Hello readers, as I've officially graduated for about 2 months and it's now month of January in the blink of an eye, I ought to be responsible to pay for my PTPTN loans. Therefore, I spared some time to read and understand about the guidelines given on PTPTN official website, so that I can share it to each and everyone of you if you would like to figure out the steps of paying PTPTN loans easily like me.

According to education part -PTPTN repayment in Budget 2018, there are several incentives to be extended until Dec 2018: 

EXTRA: 

The grace period given for the settlement of loans has been extended to 12 months after their studies have ended, which means we can pay it after one year of graduation. I think it's quite good for those who like to further their studies after degree as there is probably no stable income or salary as a student.

So let's get started to know more about the ways to pay PTPTN loans ! There are several ways stated as below: 

FIRST METHOD: Pay through FPX system on PTPTN portal

• Go to PTPTN official website: https://www.ptptn.gov.my/web/guest/anjung
• Click icon of Semakan Penyata Pinjaman

• Insert IC no and check

• Login the portal with IC no and password

• Pay via FPX system

SECOND METHOD: Pay through bank portal 

THIRD METHOD: Direct Debit (Make sure you use latest version of Firefox to apply)

• Go to PTPTN official website: https://www.ptptn.gov.my/web/guest/anjung
• Click the icon of 'Pemohonan Direct Debit'

• Click 'Mohon Direct Debit Pinjaman'

• Insert IC no and check

• Login the portal with IC no and password

• It shows the minimum amount that you have to pay monthly and you can fill in the same amount or more than that. 
• Afterwards, you need to pay RM1 for deposit to apply. The application of direct debit is actually free of charge but the application of working day is 3 days. You will receive RM1 back once your application is successful.
• The amount that you fill in will be automatically deducted each month after your bank account and bank details are accessed to be verified.

FORTH METHOD: Pay through JomPAY on bank portal

For the method that is introduced by PTPTN official website, JomPAY, I think it's actually quite complicated and it may take some time.

• Go to PTPTN official website: https://www.ptptn.gov.my/web/guest/anjung
• Click icon of 'Semakan Jom Pay'
• Insert IC no and check
• It will show 'PINJAMAN UJRAH' and there are some references of JomPAY, which are Biller Code, Ref-1 and Ref-2 (your contact no).  

I did not print screen due to privacy matter that may cause some inconveniences. You have to jot them down as they are very important for transaction of money. I tried with Maybank2u but it showed temporarily unavailable for the transaction so I'm not sure whether JomPAY is still available to access or not.

To pay it constantly and to have the 10% discount, I've applied the Direct Debit through PTPTN official website and the application is still in process (3 working days). You can choose to pay minimum amount of debt each month or more than that and RM200 will be paid monthly by rounding off the decimal places of RM192++ something with my own financial ability. RM200 x 10% = RM20/month to be discounted by government, which means RM20 x 12 months = RM240 as yearly rebate.

Be grateful that most of us were provided with PTPTN loan for our expenses in university and also with the flat interest rate of only 1% p.a only to pay the debts after graduation. Encouraging fresh graduates to pay for the loans to ensure the continuous benefits offering to others who really need for it in future !

That's all for the sharing, I hope this article is helpful for fresh graduates like me ! 💗

It's page 8 of 365 days in year 2018 today and I have actually made a NEW YEAR RESOLUTIONS for myself to be a better me. It's actually my first time ever doing this as every year I wish myself to save more money and also to join more Buddhist activities as I can. As I've read some articles from internet, setting the goals or resolutions is an important first step to achieve. I bet most people are struggling to commit or stick with the resolutions in one whole year after setting them. 

No doubts, it's hard to achieve if your goals are not:

• Specific
• Realistic 
• Achievable 
• Time-bound 

Let's take an example - Getting good CGPA in university. Instead of setting a general one, you must have a goal: How far is the range of CGPA ? Perhaps, at least 3.50 out of 4.00. For university students, this goal is realistic. To make sure it is achievable, if your current CGPA is now 3.45, you need to figure out the range of GPA that you are going to score for two semesters for this year (I assume local university). Also, what intermediate actions are needed to take so that you can achieve your goals ! 

Go ahead and let's make new year's resolutions ! So today I'm going to share about some highlights in 2017 and also my 2018 resolutions ! 

