The latest and the best financial news, tips and tricks.
We have all made impulse purchases at some point. If we learn to control impulse spending, we would have much more cash to spend on the things that we actually need. Below are habitual, money-wasting purchases that Malaysians should stop making.
It’s no mystery by now that most Malaysians aren’t very financially literate – especially when it comes to living within their means and managing their debt. It is quite a shocker that most only pay the minimum of their debts too, but what can we do about it? AKPK, Agensi Kaunseling dan Pengurusan Kredit, Malaysia’s […]
As we head into the next quarter of 2018, how well are you doing with your financial resolutions? If you’re like the majority of young Malaysians who are living with high levels of debt, one of your financial resolutions is to clear your debt and make progress towards the overarching goal of financial freedom.
Everybody has their financial goals in life but many of us get sidetracked into pursuing lavish lifestyles and get bogged down by debt or worse – bankruptcy. But is the dream of financial freedom really that hard to achieve? It really isn’t.
Before taking out any loan, you should know if it will be a good or bad debt for you. Don’t know how to differentiate between the two? Find out how a debt can be good or bad, and learn how to manage your debts wisely!
Carrying a large burden with a lot of debt and worried that you may be unable to pay it off? Or are you looking to secure a new loan? AKPK can help you manage all of your debts and, offer you financial advice for free! Find out more about their services below.
What is a ‘debt service ratio’? If you have ever applied for a car, home or personal loan, you will probably have heard the phrase ‘debt service ratio’ from the bank’s loan officers whilst they explain to you how the loan works.
Ever felt like you’re at some dead-end, working non-stop, paying off debts that never seem to end? You’re yearning for that sweet freedom that your peers upload daily on their Instagram Stories in Switzerland?
Updated: 4th September 2018 Falling into credit card debt is dangerously easy. Especially when you don’t compare credit cards and check which ones have the lowest annual percentage rates (APR), cashback rates or even the best petrol-related promos.
From student loans to credit cards, mortgages and auto loans, i think most Malaysians are saddled with more debt these days. While it may seem like an uphill battle for most of us to get out of this financial web, its not really the end of the world if you are swimming in debt. We […]
Updated 13 August 2018 What Is A Credit Score? A credit score is a three-digit number derived from a credit agency that rates your credit quality based on your outstanding debts such as credit card debt, personal loan debt, car loan debt, mortgage loan debt, and student loan debt. On top of that, your score […]
Planning to get married? Have a lot in common? That’s sweet. By the way, what’s his or her credit score? To most of us, these things don’t matter when we are planning to get married. But its is in fact a matter to be taken into consideration just so neither of us get caught by […]
Sering mendengar istilah CCRIS dan CTOS, namun anda tidak tahu perbezaan istilah tersebut? Jangan risau, kami terangkan dengan lebih lanjut dalam artikel ini. Teruskan membaca untuk mengetahui mengapa kedua-duanya penting untuk rakyat Malaysia.
Updated 15 May 2018. We are concerned about Malaysians’ financial condition. Many including millennials are finding it hard to keep up given the rising costs of living. Whether it is saving, investing, insurance, or managing money, the financial health status of an average Malaysian highly depends on these fundamentals. Let’s see if you are doing […]
Anda sudah tentu pernah mendengar frasa ‘Nilai Bersih’ (net worth) sekurang-kurangnya sekali. Ini terutama apabila Forbes mengeluarkan senarai manusia terkaya setiap tahun yang memaparkan nilai kekayaan billionair-billionair di seluruh dunia. Tahukah anda, semua orang sebenarnya memilki nilai bersih! Maklumat ini amat penting dalam memberi gambaran kasar akan status kewangan peribadi dan membantu untuk merancang pelan […]