{"id":29460,"date":"2026-11-09T09:27:09","date_gmt":"2026-11-09T09:27:09","guid":{"rendered":"https:\/\/xanderia.com\/?p=29460"},"modified":"2026-11-11T06:59:37","modified_gmt":"2026-11-11T06:59:37","slug":"back-to-school-expenses-how-to-prepare-without-the-last-minute-rush","status":"publish","type":"post","link":"https:\/\/xanderia.com\/my\/blog\/2026\/11\/09\/back-to-school-expenses-how-to-prepare-without-the-last-minute-rush\/","title":{"rendered":"Belanja Sekolah Anak: Cara Bersedia Tanpa Kelam-Kabut Setiap Kali Sesi Baharu"},"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\"  >Belanja Sekolah Anak: Cara Bersedia Tanpa Kelam-Kabut Setiap Kali Sesi Baharu<\/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='29462'  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: 39.9375%;' ><li  class='av-single-slide slide-1' ><div data-rel='slideshow-1' class='avia-slide-wrap'   ><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-29462 avia-img-lazy-loading-not-29462\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM.jpeg\"  width=\"1600\" height=\"639\" title='Belanja sekolah (ENG)' alt='' itemprop=\"thumbnailUrl\"  srcset=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM.jpeg 1600w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM-300x120.jpeg 300w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM-1030x411.jpeg 1030w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM-768x307.jpeg 768w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM-1536x613.jpeg 1536w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM-18x7.jpeg 18w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM-1500x599.jpeg 1500w, https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-BM-705x282.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-29460'><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>\u201cMa, kasut dah sempit.\u201d<\/p>\n<p>\u201cBaju sukan kena beli baharu.\u201d<\/p>\n<p>\u201cCikgu kata minggu depan kena bawa duit.\u201d<\/p>\n<p>Kalau ada anak bersekolah, ayat begini memang biasa didengar. Cuma kadangkala, semuanya datang serentak ketika baki gaji pun sudah tinggal untuk belanja dapur.<\/p>\n<p>Bukan kita terlupa anak hendak masuk sekolah. Tetapi apabila perlu membeli untuk dua atau tiga orang sekali gus, barulah terasa besarnya jumlah yang perlu disediakan.<\/p>\n<h2>Barang nampak kecil, jumlahnya boleh buat terdiam<\/h2>\n<p>Sepasang kasut, beberapa helai pakaian, alat tulis, beg dan keperluan lain. Satu barang mungkin nampak tidak mahal. Bila dicampur semuanya, lain ceritanya.<\/p>\n<p>Itu belum termasuk duit pengangkutan, makan dan bayaran lain yang dimaklumkan oleh pihak sekolah.<\/p>\n<p>Sebab itu, persediaan sekolah elok bermula dengan melihat keseluruhan keperluan. Kalau hanya mengira harga pakaian dan kasut, mudah untuk kita terlepas pandang perbelanjaan yang menyusul selepas hari pertama persekolahan.<\/p>\n<h2>Sebelum pergi kedai, buka almari dahulu<\/h2>\n<p>Cuba ajak anak keluarkan semula pakaian, kasut dan alat tulis yang masih ada.<\/p>\n<p>Baju mana masih muat? Beg masih kukuh atau hanya zip yang perlu dibaiki? Pensel warna masih lengkap? Ada buku tulis yang belum digunakan?<\/p>\n<p>Kadangkala, barang yang kita hampir beli sebenarnya masih tersimpan elok di rumah.<\/p>\n<p>Tidak semua benda perlu baharu hanya kerana sesi persekolahan bertukar. Yang penting, anak ada keperluan yang sesuai, selesa dan boleh digunakan.<\/p>\n<h2>Bezakan yang anak perlu dengan yang anak teringin<\/h2>\n<p>Kasut yang sudah sempit memang perlu diganti. Beg yang masih elok tetapi mahu ditukar kerana kawan ada beg baharu boleh dibincangkan dahulu.<\/p>\n<p>Anak mungkin belum faham kenapa kita boleh membeli satu barang tetapi menangguhkan yang lain. Terangkan dengan cara mudah.<\/p>\n<p>\u201cBulan ini kita beli kasut dulu sebab kaki adik dah sakit. Beg masih boleh pakai, nanti kita rancang semula.\u201d<\/p>\n<p>Perbualan kecil begini boleh membantu anak memahami bahawa wang ada had dan pembelian perlu mengikut keutamaan. Kita tidak perlu membuat mereka rasa bersalah kerana meminta.<\/p>\n<h2>Simpan sedikit sebelum senarai panjang itu sampai<\/h2>\n<p>Katakan anggaran keperluan sekolah semua anak ialah RM900. Jika ada enam bulan untuk bersedia, sasaran simpanan ialah RM150 sebulan.