PTPTN Loan Cleared!

Previously I have proudly mentioned about my PTPTN loan status HERE, and now I am even prouder to know that I have managed to clear off my PTPTN loan. Now I have one debt lesser from my list. I don't know if this has anything to do with Law of Attraction (click HERE) or not, but I know that ever since I was in uni, I'd already told myself that I must clear off my PTPTN loan, though I didn't set a time-frame for that.

 

Thanks to government's initiative to offer 20% discount on the outstanding loan balance before 30 September 2013, I managed to save up RM2k++. I'd never thought that I will use up my savings to clear off the PTPTN loan. In fact when I first heard of it, it never even crossed my mind to do that. Because I still haven't manage to build my own emergency fund of 6 months pay, which was always being recommended by financial planners.

 

So did I even manage to do that? Well, I just had this sudden thought in one single morning when I woke up and then I tried to check out the procedures required. Happened that it is quite simple. And happened that JY and GT was contemplating the same too. I just had to call up PTPTN office to email me the Surat Pengesahan Baki to confirm how much loan balance I need to clear after the given 20% discount. Lesser waiting time because I have a friend who waited quite long at the PTPTN office just to get the letter.

 

Next, just need to go to the PTPTN office to make the full lump sum payment. You need to pay full sum in order to qualify for the 20% discount. Even if you pay several times within a week and managed to clear the loan, you won't get the 20% discount because admin charges might be incurred if the payment was received beyond statement date. You can pay via cash, or bank draft or cheque. You can even make online payment.

 

But since GT is paying it in the PTPTN office and he was kind enough to help me pay, I just passed him the cash in envelope. And I was thinking that I can immediately get the Surat Pelepasan Hutang to indicate that I no longer owe PTPTN. But in the end we still need to wait for at least a month for the Surat Pelepasan Hutang due to the overwhelming response from public to clear off the debt in order to take advantage of the 20% discount offered.

 

Well, I need to build back my savings but it is such a big relief and satisfaction to know that I can strike a debt off my list.

Law of Attraction

I am trying to resume my reading routine though it was a bit messy currently. But at least I started somewhere. I would like to share an interesting part from The Secret. Have you heard about Law of Attraction? When I first heard about it, I couldn't agree more. It may talk about a lot more but I would like to sum it up in one word, FAITH. 3 steps is all you need:

 

1. ASK

Ask yourself what you want. Set a clear goal. Better if it can be measurable and quantified.

 

2. BELIEVE

Believe that it is going to happen. Believe that it is already happening.

 

3. RECEIVE

Feel good when you receive it. You might need some action to manifest it but it should be an action to receive, not an action to make it happen.

 

You may not really understand what I am writing here, but if this intrigues you, go ahead and read The Secret or search YouTube for the short video to get some idea.

 

So after these 3 steps, how will things happen? Universe will align itself to match your thoughts. So remember, thoughts become things and you are the master of your own thoughts. Affirmative thoughts are always much stronger than negations. So you will attract things to happen the positive way if you practice the 3 steps above. And it is none of your business to know how will the Universe align itself to your wish. I like this short excerpt below:

 

Think of a car driving through the night. The headlights only go a hundred to two hundred feet forward, yet you can drive it all the way through a two thousand feet journey through the dark, because all you have to see is the next two hundred feet.

 

That's how life unfolds before us. If you trust that the next two hundred feet will unfold after that, and the next two hundred feet will unfold after that, your life will keep unfolding. And you will reach destination in the end, just because whatever it is you truly want, you get it because you want it.

 

Well written, don't have to think too far but you can visualize the outcome. From there, you just need to take things one at a time with your goal clear in mind. And wahlah.... the Law of Attraction works each time, with unwavering faith.

To Be Eight Again

Another joke about how man and woman interpret thing differently. Can't help it, huh? I don't know if it's due to my current life or if it's really funny, but I really laughed out loud silently in the office when reading this... Hope you find this funny too as I do think that it helps to remind me to take things easy....

A man was sitting on the edge of the bed, watching his wife, who was looking at herself in the mirror. Since her birthday was not far off, he asked what she would like to have for her birthday.

 

"I'd like to be eight again," she replied, still looking in the mirror.

 

On the morning of her birthday, he arose early, made her a nice big bowl of Coco Pops, and then took her to Adventure World theme park. What a day! He put her on every ride in the park; the Death Slide, the Wall of Fear, the Screaming Roller Coaster, everything there was. Five hours later they staggered out of the theme park. Her head was reeling and her stomach felt upside down. He then took her to a McDonald's where he ordered her a Happy Meal with extra fries and a chocolate shake.

 

Then it was off to a movie, popcorn, a soda pop, and her favorite candy, M&M's. What a fabulous adventure!

 

Finally she wobbled home with her husband and collapsed into bed exhausted.

 

He leaned over his wife with a  big smile and lovingly asked, "Well Dear, what was it like being eight again?"

 

Her eyes slowly opened and her expression suddenly changed, "I meant my dress size, you RETARD!"

 

The moral of the story: Even when a man is listening, he is going to get it wrong.