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Picture this: you’ve been queuing forever for your things, and as you finally approach the head of the queue after seemingly YEARS of waiting, you hear 3 horrifying words: “Sorry, cash only.”  How inconvenient! You scoff. Who even carries around cash nowadays? In the age of Paylah, Paywave, Grabpay and a plethora of other virtual payment options, carrying around cash could even be considered a faux pas in this generation.  And there’s certainly no reason to! Even our hawker centers are moving towards cashless options and all for good reason: virtual payments are safer, more convenient and even more effortless.[…]

I’m sure at some point in our lives, we’ve all wondered: when did my childhood end? When did our lives stop consisting of playgrounds and blistering summer heat, sleepovers with our best friends and waiting for our parents to check for the monsters that lived underneath our bed? Somewhere, along the stages of growing up, we’ve outgrown our childhood dreams and fears, where the monsters hiding in our closets turn into monthly letters hiding in our mailboxes. I’m sure we certainly treat our bills almost the same way we did our childhood demons: pretend it’s not there and it no[…]

Find yourself emptying the coins from your pockets or rummaging through the coin box in your car for spare cash every other month? You may be living beyond your means when you constantly find yourself stressed out over money. It’s barely halfway through the month but you’re already stocking your kitchen with instant noodles. Sometimes overspending may also be a sign of underlying emotional stress which causes people to comfort themselves through ‘retail therapy’. Our lifestyle choices dictate our spending habits. The way you choose to spend that extra dollar bill in your wallet is a choice. It would not[…]

Scams or fraudulent schemes have been prevalent since the beginning of time. Since the existence of money, there has always been some scheme created to part people from their hard-earned money. In this current age and time, pyramid schemes are usually disguised as multi-level marketing or MLM ventures as a means to scam unsuspecting victims. Inherently, most scams work because at the core of it all – greed prevails in the heart of men. And scammers know this well. They use this knowledge to their advantage and prey on people that are looking to get rich quick. It’s not just[…]

Valentine’s Day is regarded as a romantic but expensive occasion by most couples, and this is mostly due to retail companies jacking up their prices during the celebration. As soon as February starts, one can expect the costs of flowers, chocolate arrangements and dinner plan to be more expensive than usual. With that said, you do not need to burn a hole in your wallet to celebrate the occasion well. It is possible to have an enjoyable, budget friendly Valentine’s Day with these following tips. 1. Cook The Meal There’s nothing more attractive to a woman than a man who[…]

It’s that time of the year, bring out the pen and paper for new year resolutions. If you are planning on making new year resolutions that are financially relevant in 2020, then stay on board and let’s look at the options. Thinking about improving your financial state and to have good financial health for 2020 is a great mindset to have for the new year. On your own, reflect on 2019. Are you happy with how it went? If you could do things differently about your finances and lifestyle in the previous year, what would they be? Now it’s a[…]

Here’s the question. What do you think is the best investment for your money? For all it’s worth, you invest in all the different investment instruments known in the market. It ranges from conventional fixed deposit accounts to unit trusts, REITS and shares, to more recent tech-led investments such as robo-advisory and bitcoins. In fact, investors from all over the world are in pursuit of that investment which can give them a handsome and guaranteed return. Now, that’s a dream venture that most people are looking for, hence all the pump and dump schemes you see on the news. After[…]

As parents, what are your biggest concerns? It’s not too far fetch to say that your children are one of your greatest priorities in life. We all want the best for our little ones – right from the very first time we hold them in our arms, to the time they can finally stand on their own feet. Everything about them matters to us. Whether they have enough to eat, to wear, a good school to go to and if they can get into a choice higher institution and carve a career for themselves. And as parents, that would mean[…]

Wedding is a beautiful affair, but it can also be costly to those who are not prepared for it. A typical wedding can set couples back by at least an average of RM50,000 in Malaysia and even up to $100,000 in Singapore.  Fortunately, you don’t necessarily have to break the bank to make your wedding memorable. Here are some smart ways to save on your wedding for a wallet-friendly event. The last thing you want is to put a strain on your relationship after marriage due to financial issues. This issue is especially prevalent among divorce cases in Malaysia in[…]

Money and happiness. For most of us, we live in a make belief world of if-onlys. If only I had a better car, if only I can travel, if only I can afford better clothes…We believe that once we can afford these things, only then we can be genuinely satisfied with our lives. But is there a basis to such a belief? Researchers and experts have long debated and discussed the true factor to happiness. And along with it, is how happiness is related to money. It’s inevitable. In our society, money is important. We need money to eat. We[…]

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