Direct Lending

What is the 50/30/20 Rule?

People need to have a plan to achieve long term financial goals. If you think preparing a financial plan is burdensome, you can keep it simple. A tool many are discovering to be a useful budgeting method is...

Pros vs Cons: Hypermarkets and Your Neighbourhood ‘Kedai Runcit’

For some people, shopping for groceries can be a tortuous experience. They find it more challenging to stretch the Ringgit and having to fork out much more for a regular amount of groceries. If this situation...

Should Couples Split Their Bills and Expenses?

Money is a talking point when two working individuals marry or become a couple. ‘What is mine; is considered mine’. This typical mindset might not hold anymore for a relationship to stay healthy and long...

Category - Personal finance

Is it Better to Pay Debt or Invest?

The question is simple, but it requires careful thinking. Before giving your answer, let us look at the fundamental difference between the two. Debt is a liability, while investment is an asset. If you have outstanding debts, you honour them by...

7 Practical Ways To Increase Your Income

(This article was originally published on the 22nd December 2017 and updated on the 11th November 2019).  With increasing living costs, there is now a need to supplement the family income to maintain our standards of living. With this in mind, let’s...