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Experiencing setbacks is part and parcel of life and it’s no different when it comes to our finances. Be it a major financial setback like a layoff or a minor setback like an unexpected car repair, both can hit us emotionally and psychologically if you’re not financially well-prepared. If you find yourself dealing with any financial setback, consider following these steps below to get you back on track.  Assess your current situation Having an emergency fund worth at least 6 months of your expenses will be a big help during this dire time. But what if your savings is not[…]

They said that building wealth is pretty straightforward. You just have to earn more, save more or invest more. But if growing wealth is that simple, why are many of us still living from paycheck to paycheck? If you notice that in every movie, there will always be that one antagonist who tries to mess everything up. In our world of finance, there are several common enemies that are eating up a chunk of our wealth much faster than we can imagine. These enemies will stop your money from growing even after all the hard work. Here are the 6[…]

I grew up in a middle-class income family. Money was certainly not something my mother would coin as easy. If there’s anything I remember about money as a child, it would be her favourite phrase – “You think money grow on trees ah??” in a typical Asian mum fashion. With two working parents, we had enough growing up. It wasn’t luxurious, but we weren’t entirely deprived either. There were enough to eat, we had a decent roof over our heads and the privilege of going to school. There were occasions where my parents gave in when I relentlessly wanted something,[…]

Cashless Society. We’re currently at an age where money is slowly becoming less tangible as it is replaced by its digital equivalent – whether in the form of Bitcoin or digital wallets. Today, e-wallets are practically everywhere and Malaysia and Singapore are not exempted from it. But the e-Wallet industry is competitive, as more apps are created to help us make a smooth payment method. Which is why we’ve listed our favorite e-Wallets in both Malaysia and Singapore just for you. Enjoy! Singapore: FavePay FavePay offers two things any Singaporean can’t ignore – cashbacks and discounts!  This e-Wallet is the[…]

Credit cards are extremely useful financial tools that can be helpful during emergencies. However, there can be long-term consequences that will affect your life and financial stability if it’s mismanaged. Working out of the shackles of credit card is no easy task and it will take a good amount of time and dedication. It is an arduous process, but certainly not impossible to achieve. If you feel you have reached a point with your finances where you are unable to manage, then it wise to seek professional help. In this case, credit counselling is highly recommended.  Credit counselling is also[…]

Did you know that talent, money and looks aren’t always factors for success? It’s true! It’s easy to believe that only certain people will ever be successful in life but you’ve been misdirected. What makes someone rich and successful, ladies and gentlemen, are habits. Yes, you read that right. HABITS! Today we have 8 special tips and habits of the rich and successful for your guidance: 1.       They Read a Lot Reading is an enriching experience and rich and successful people know this. According to Tom Corley, the difference between rich people’s reading habits and poor people’s[…]

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