ok this morning i dengar some financial tips on radio.
the topic was nisbah hutang. or debt percentage.
it's advisable that u don't exceed the percentage of more than 30%. less is better.
so how to know how much is ur debt percentage? easy..just total up all the monthly payment (car, credit card, personal loans and etc) divide by ur pay and times by 100. ooo...insurance does not count as debt.
ok time to count mine. i want to live in a debt free life...huhuhuhu...long way to go.