Medical bills are costly affairs and are inevitable in life even for the fittest of Malaysians. Sometimes, medical calamities can befall you and whilst we may not have any answer to completely avoiding them; we can at least prepare financially for their arrival.
- ✓ Following
Some may define true-blue adulthood as the ability to finance oneself fully. Once we have made it to this very exciting and independent phase of our lives, there are expected expenses we can anticipate: rent for the place we’re shacking up in; petrol for the car we’re driving; three square meals a day etc.
If you are planning your next trip to Japan, Yokohama and Sendai are two places that you need to include into your travel itinerary when you land in Haneda, Tokyo.
Not all credit card reward points programmes are created equal but thankfully, the gap is getting closer. Especially with AirAsia BIG’s new promotion where they’re offering you a chance to win a brand new Nissan X-Trail by converting the points on your already existing credit cards into AirAsia BIG Points.
The internet buzzed during the past long weekend about a Thai budget airline’s decision to allow ‘spirit dolls’ to travel as children aboard their flights seeing as to how famous (or infamous) the trend of Look Thep Dolls (as they are known in the Kingdom) has become.
Have you ever stumbled upon something and wondered if it required someone to man or tend to it but is not a job everyone has heard of?
Graduates venturing into the job-market, juggling between various work-life commitments, will often find themselves dazzled by the enticing lure of spending half of their income or pay-check on a Big Night Out; or more sombrely on paying off various debts (car loans, rentals, etc).
Whoa, not so fast! Firstly, you have to sign up through Ringgitplus. Secondly, if you want your free Touch n Go card (with RM50 in them) and your free Smart Tag, your new credit card has to be one of these:
The landscape of pay TV in Malaysia has changed drastically in the last couple of years. The entry of two new pay TV services introduced a slew of choice for local consumers and challenged the industry once dominated by a single pay TV provider.
You’re probably reading this title and wondering what we’re on about. Don’t worry, we’re not going to suggest you loan your phone to friends to make paid calls ala a mobile phonebooth.
Adam* lives in Shah Alam and works in a high rise office building in PJ. Working as a mid-level executive; Adam earns in the region of RM4,000. After deductions, his take home pay is approximately RM3,500.6
Do you remember what kind of financial decisions you made when you were 6? Karipap or pisang goreng for lunch was about the most important fiscal choices the majority of us dealt with back in primary school.
Looking at school buses line up the streets whilst on the way to work or college early in the year never fails to time warp most of us back to our own days in little white uniforms, ties and pinafores.
A fresh new year is a chance to start over. It’s the best time to pick up new habits, commit to a new set of resolutions, or start a new hobby. But does your budget also have to be a new one?
You can’t escape the resolution train and you’re probably pretty pumped yourself to get started on your money goals for 2016. As we have mentioned in previous articles, money goals can be sticky and so easy to fall off hence our guide to fail-proofing your resolutions.
Staying safe while travelling doesn’t just mean carrying precautionary emergency supplies, avoiding areas of conflict, and eating right; It also means being aware of scams so you don’t end up broke abroad.
If you happen to be reading this now, you probably clicked the link out of intrigue about the idea of staying full longer. Perhaps this urge is fuelled for diet or cost cutting reasons. If the former, you probably don’t want the full bowl of rice that will surely keep you full, so we kept this list pretty much carb free. Of course, if you do want to simply save money – then throw in some bread or rice to keep you stuffed for longer.
Matt Damon is known for constantly playing characters in need of rescue. It’s really quite astonishing when you think about the excessive effort and time it takes to save this dude from danger over and over. But we’re less interested in energy, and more interested in funds. Specifically, how much money did it take to save Matt Damon?1
Kicking off the New Year with a clean financial slate is great, but breaking resolutions that involve big or small money just isn’t and can end up costing you more than you bargained.
Have you heard? Netflix is coming to Malaysia! It’s already here, in fact. You can visit their site and subscribe right now for your fill of international TV shows and movies. But should you?
Hands down, 2015 has to be one of the more eventful and riveting years in recent Malaysian history.
We’ve shared with you before on how inexpensive and healthier it is to make your own food. But what about the food for our cats? How hard can it be to make your own cat food? And if it is really easier, should cat owners start cooking up cuisine for their kitties? The answers to these questions aren’t as straightforward as you may think.
IKEA is a popular place to shop for your home if the crowds on weekends are anything to go by. But as with any store, not everything in the store may be as good a buy as you think.
Did you just buy a home? Good for you! Whilst the buying or renting is a great first step – it’s important to remember that it is just that: The first step. Keeping a home requires quite a lot more than a downpayment as you’ll soon find out as King of your own Castle.