<\/p>\n<p>Angka ini sekadar contoh. Gunakan jumlah yang sesuai dengan keperluan keluarga dan kemampuan sendiri.<\/p>\n<p>Asingkan wang itu dalam tabung atau akaun khas. Jika RM150 terasa berat, mulakan dengan jumlah yang mampu dan semak barang apa yang boleh dibeli secara berperingkat.<\/p>\n<p>Pakaian dan kasut pula elok dibeli apabila saiz anak lebih pasti. Murah ketika promosi pun belum tentu menjimatkan jika sudah tidak muat apabila hendak dipakai.<\/p>\n<h2>Jangan habiskan semuanya sebelum sekolah bermula<\/h2>\n<p>Selepas membeli barang utama, cuba tinggalkan sedikit baki untuk keperluan yang baru dimaklumkan kemudian.<\/p>\n<p>Maklumat daripada sekolah mungkin diterima secara berperingkat. Ruang kecil dalam bajet boleh membantu supaya setiap pesanan baharu tidak terus menjadi satu lagi kerisauan.<\/p>\n<p>Jika wang masih tidak mencukupi, hubungi pihak sekolah lebih awal untuk bertanya tentang bantuan yang tersedia atau sama ada bayaran tertentu boleh diatur. Tidak perlu menunggu sehingga keadaan terlalu mendesak untuk bertanya.<\/p>\n<p><strong>Persediaan sekolah bukan pertandingan siapa membeli paling banyak atau paling baharu. Yang kita mahu ialah anak masuk sekolah dengan keperluan yang cukup, sementara belanja rumah masih terjaga.<\/strong><\/p>\n<p>Bila sedikit demi sedikit sudah disediakan, ayat \u201cMa, sekolah nak buka\u201d mungkin tidak lagi membuat kita terus mengira baki dalam kepala.<\/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-29460 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\/11\/09\/back-to-school-expenses-how-to-prepare-without-the-last-minute-rush\/' data-rel='slide-1' class='slide-image' title='Belanja Sekolah Anak: Cara Bersedia Tanpa Kelam-Kabut Setiap Kali Sesi Baharu'><img decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Belanja-sekolah-ENG-260x185.jpeg\" class=\"wp-image-29462 avia-img-lazy-loading-not-29462 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\/11\/09\/back-to-school-expenses-how-to-prepare-without-the-last-minute-rush\/' title='Belanja Sekolah Anak: Cara Bersedia Tanpa Kelam-Kabut Setiap Kali Sesi Baharu'>Belanja Sekolah Anak: Cara Bersedia Tanpa Kelam-Kabut Setiap Kali Sesi Baharu<\/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\/11\/09\/back-to-school-expenses-how-to-prepare-without-the-last-minute-rush\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-09T09:27:09+00:00\" >November 9, 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\/11\/09\/back-to-school-expenses-how-to-prepare-without-the-last-minute-rush\/\" 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\/Belanja-sekolah-BM.jpeg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>639<\/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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post-format-standard'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><a href='https:\/\/xanderia.com\/my\/blog\/2026\/11\/02\/your-salary-went-up-so-why-does-money-still-feel-tight-understanding-lifestyle-inflation\/' data-rel='slide-1' class='slide-image' title='Gaji Naik, Tapi Hidup Masih Sesak? Kenali Inflasi Gaya Hidup Sebelum Ia Jadi Kebiasaan'><img decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Salary-ENG-260x185.jpeg\" class=\"wp-image-29457 avia-img-lazy-loading-not-29457 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\/11\/02\/your-salary-went-up-so-why-does-money-still-feel-tight-understanding-lifestyle-inflation\/' title='Gaji Naik, Tapi Hidup Masih Sesak? Kenali Inflasi Gaya Hidup Sebelum Ia Jadi Kebiasaan'>Gaji Naik, Tapi Hidup Masih Sesak? Kenali Inflasi Gaya Hidup Sebelum Ia Jadi Kebiasaan<\/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\/11\/02\/your-salary-went-up-so-why-does-money-still-feel-tight-understanding-lifestyle-inflation\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-11-02T09:24:17+00:00\" >November 2, 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\/11\/02\/your-salary-went-up-so-why-does-money-still-feel-tight-understanding-lifestyle-inflation\/\" 