I love vacation. It’s the perfect way to reduce stress and refresh your mind. Besides that, going to a new country will give you a new perspective. You will learn about new people, their cultures and their language. My favorite memories are from trips I took abroad. Activities such as doing a bungee jump in […]
To build wealth, it does not have to be fancy. An easy and best way to save money is simply making sure you set aside a little bit each month. It’s no secret that with the cost of living rising, saving money is more important than ever. Here are the Top 7 reasons why you should start saving […]
Guide Malaysia This post is for people who are looking to get their retirement sorted out. I’m going to talk about what is PRS (Private Retirement Scheme), how it works, and why you should be using one. This will give you some information so that you can make an informed decision on whether or […]
When I was working in corporate companies, I was approached by a few Unit Trust consultants. I did invest in Unit Trust by using my EPF savings after being convinced of the potential returns. As I was not really understood how Unit Trust works, I gave 100% trust to the consultant to choose the funds […]
Dave Ramsey is a well-known financial guru who has radio show and other media presence. He has helped millions of people get out of debt and educate them on money management. Ramsey has written more than 15 books. One of the best-selling is The Total Money Makeover. The Total Money Makeover by Dave Ramsey In […]
Budget is a basic and effective skill in financial planning. Budget summarises the expenses of your money or measurement of your finances. A good analogy of budget is like you bake a cake. There are measurements for every ingredient such as sugar, flour, butter, etc. If you put the flour too little, then the cake would […]
When I was working in corporate, I never thought of retirement. I was so busy with routines; office works and things I need to do when back home. However, I witnessed one of my relative’s struggles. Before he worked in a giant oil & gas company. He earned a good income. He and his family […]
In life, things happen all the time. As much we want to predict the future, sometimes reality does bite and give us surprises. It could be your car gets flat tires or a major breakdown, or you lose your job or you get a pay cut. These are examples of things that might pop up […]
If you want to start savings for long-term, which one should be the priority? Your retirement or your kid’s college? My answer: Your RETIREMENT. Why? #1. Duration Kid’s college: Typically about 4-5 years. Retirement: It may last 25 -30 years. # 2. Survival Kid’s college: Luxury. There are options to select either an expensive or a […]
Saving money is not necessarily from spending less or setting up an emergency fund. You also can save money by getting a good deal. Here’s 3 ideas on negotiating big purchases; Get as much info or knowledge about the product. Knowledge is power and the person with most knowlege wins. So before buying or negotiating […]