{"id":29436,"date":"2026-10-26T01:56:38","date_gmt":"2026-10-26T01:56:38","guid":{"rendered":"https:\/\/xanderia.com\/?p=29436"},"modified":"2026-10-26T01:56:38","modified_gmt":"2026-10-26T01:56:38","slug":"buying-your-first-home-costs-beyond-the-monthly-repayment","status":"publish","type":"post","link":"https:\/\/xanderia.com\/my\/blog\/2026\/10\/26\/buying-your-first-home-costs-beyond-the-monthly-repayment\/","title":{"rendered":"Membeli Rumah Pertama: Kos Selain Ansuran Bulanan yang Perlu Anda Rancang"},"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\"  >Membeli Rumah Pertama: Kos Selain Ansuran Bulanan yang Perlu Anda Rancang<\/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='29437'  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-29437 avia-img-lazy-loading-not-29437\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-BM.jpeg\"  width=\"1600\" height=\"900\" title='Membeli Rumah ENG)' alt='' itemprop=\"thumbnailUrl\"  srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-BM.jpeg 1600w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-BM-300x169.jpeg 300w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-BM-1030x579.jpeg 1030w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-BM-768x432.jpeg 768w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-BM-1536x864.jpeg 1536w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-BM-18x10.jpeg 18w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-BM-1500x844.jpeg 1500w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-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-29436'><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><em>\u201cAnsuran RM1,500 sebulan? Rasanya boleh.\u201d<\/em><\/p>\n<p>Anda mula membayangkan ruang tamu sendiri, dapur yang kemas dan tempat untuk keluarga berkumpul. Memiliki rumah pertama memang seronok.<\/p>\n<p>Namun, sebelum membuat keputusan, ada satu soalan penting: <strong>selepas membayar ansuran, adakah bajet anda masih mempunyai ruang untuk kos-kos yang lain?<\/strong><\/p>\n<ol>\n<li><strong> Wang Pendahuluan dan Kos Urusan Pembelian<\/strong><\/li>\n<\/ol>\n<p>Selain wang pendahuluan, pembelian rumah boleh melibatkan yuran guaman, duti setem, fi penilaian serta kos dokumentasi pembiayaan.<\/p>\n<p>Jumlah sebenar bergantung pada hartanah, pembiayaan dan sebarang pengecualian atau promosi yang terpakai. Jika ditawarkan \u201cyuran percuma\u201d, minta penjelasan bertulis tentang perkara yang ditanggung dan yang masih perlu dibayar.<\/p>\n<p><strong>Minta pecahan kos awal sebelum membuat komitmen.<\/strong> Ini membantu anda mengetahui jumlah tunai yang perlu disediakan.<\/p>\n<ol start=\"2\">\n<li><strong> Kos Masuk Rumah<\/strong><\/li>\n<\/ol>\n<p>Kunci sudah diterima, tetapi rumah mungkin belum bersedia untuk diduduki.<\/p>\n<p>Deposit utiliti, kos lori pindah, lampu, langsir dan peralatan asas boleh menambah perbelanjaan dalam masa yang singkat.<\/p>\n<p>Tidak semuanya perlu dibeli serentak. Dahulukan perkara yang menjadikan rumah selamat dan boleh didiami. Sofa idaman atau kabinet tambahan boleh menunggu sehingga bajet lebih selesa.<\/p>\n<ol start=\"3\">\n<li><strong> Caj Berkala Selain Ansuran<\/strong><\/li>\n<\/ol>\n<p>Bagi hartanah strata seperti apartmen dan kondominium, semak caj penyelenggaraan serta caruman kumpulan wang penjelas (sinking fund). Kemudahan yang menarik turut datang dengan kos pengurusan.<\/p>\n<p>Ambil kira juga cukai taksiran, cukai tanah atau cukai petak, mengikut jenis hartanah, serta perlindungan rumah yang berkaitan.<\/p>\n<p>Walaupun sesetengah bayaran dibuat secara tahunan, anda boleh mengasingkan sedikit wang setiap bulan supaya tidak terkejut apabila bil tiba.<\/p>\n<ol start=\"4\">\n<li><strong> Pembaikan dan Penyelenggaraan Sendiri<\/strong><\/li>\n<\/ol>\n<p>Paip bocor, penghawa dingin rosak atau soket bermasalah biasanya datang tanpa menunggu hari gaji.<\/p>\n<p>Sediakan tabung penjagaan rumah secara beransur-ansur. Jika membeli rumah subsale, pemeriksaan keadaan rumah sebelum membeli boleh membantu mengenal pasti pembaikan yang perlu dibajetkan.<\/p>\n<ol start=\"5\">\n<li><strong> Lokasi Juga Mempengaruhi Belanja<\/strong><\/li>\n<\/ol>\n<p>Rumah yang lebih murah tetapi jauh dari tempat kerja mungkin meningkatkan kos petrol, tol, parkir atau pengangkutan harian.