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Money can be an uncomfortable topic to talk about even among couples. There is a fine balance to keep when discussing financial matters as it can make or break your relationship. As unpleasant as it is for some couples to discuss their finances, managing your money as a couple is important – especially if you are planning for the future that involves children, college funds, and retirement plans. 1. Set A Time and Occasion to ‘Have the Talk’ It is easy to keep putting off uncomfortable discussions, especially when both parties would much rather avoid having the conversation. This could[…]

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[…]

A credit card is a great credit facility to have, and it can be especially helpful during emergencies. But when using this facility goes unchecked, it can become dangerously addictive to the user. It is nice to have such a spending tool at your disposal, but most users are under the impression that the credit limit on the card is free cash; it is not. The credit limit provided by the bank is basically how much you are allowed to “borrow” on the card. Here are five signs to identify a credit card addiction. 1. Hiding Their Credit Card Bills[…]

We start budgeting to ensure that we always have enough money in advance for the things we need or would like to do. However, once in a while, have you ever find yourself running out of money even though you’ve created a budget plan? Many people do not realise that they’re making crucial mistakes in their spending plan which eventually ended up costing them more. These mistakes often seem small and perhaps not even seem like one which leads you to overlook. Are you on a budget? Let’s identify if you possess any one of these common budgeting mistakes. Being unrealistic People[…]

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.[…]

The Covid-19 outbreak has resulted in many Malaysian workers to start working from home and minimise public gatherings. In other words, you will be spending most of your time staying at home to avoid contributing to the spread of disease. But hey, the more time you spend at home, the bigger the energy consumption. During this period of time, your electrical bills might be slightly higher compared to your normal weekdays. You must be thinking on the ways to save electricity during your prolonged period at home. But before that, let’s get to know the average usage cost of your[…]

Debt can be damaging if it gets out of control. Hence why you should be able to manage your debt wisely. Note that poor debt management will lead you to great financial strain in the future. However, debt can be good or bad depending on how you use it. But before that, how do we distinguish between the two? Good Debt When you take out a loan to purchase something that will increase in value overtimes, it’s different from borrowing for quick gratification. So you’re in debt for an investment? Yes! Debt can be an investment if you use it[…]

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[…]

Finally, after years of battling endless exams, teenage acne and crippling anxiety from the fear of being shunned by your peers, you’ve crossed the line into adulthood. You’ve just landed your very first job, one of the lucky few from your cohort to do so, and so soon after graduation. The rollercoaster is over, the intensity of your problems will soon pitter out because finally, you’re in the clear. Compared to the angst and grief of your teenage mutant (not quite a ninja) turtle years and the desperate frugality of college life, adulthood is going to be a breeze…right?  If[…]

Bundle stores. You may or may have not heard of it, but no one can deny its popularity. These stores have been trending for awhile now, especially among students and fresh graduates. This category of people have a very tight budget but they want to look good too! So how can they make a fashion statement without sacrificing an arm or a leg for it? Easy. They shop at bundle stores! Vintage Stores VS Bundle Stores In Malaysia, bundle stores are not to be confused with vintage stores. Vintage stores are selective with their collections, choosing only the rare prints[…]

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