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\/Salary-BM.jpeg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>639<\/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=\"2026-11-09T09:27:09+00:00\" >2026-11-02 09:24:17<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-11-11 07:00:09<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Gaji Naik, Tapi Hidup Masih Sesak? Kenali Inflasi Gaya Hidup Sebelum Ia Jadi Kebiasaan<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29447 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\/30\/an-investment-offer-too-good-to-be-true-spot-the-warning-signs-before-you-transfer-money\/' data-rel='slide-1' class='slide-image' title='Tawaran Pelaburan Terlalu Menarik? Kenali Tanda Amaran Sebelum Memindahkan Wang'><img loading=\"lazy\" decoding=\"async\" width=\"260\" height=\"185\" src=\"https:\/\/xanderia.com\/wp-content\/uploads\/2026\/10\/Investment-ENG-260x185.jpeg\" class=\"wp-image-29448 avia-img-lazy-loading-not-29448 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\/30\/an-investment-offer-too-good-to-be-true-spot-the-warning-signs-before-you-transfer-money\/' title='Tawaran Pelaburan Terlalu Menarik? Kenali Tanda Amaran Sebelum Memindahkan Wang'>Tawaran Pelaburan Terlalu Menarik? Kenali Tanda Amaran Sebelum Memindahkan Wang<\/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\/30\/an-investment-offer-too-good-to-be-true-spot-the-warning-signs-before-you-transfer-money\/#respond'>0 Comments<\/a><\/div><div class='slide-meta-del'>\/<\/div><time class='slide-meta-time updated'  itemprop=\"datePublished\" datetime=\"2026-10-30T09:20:42+00:00\" >Oktober 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<div class=\"read-more-link\"><a href=\"https:\/\/xanderia.com\/my\/blog\/2026\/10\/30\/an-investment-offer-too-good-to-be-true-spot-the-warning-signs-before-you-transfer-money\/\" 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\/Investment-BM.jpeg<\/span>\n\t\t\t\t\t\t<span itemprop='height'>639<\/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=\"2026-11-09T09:27:09+00:00\" >2026-10-30 09:20:42<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-10-29 09:22:52<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Tawaran Pelaburan Terlalu Menarik? Kenali Tanda Amaran Sebelum Memindahkan Wang<\/span><\/span><\/span><\/article><article class='slide-entry flex_column  post-entry post-entry-29442 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\/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 loading=\"lazy\" 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=\"2026-11-09T09:27:09+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><\/div><div class='slide-entry-wrap'><article class='slide-entry flex_column  post-entry post-entry-29436 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\/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 loading=\"lazy\" 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=\"2026-11-09T09:27:09+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-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\/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=\"2026-11-09T09:27:09+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-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\/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 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=\"2026-11-09T09:27:09+00:00\" >2026-10-19 03:59:42<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-10-19 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><article class='slide-entry flex_column  post-entry post-entry-29417 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\/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 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 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=\"2026-11-09T09:27:09+00:00\" >2026-10-16 08:45:20<\/span><span class='av-structured-data'  itemprop=\"dateModified\" itemtype=\"https:\/\/schema.org\/dateModified\" >2026-10-16 08:49:27<\/span><span class='av-structured-data'  itemprop=\"mainEntityOfPage\" itemtype=\"https:\/\/schema.org\/mainEntityOfPage\" ><span itemprop='name'>Aset vs Liabiliti: Adakah 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