With OPR keep on reducing, annual returns of FD will be significantly affected ie. Potentially less than 1.4% annually net tax. So, below are 3 smart reasons to consider Sukuk fund for Cash Management; 1. Sukuk operates in opposite than FD and Money market. a. FD & Money Market returns will be lower when OPR […]
Cancel unutilized subscription; eg. gym, magazines, mobile data etc Switch hand phone providers; My story; I have been using phone subscription from a communication provider for more than 10 years at a rate of RM 105/month. Then i checked around and could find an alternative with similar coverage at RM 60/month. That saves me about 40%. […]
It was back in year 2014. Me, hubby and 4 kids went to Melbourne, Gold Coast and Brisbane. We planned 8 months ahead. So myself and hubby put aside some cash every month for the trip. During the trip, the expenses were paid using the money that we saved and dividend from ASB (Amanah Saham […]
Investing is not necessarily about money. If you invest in yourself, you can earn the returns forever. 1. Invest In Your Mind – Read From Tun Mahathir to Bill Gates and Oprah, a lot of super successful business leaders have said that reading habit is the key to their success. You can start by reading any […]
One of the key ingredients to building wealth is to start as early as possible.Below I share 3 smart reasons why you should save money every month. 1. You Start The Habit of Saving.Saving money is basic but in reality it is very difficult to implement.Common excuses: i don’t have enough money to save, i’ll […]
Savings is basic, but very difficult to implement. In this video i share how to save money with purpose; 1. Save For Emergency • Start with $ 1,000 • Then build up to 3 – 6 month of monthly expenses Save for emergency means you are prepared for unexpected. 2. Save To Pay In Cash […]
Travel off-peak times Yes, school holidays, winter/summer holidays make the most sense to take the kids on a trip. However, everyone else is also doing it. Hence, prices increase, availability is limited and you’ll face lineups everywhere you go. Instead, go a few week before or a few week after the holiday. Same […]