- Kawal nafsu
- Hidup dengan kesederhanaan
- Belanja ikut belanjawan
- Beri dahulu, baru terima
- Gunakan pinjaman secara bijak
- Simpan duit secara berterusan
Sumber - Hidup Tenang Walaupun Berhutang / Shamsuddin Abdul Kadir / PTS
Notes from books / articles on Management, Motivation, Health Care and personal experiences
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