Resolutions are historically prone to fail. Admit it. Fitness executives will be the first to tell you that traffic at gyms pick up typically in January when everyone is in a frenzy to ‘get fit for the new year’ only to taper off in March when they’ve fallen off the bandwagon… and landed on a donut.
Did you get shiny new gadgets for Christmas? Or maybe you used the end-of-year holidays to balik kampung and you gifted your loved ones with the latest upgrades to their dying old devices? Whichever the case, what you have in your hands now is a number of ancient gear you don’t know what to do with.
A local politician drew flack recently for suggesting that the rakyat do more than one job to deal with rising costs of living. Though he later clarified that his quote was taken out of context, he went on to say that he himself held three jobs.
Banknotes, coins, and credit cards are typically the first things that come to mind for us when we think about money. But money comes in many other forms, as well. In fact, the form currencies can take has always changed throughout history and will continue to change in the future.
In this season of giving, the Savemoney team really got into the spirit and went out to do our part to spread the Christmas cheer around wherever we can. Recently, our adventures in charity led us to hearing about YMCA KL’s Community Children’s Christmas Celebration.
Getting yourself and your loved ones’ properly insured is an important step when planning your finances. An adequate life insurance policy will be important if a tragedy befalls you to not only care for yourself (in the event of total and permanent disability) or for your loved ones and your estate (if you were to pass away within the policy’s validity period).
Supermarket loyalty cards are no longer confined to well, the supermarket; in fact, many of these are now giving back more than just grocery rewards. You can redeem discounts for shopping, travel and dining with points earned from your weekly grocery run.
Previously, we’ve covered tips on how to make a spare room in your house more welcoming to potential tenants. But suppose you’ve made enough money from that to afford a new place and are looking to sell your current one?
With the advent of budget airlines - it is true that more Malaysians than ever can fly. If you’re one of those who’ve got the constant travel bug; you’re going to find the five items in this list (in no particular order) super helpful on your trails.
Since the invention of trade, money has been affecting cultures all around the world.
Christmas shopping can be fun, sure. But choosing a good gift, enduring crowded malls, and the obvious hit on our wallets can also make the pressure to purchase presents tough to deal with. We’ve also previously discussed at length about the downsides of the gift-buying tradition. So how about we try something different this Christmas? Here are some alternatives to gift-buying you can do to spice up your holidays.
It’s the season of giving and even if you’ve been bad all year round; an application for a personal loan on RinggitPlus will still get you an AEON voucher in your make-believe Christmas stocking.
Retirement funds is an issue that should be on everyone’s personal finance planning agenda. But myths abound as to how much is needed and the best ways to save up for retirement.
The entire cost of a Christmas tree can run into hundreds of ringgit - thousands even if you decide to buy from a departmental store at the mall. But in these days of DIY and Pinterest, you don’t need to spend money like that anymore.
Financial preparation for retirement is an imperative practice that everyone undertakes, some a little earlier than others and some with a spouse and family, while others choose to go at it alone.
Saving up for retirement is something that is required of all of us. But saving for retirement when you are single is a little different from when you are one half of a couple.
Getting your savings off the ground and into a cushy level is the first step to financial freedom but considering the effects of inflation and the time-value of money - it cannot be the only step!
After graduating from college and getting your first set of wheels, another important milestone of adulthood is living in a place of your own. Buying a house is an even bigger financial undertaking than purchasing a car, however. This is why prospective homeowners often look to joint ownership to help pay for their first house. What is joint home ownership and how does it work? Let’s find out.
The commitment one makes to marriage is a big one and will affect the way in which you function on a day to day basis - needing henceforth to accommodate another person (and often their family too!).
‘Tis the season to be jolly – yes, Christmas is around the corner and everyone’s already stripping apart their salary from last month to figure out if they have anything left for the New Year!
Many people believe buying a home is a life goal to be accomplished. It is certainly no small feat as it involves large sums of money and often life-long commitment to a home loan.
Education as we know it is the cornerstone to a successful nation. In effort to bolster the country’s potential, RinggitPlus and Scholarships2u.com have teamed up to give deserving youth of today the opportunity to quality education!
If you work; you earn a wage and this is the resource with which you will pay for your expenses, wants and needs. Unfortunately, for us, salaries are a finite resource and definitely prone to depleting much before we are done with the many things we must pay.
The only regret that most people have about traveling is the thought of dealing with the bill once the trip is over, but we at Savemoney can attest that there are definitely ways to enjoy a vacation on a budget.