i remembered, 2 years ago i had a very complicated financial crisis. i graduated from a private university with a gunny of debts on my back. i paid rm64k for my 4-year course in advertising, and i find out later i was charged rm96k including 3-4% interest by PTPTN.
i survived the heart attack.
from rm150 for the monthly payment, half went to pay the interest. so i couldn't imagine about all this process of the never ending payment. could you? the contract said i have 25 years to settle it down, and i already wasted 2 years.
i only paid rm50 last time, but the money has lost in cyberspace because of their stupid online payment. now i'm facing letter by letter from the solicitor. i can be sued. all my privileges could be taken away from me.
i wanted to pay, but how could i pay when i earned lesser than i should. i did various of work to survive my living. i hopped from one job to another. i really had tasted the bitter side of life since i lived apart from my family. i tried to prove, not to anyone but myself, that i could stand on my own feet.
it's nothing wrong for me not to work in advertising or design field. i preferred to do sales and i was pretty choosy over what i sell. after several attempts, i landed in property industry. an industry that i had been eyeing for so long (i actually picked property as my final year project assignment), but i just had not enough guts to play with fire.
anyway, i am glad now that i made the right decision! i get to enjoy the commission (5 figures commission in total) which i claim little by little to cut down the tax. hehe. but u see, why do i do that? cos it's simply not enough. i am not one little greedy creatures but i guess the hard-to-satisfied esteem in me are actually a good virtue. and it's not everyday that i get to sell these bloody units. plus, it can be tough too.
i hate the meetings. i dont like tan sri who owns this company. i fear the word 'TARGET' most. like i'm most likely to be shoot by a shooter. i hate monday cos we have meetings every monday. i also hate friday cos sometimes we also have meetings on friday. other days tan sri or GM or whoever will also drop by so basically i hate everyday of my life.
including saturday & sunday cos i also have to work odd hours and odd days.
n the story will continue... muah!
i survived the heart attack.
from rm150 for the monthly payment, half went to pay the interest. so i couldn't imagine about all this process of the never ending payment. could you? the contract said i have 25 years to settle it down, and i already wasted 2 years.
i only paid rm50 last time, but the money has lost in cyberspace because of their stupid online payment. now i'm facing letter by letter from the solicitor. i can be sued. all my privileges could be taken away from me.
i wanted to pay, but how could i pay when i earned lesser than i should. i did various of work to survive my living. i hopped from one job to another. i really had tasted the bitter side of life since i lived apart from my family. i tried to prove, not to anyone but myself, that i could stand on my own feet.
it's nothing wrong for me not to work in advertising or design field. i preferred to do sales and i was pretty choosy over what i sell. after several attempts, i landed in property industry. an industry that i had been eyeing for so long (i actually picked property as my final year project assignment), but i just had not enough guts to play with fire.
anyway, i am glad now that i made the right decision! i get to enjoy the commission (5 figures commission in total) which i claim little by little to cut down the tax. hehe. but u see, why do i do that? cos it's simply not enough. i am not one little greedy creatures but i guess the hard-to-satisfied esteem in me are actually a good virtue. and it's not everyday that i get to sell these bloody units. plus, it can be tough too.
i hate the meetings. i dont like tan sri who owns this company. i fear the word 'TARGET' most. like i'm most likely to be shoot by a shooter. i hate monday cos we have meetings every monday. i also hate friday cos sometimes we also have meetings on friday. other days tan sri or GM or whoever will also drop by so basically i hate everyday of my life.
including saturday & sunday cos i also have to work odd hours and odd days.
n the story will continue... muah!
2 comments:
PTPTN is really crazy and unorganized! After settled my loan, they sent a letter asking for admin fee..ape kejadah nye? haha kan..dun u think after u settled ur debt than u got nothing to do with the bank?? seriously out of mind :)
yeh it's so true! the charges are ridiculous but do we have other choice btw.. sigh~ for banks, if u pay them lumsum before the duration end, yes u will get a penalty but PTPTN??
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