<\/p>\n<p>Bayangkan rutin sebenar anda: perjalanan ke pejabat, menghantar anak dan membeli barang dapur. Semua ini mempengaruhi kemampuan bulanan selepas berpindah.<\/p>\n<p><strong>Kira Kos Memiliki Rumah Secara Menyeluruh<\/strong><\/p>\n<p>Sebelum membeli, sediakan tiga senarai: <strong>kos awal pembelian, kos masuk rumah dan kos berulang selepas berpindah.<\/strong><\/p>\n<p>Kemudian, semak baki untuk keperluan keluarga, simpanan dan kecemasan. Bagi penjawat awam, sama ada menggunakan pembiayaan bank atau LPPSA, kelayakan pembiayaan perlu dinilai bersama kemampuan sebenar isi rumah.<\/p>\n<p><strong>Sebelum memilih rumah pertama, minta pecahan kos penuh dan bina bajet selepas berpindah. Rumah idaman akan terasa lebih selesa apabila kewangannya juga terancang.<\/strong><\/p>\n<\/div><\/section><\/div><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><\/p>\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-29442 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\/27\/helping-family-or-friend-with-money-check-your-financial-situaiton-first\/' data-rel='slide-1' class='slide-image' title='Nak Pinjam Wang Kepada Keluarga atau Rakan? Pastikan Poket Sediri Selamat Dulu'><img decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Lending-Money-to-Family-or-Friends-ENG-260x185.png\" class=\"wp-image-29443 avia-img-lazy-loading-not-29443 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\/27\/helping-family-or-friend-with-money-check-your-financial-situaiton-first\/' title='Nak Pinjam Wang Kepada Keluarga atau Rakan? Pastikan Poket Sediri Selamat Dulu'>Nak Pinjam Wang Kepada Keluarga atau Rakan? Pastikan Poket Sediri Selamat Dulu<\/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\/27\/helping-family-or-friend-with-money-check-your-financial-situaiton-first\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-10-27T10:15:13+00:00\" >Oktober 27, 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<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/10\/27\/helping-family-or-friend-with-money-check-your-financial-situaiton-first\/\" 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\/Lending-Money-to-Family-or-Friends-BM.png<\/span>\n\t\t\t\t\t\t<span itemprop='height'>793<\/span>\n\t\t\t\t\t\t<span itemprop='width'>1983<\/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=\"2026-10-26T01:56:38+00:00\" >2026-10-27 10:15:13<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-10-26 02:18:20<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Nak Pinjam Wang Kepada Keluarga atau Rakan? Pastikan Poket Sediri Selamat Dulu<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29436 slide-entry-overview slide-loop-2 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\/10\/26\/buying-your-first-home-costs-beyond-the-monthly-repayment\/' data-rel='slide-1' class='slide-image' title='Membeli Rumah Pertama: Kos Selain Ansuran Bulanan yang Perlu Anda Rancang'><img decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Membeli-Rumah-ENG-260x185.jpeg\" class=\"wp-image-29437 avia-img-lazy-loading-not-29437 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\/26\/buying-your-first-home-costs-beyond-the-monthly-repayment\/' title='Membeli Rumah Pertama: Kos Selain Ansuran Bulanan yang Perlu Anda Rancang'>Membeli Rumah Pertama: Kos Selain Ansuran Bulanan yang Perlu Anda Rancang<\/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\/26\/buying-your-first-home-costs-beyond-the-monthly-repayment\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-10-26T01:56:38+00:00\" >Oktober 26, 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<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/10\/26\/buying-your-first-home-costs-beyond-the-monthly-repayment\/\" 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\/Membeli-Rumah-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 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=\"2026-10-26T01:56:38+00:00\" >2026-10-26 01:56:38<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-10-26 01:56:38<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Membeli Rumah Pertama: Kos Selain Ansuran Bulanan yang Perlu Anda Rancang<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29430 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\/10\/22\/when-should-you-start-saving-for-retirement\/' data-rel='slide-1' class='slide-image' title='Bila Perlu Mula Menabung untuk Persaraan?'