\t <\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Haryth Singularity<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2026-10-16T08:45:20+00:00\" >2026-10-05 09:35:09<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-10-05 09:48:40<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Kad Perubatan, Takaful Hayat dan Kemalangan Diri: Apa Bezanya dan Yang Mana Anda Perlukan?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29402 slide-entry-overview slide-loop-3 slide-parity-odd  av_one_fourth  real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/09\/30\/emergency-fund-vs-sinking-fund-many-still-get-confused-which-savings-is-for-what\/' data-rel='slide-1' class='slide-image' title='Dana Kecemasan vs Sinking Fund: Ramai Masih Keliru \u2014 Simpanan Mana Untuk Apa?'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/09\/Emergency-Fund-or-SInking-Fund-Bm-260x185.jpeg\" class=\"wp-image-29405 avia-img-lazy-loading-not-29405 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title'  itemprop=\"headline\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/09\/30\/emergency-fund-vs-sinking-fund-many-still-get-confused-which-savings-is-for-what\/' title='Dana Kecemasan vs Sinking Fund: Ramai Masih Keliru \u2014 Simpanan Mana Untuk Apa?'>Dana Kecemasan vs Sinking Fund: Ramai Masih Keliru \u2014 Simpanan Mana Untuk Apa?<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-meta'><div class='slide-meta-comments'><a href='https:\/\/xanderia.com\/my\/blog\/2026\/09\/30\/emergency-fund-vs-sinking-fund-many-still-get-confused-which-savings-is-for-what\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-09-30T02:47:13+00:00\" >September 30, 2026<\/time><\/div><div class='slide-entry-excerpt entry-content'  itemprop=\"text\" >\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"read-more-link\"><a 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post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/08\/18\/paylater-credit-card-or-personal-financing-which-one-should-you-choose\/' data-rel='slide-1' class='slide-image' title='PayLater, Kad Kredit atau Pembiayaan Peribadi: Mana Satu Pilihan Anda?'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/08\/WhatsApp-Image-2026-08-18-at-15.12.43-Eng-260x185.jpeg\" class=\"wp-image-29313 avia-img-lazy-loading-not-29313 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title'  itemprop=\"headline\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/08\/18\/paylater-credit-card-or-personal-financing-which-one-should-you-choose\/' title='PayLater, Kad Kredit atau Pembiayaan 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href='https:\/\/xanderia.com\/my\/blog\/2026\/08\/18\/perhimpunan-penjawat-awam-dan-pelancaran-kibar-jalur-gemilang-peringkat-negeri-sembilan-2026\/' data-rel='slide-1' class='slide-image' title='Perhimpunan Penjawat Awam dan Pelancaran Kibar Jalur Gemilang Peringkat Negeri Sembilan 2026'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/08\/IMG-20260814-WA0191-e1787021591326-260x185.jpg\" class=\"wp-image-29287 avia-img-lazy-loading-not-29287 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/08\/IMG-20260814-WA0191-e1787021591326-260x185.jpg 260w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/08\/IMG-20260814-WA0191-e1787021591326-18x12.jpg 18w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title'  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>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/08\/18\/perhimpunan-penjawat-awam-dan-pelancaran-kibar-jalur-gemilang-peringkat-negeri-sembilan-2026\/\" class=\"more-link\">Read more<span class=\"more-link-arrow\"><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2026\/08\/IMG-20260814-WA0191-e1787021591326.jpg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>1442<\/span>\n\t\t\t\t\t\t<span itemprop='width'>2112<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span 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2026<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29260 slide-entry-overview slide-loop-6 slide-parity-even  av_one_fourth  real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/07\/31\/financial-literacy-why-building-an-emergency-fund-should-come-before-financing\/' data-rel='slide-1' class='slide-image' title='Literasi