HIGHLIGHTS IN 2017: 

1. Challenging myself for some outdoor activities 🏊🌊

I have either river or sea phobia since I was small (I played water at the riverside and I fall into the river) and I don't know how to swim actually. Yet, I have a bunch of playful and courageous friends who tend to challenge for some extreme activities. I joined them to play WATER RAFTING level 4 in Padas River, Beaufort, Sabah. Till now, it's still unbelievable. I was too naive as I thought it was the indoor activity in human-made river. I kept watching the river flows and non-stop paddling, just not to fall into the fast-flow river. Anyway, it's an unforgettable memories with them but I would never go water rafting again unless the level is only level 1 or level 2. 😅😅

Second activity is also water activity- SNORKELING. There are so many beautiful islands in Sabah and actually Pulau Mantanani is my first island so far that I have ever visited. Again, I'm afraid of water. Yet, I tried my best to learn swimming with the guidance and teaching of my roommate, at least I was managed to know breathing in the water and swim for short distance without raising my head to take breath. And also with the helping hands of my frens, I could enjoy snorkeling at last but I need people to hold my hands.

2. Three months of internship & 1 month part-timer 

I ended my internship in Plexus Manufacturing Sdn.Bhd (Riverside) for three months and truly to say, I gained less knowledge about the job scopes of buyer but I comprehended life experiences. The reason of choosing this company was actually the high salary and better benefits (EPF and Socso are available) and also to experience the office-hours job. I understand myself well that I don't like to be bounded by office hours unless the job is really meaningful for me or because of higher salary -definitely not long term. I know myself more and at least I know what are the pathways that I refuse to work in future. 

After my industrial training, I worked as part-timer in Maha Mangala Natural Health Sdn.Bhd. @  Awakenings Cafe (Vegetarian). My main job scope was actually dealing with outlets for merchandise purposes and the rest of time I would be kitchen helper in cafe. I was really grateful to have this experiences and meet nice and caring colleagues. I'll definitely go back to be helper to help around in the cafe if I have some free time. 

3. Graduation of Degree 🎓

Yea I have officially graduated from University Malaysia Sabah (UMS) with Bachelor of Mathematics with Economics (Hons) after three years ! My family members flew all the way from Penang to Sabah to attend and celebrate for it. Although my targeted CGPA is not achievable, I still achieve my goal to improve my CGPA semester by semester, as long as my efforts are paid off. Somehow we need to be grateful. 💗

4. Travelling to 4 states and 3 countries 🚌🚆🚄✈

No doubts, the road trips that I shared before - 4 states which are Kedah, Perak, KL (Bkt Tinggi, Pahang) and also Johor. While for the countries, Thailand-Dannok, China-Shanghai,Suzhou,Wuzhen, Hangzhou and also Singapore.I'm going to share about the travels in China and Singapore so soon. STAY-TUNED ! 

5. Getting offers of Master in USM & UM

Except my family and some frens, I don't tell anyone temporarily as it's still not the right timing. My mood was like a roller-coaster seriously as I was getting offers of different courses from different university in different time of period. When I applied USM, I didn't expect they have intake for second semester. Hmmm it would be a long story about my master application and I'll share it after everything is confirmed as there is still an uncertainty.

NEW YEAR'S RESOLUTIONS IN 2018

1.  Start and end each day with the song of The Chant of Metta 
2.  Meditate for at least 5-10 minutes before sleeping
3.  Study hard to complete Master (to be confirmed yet)
4.  Learn self-financial management -money savings
5.  Be an active blogger to share articles that are useful, helpful, inspirational and motivational
6.  Be passionate in interests - sketching, drawing, singing, writing and doing yoga
7.  Read at least one book per month
8.  Take part in those writing competitions (at least once/year)
9.   Learn more or get involved for the skills or things that I don't know or I'm not familiar 

Lastly, happy new year all ! May year 2018 grow with good cheer and gratitude ! 💜💙💚

这三年的大学生涯，的确是在忙于学业与活动中、探索并尝试新事物中划上完美的句点。沙巴大学- 数学与经济系是其余两所研究大学以外的首选，不知当初填写申请表时哪来的勇气，选择了这科系（上了中六比较害怕数学，但挺喜欢数学的），心里只是很清楚的想要选择这一所大学。或许是中六时期，不少老师的鼓励，鼓励我们到离家远一点的大学去升学，去体验和探索新的环境与陌生的土地。老师们也以他们过去曾在沙巴的经验分享给我们，并且还极力推荐沙巴这美丽的地方，因此才造就了这因缘，申请了这大学也顺利来到了这里求学了三年（虽然当时没得到研究大学的科系是蛮失望的😞😞）。