Do you spend for to buy asset or liability?

People are complaining the cost of living getting higher nowadays. Inflation becomes a hot topic during lunch or dinner time among peoples. Can we avoid the cycle of inflation or can it be stopped? Sad to say, we need inflation to boost our economy. We either live in 1932 Great Depression or 1923 Weimar German…

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The Effects of Inflation on Loan Repayments

HOW INFLATION AFFECTS LOAN INSTALMENTS “5 Ringgit for a bowl of curry noodles? In my day, it was 50 sen!” Sounds familiar? No doubt you hear your parents and grandparents griping about today’s prices more often than not. The reason for these price differences is simple and straightforward: inflation. We won’t go into the mechanics…

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5 Foolproof Ways To Help You Stop Worrying and Start Funding For Your Retirement

Are you prepared for your retirement? Watch this video by Financial planner Linnet Lee shared about the five easy ways to fund retirement if you are a Malaysian. 1. EPF There are five foolproof ways to fund your retirement. The first way is fund our EPF, which we already doing because this is mandatory. However, the…

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How To Train Your Kids To Become Money Savvy

  In the early days, the focus was on education. Many of our grandparents and parents worked hard day and night to ensure their children could have a good education. Education in those days, was the ticket to wealth. Their dream was that armed with the right professional qualifications, their children would get good jobs…

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How to be Young but Financially Wiser than Your Older Peer

The saying goes, you’re only young once… so live your life to the fullest. Yes, it is certainly true that people are only young once. Youth seems to fly by so quickly and before we know it, we find ourselves beset by responsibilities, obligations, stress, worries and most undesirable of all..grey hairs! ? So yes,…

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5 Proven Money-saving Hacks That Work Everytime

So, what were your New Year’s Resolutions for 2014? As usual, I’m sure we all made the usual ones, such as, losing weight, giving up unhealthy eating habits, exercising more, etc…and these are great resolutions to make. However, we should also include in our list, a resolution to save more each month. Being able to…

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When the Going Gets Tough, The Tough Get Frugal!

What comes to mind when we hear the word “frugal”? Being careful what you spend, adopting a sparing approach to spending, being thrifty, always being vigilant on expenses… yes, that mindset would describe most of us these days. When we open the newspapers or read the news online, we are bombarded by negative information. Price…

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Save Money on Household Cleaning Products and Be Greener, Too!

In the old days, Malaysians did not have access to supermarkets and hypermarkets. Shopping was done in small-scale sundry shops. There were not a lot of products on display. In terms of cleaning products, the most you would see, would be a couple of basic disinfectants. Today on the other hand, the supermarket aisle offers…

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How to Spend Less on Festivities and Still Feel Generous

As the saying goes, “It is more blessed to give than to receive”. Yes, human beings have an innate need to give. Don’t you notice that when you do something for someone or give them a gift or donate to a worthy cause, you feel good as well? Feeling generous is a very beneficial feeling…

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The 6 Gimmicks Applied at Supermarket to Make You Spend More

Which product calls out to us…which brand do we feel we should buy…which advert makes us feel like we can to relate to it so well…surely, these are our own choices? Decisions that we ourselves are in control of, decisions that we make 100% on our own based on our own preference? You are being…

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