Track Your Spending
List Your Monthly Expenses
Get you LATE fee waived (credit card) - did you know that they do waive? If only you've made that call.
Be HARDCORE frugal
Call and lower your ASTRO subscription. Do you really need that many channels when you're struggling to pay it off at month end?
Go for online coupons. Do you know about myDEAL.com.my or Groupons?
Make a GROCERY LIST
Cut down on expenses. Do you really need three pairs of shoes each month?
Get a free fee ATM, don't succumb to paying RM 1 or RM 0.50 per withdrawal
Negotiate when buying new car or used car
LIVE within your means
Be accountable for all your expenses
Take good care of your things, to ensure they last longer. You do that don't you?
Delay gratification
Invent SMART money goals
Have your bills mailed instead of being posted. You could save RM 5 for going paperless
Understand how compounding interest works
Always find routes to lower your interest
Prioritize your debts
Balance transfer your high interest balance to avenues with low interest
Calculate your net worth
Choose flex HOME loans
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