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We have to pay higher interest payment

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Muflis
Overspending

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debt can lead to stress and serious medical problems

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-credit damage
- overspending

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- Harder to track spending

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stress tanggung hutang banyak

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-overspending

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1.High interest
2.

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Effect your credit score

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- risk of getting into debt
- risk of ruining your credit score

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Affect your ability to get a job or your ability to rent apartment etc

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1. overspending
2. risk of getting into debt

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1. kena bayar faedah yang tinggi
2. risiko kepada hutang yang terlalu banyak
3. akan jadi depression
4. kawan kawan jauhkan diri

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1. hard to pay off the balance
2. will make an argument among family members

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OVERSPENDING
BLACKLIST
BANKRUP

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Blacklist
Interest make it harder to pay off the balance

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pay more interest fee