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Persaraan-ENG-260x185.jpeg\" class=\"wp-image-29432 avia-img-lazy-loading-not-29432 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\/22\/when-should-you-start-saving-for-retirement\/' title='Bila Perlu Mula Menabung untuk Persaraan?'>Bila Perlu Mula Menabung untuk Persaraan?<\/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\/22\/when-should-you-start-saving-for-retirement\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-10-22T02:17:12+00:00\" >Oktober 22, 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<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/10\/22\/when-should-you-start-saving-for-retirement\/\" 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\/Persaraan-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 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=\"2026-10-26T01:56:38+00:00\" >2026-10-22 02:17:12<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-10-22 02:17:12<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Bila Perlu Mula Menabung untuk Persaraan?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29425 slide-entry-overview slide-loop-4 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\/10\/19\/the-sandwich-generation-managing-money-while-supporting-parents-children-and-yourself\/' data-rel='slide-1' class='slide-image' title='Generasi Sandwich: Cara Urus Kewangan Bila Perlu Tanggung Ibu Bapa, Anak dan Diri Sendiri'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Generasi-Sandwich-ENG-260x185.jpeg\" class=\"wp-image-29426 avia-img-lazy-loading-not-29426 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\/19\/the-sandwich-generation-managing-money-while-supporting-parents-children-and-yourself\/' title='Generasi Sandwich: Cara Urus Kewangan Bila Perlu Tanggung Ibu Bapa, Anak dan Diri Sendiri'>Generasi Sandwich: Cara Urus Kewangan Bila Perlu Tanggung Ibu Bapa, Anak dan Diri Sendiri<\/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\/19\/the-sandwich-generation-managing-money-while-supporting-parents-children-and-yourself\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-10-19T03:59:42+00:00\" >Oktober 19, 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<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/10\/19\/the-sandwich-generation-managing-money-while-supporting-parents-children-and-yourself\/\" 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\/Generasi-Sandwich-BM.jpeg<\/span>\n\t\t\t\t\t\t<span 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03:59:42<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Generasi Sandwich: Cara Urus Kewangan Bila Perlu Tanggung Ibu Bapa, Anak dan Diri Sendiri<\/span><\/span><\/span><\/article><\/div><div class='slide-entry-wrap'><article class='slide-entry flex_column  post-entry post-entry-29417 slide-entry-overview slide-loop-5 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 loading=\"lazy\" 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 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itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Aset vs Liabiliti: Adakah Anda Sebenarnya Semakin Kaya atau Sekadar Semakin Banyak Komitmen?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29409 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\/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 loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Medical-Cards-EN-260x185.jpeg\" class=\"wp-image-29412 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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 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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-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\/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 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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=\"2026-10-26T01:56:38+00:00\" >2026-09-30 02:47:13<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-09-30 02:50:31<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Dana Kecemasan vs Sinking Fund: Ramai Masih Keliru \u2014 Simpanan Mana Untuk Apa?<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29311 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\/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'  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