Kewangan: Mengapa Dana Kecemasan Perlu Menjadi Keutamaan Sebelum Membuat Pembiayaan'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-29-2026-04_10_27-PM-1-260x185.png\" class=\"wp-image-29262 avia-img-lazy-loading-not-29262 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 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>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/07\/31\/financial-literacy-why-building-an-emergency-fund-should-come-before-financing\/\" class=\"more-link\">Read more<span class=\"more-link-arrow\"><\/span><\/a><\/div><\/div><\/div><footer class=\"entry-footer\"><\/footer><span class='hidden'>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" >\n\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-29-2026-04_10_27-PM-1.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>807<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1949<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<span class='av-structured-data'  itemprop=\"publisher\" itemtype=\"https:\/\/schema.org\/Organization\" itemscope=\"itemscope\" >\n\t\t\t\t\t\t<span itemprop='name'>Haryth Singularity<\/span>\n\t\t\t\t\t\t<span itemprop='logo' itemscope itemtype='https:\/\/schema.org\/ImageObject'>\n\t\t\t\t\t\t\t<span itemprop='url'>https:\/\/xanderia.com\/wp-content\/uploads\/2025\/12\/Xanderia-NewLogo-300x300.png<\/span>\n\t\t\t\t\t\t <\/span>\n\t\t\t\t<\/span><span class='av-structured-data'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><span itemprop='name'>Haryth Singularity<\/span><\/span><span class='av-structured-data'  itemprop=\"datePublished\" datetime=\"2026-10-16T08:45:20+00:00\" >2026-07-31 08:37:15<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-07-31 09:17:26<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Literasi Kewangan: Mengapa Dana Kecemasan Perlu Menjadi Keutamaan Sebelum Membuat Pembiayaan<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-22083 slide-entry-overview slide-loop-7 slide-parity-odd  av_one_fourth  real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/03\/14\/xanderia-kembara-prihatin-kesatuan-sekerja-negeri-sembilan\/' data-rel='slide-1' class='slide-image' title='Kembara Prihatin Negeri Sembilan: Xanderia Menyantuni Penjawat Awam Sempena Bulan Ramadhan'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/03\/WhatsApp-Image-2026-03-10-at-4.04.43-PM-260x185.jpeg\" class=\"wp-image-22096 avia-img-lazy-loading-not-22096 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/03\/WhatsApp-Image-2026-03-10-at-4.04.43-PM-260x185.jpeg 260w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/03\/WhatsApp-Image-2026-03-10-at-4.04.43-PM-16x12.jpeg 16w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/a><div class='slide-content'><header class=\"entry-content-header\"><h3 class='slide-entry-title entry-title'  itemprop=\"headline\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/03\/14\/xanderia-kembara-prihatin-kesatuan-sekerja-negeri-sembilan\/' title='Kembara Prihatin Negeri Sembilan: Xanderia Menyantuni Penjawat Awam Sempena Bulan Ramadhan'>Kembara Prihatin Negeri Sembilan: Xanderia Menyantuni Penjawat Awam Sempena Bulan Ramadhan<\/a><\/h3><span class=\"av-vertical-delimiter\"><\/span><\/header><div class='slide-meta'><div class='slide-meta-comments'><a href='https:\/\/xanderia.com\/my\/blog\/2026\/03\/14\/xanderia-kembara-prihatin-kesatuan-sekerja-negeri-sembilan\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" 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Sembilan: Xanderia Menyantuni Penjawat Awam Sempena Bulan Ramadhan<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-18999 slide-entry-overview slide-loop-8 slide-parity-even  av_one_fourth  real-thumbnail post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2025\/07\/22\/literasi-kewangan-malaysia-5-langkah-bijak\/' data-rel='slide-1' class='slide-image' title='Realiti Wang di Malaysia: 7 daripada 10 Dewasa Terlalu Hampir Dengan Masalah Kewangan\u2014Apa Yang Anda Boleh Buat Sekarang'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2025\/07\/woman-working-late-project-260x185.jpg\" class=\"wp-image-19000 avia-img-lazy-loading-not-19000 attachment-portfolio_small size-portfolio_small wp-post-image\" alt=\"\" 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