{"id":17561,"date":"2022-02-28T19:00:00","date_gmt":"2022-02-28T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/examples-of-poor-money-management.html"},"modified":"2022-02-28T19:00:00","modified_gmt":"2022-02-28T11:00:00","slug":"examples-of-poor-money-management","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/money-tips\/examples-of-poor-money-management.html","title":{"rendered":"10 Examples of Poor Money Management (& What You Can Do About It)"},"content":{"rendered":"\n

There are many challenges you have to face when it comes to money management. If you’re struggling to manage your finances, we\u2019ve listed 10 examples of bad financial habits that you probably have and why you should totally get rid of it. <\/strong><\/p> \n

\n

We\u2019ve all experienced it in our lives. You look at your bank account and see that you still have some debt left from last year\u2019s Christmas. It\u2019s August, and yet you\u2019re still trying to clear all of it. Just how did you get here?<\/p> \n

Poor money management is pretty common everywhere you turn, despite being told over and over again on how to better take care of our finances. Sometimes, we all need a gentle reminder in our lives\u2026 so here\u2019s 10 examples of poor money management and what you can do to remedy this:<\/p> \n

10 examples of bad money management\u2026 and what you can do about it<\/h2> \n

1. Missing your bill payment due dates<\/h3> \n

Did you know that just by missing your bill payment due dates, you can actually get severely penalised? And it\u2019s not just late fees – you can get penalised in the form of your credit score.<\/p> \n

Paying your bills late can cause your credit score to tank, as credit scoring agencies – CTOS for example – factors in just how well of a borrower you are. It\u2019s always good practice to pay your dues – water, electricity, phone, internet, and more – whenever the bill arrives.<\/p> \n

Now, if you get your bills late, you may think that you can dispute that with the issuer. However, don\u2019t keep your hopes up – just because it gets lost in the mail doesn\u2019t mean that you can appeal for a penalty review. Always be proactive by searching out your bills and ensuring that they reach you on time.<\/p> \n

Read also:<\/strong> What Happens If You Make Late Credit Card Payments<\/a><\/p> \n

2. Not comparing before you commit to something<\/h3> \n

If you come across a good deal, it wouldn\u2019t be a bad idea to compare with other sellers if they have something better. To add to that, you should also compare to see if there\u2019s a better product or option somewhere else.<\/p> \n

Likewise, when it comes to your personal finance, you should also always compare before you commit. Be it a new credit card<\/a>, a personal loan<\/a>, travel insurance<\/a>, motor insurance, fixed deposits, or anything under the sun, it\u2019s really important that you compare each company\u2019s offerings and terms and see which is right for you and your requirements.<\/p> \n

\"\"<\/p> \n

3. Not saving money\u2026 not even a little bit<\/h3> \n

You don\u2019t need to save in the hundreds or thousands, if you\u2019re saving even as little as RM10 a month, it\u2019s still a considerably good habit to practice.<\/p> \n

When it comes to saving money, it wouldn’t be a bad idea to have several goals. Have one for your emergency fund, another for your retirement, one for your children, and maybe a fun one as a treat for yourself.<\/p> \n

It\u2019s good to have a habit of saving, no matter how little, because it gets you in the mindset of preparing the unexpected.<\/p> \n

Did you know?According to a 2019 survey on Statista<\/a>, 32% of Malaysian millennials save less than 20% of their income.<\/p> \n

4. Only saving, and not investing wisely<\/h3> \n

On our previous note about saving money, it\u2019s also important that you consider investing your money too. Growing your money is important in helping you get extra mileage from your pot.<\/p> \n

But to avoid poor financial management, it would be a good idea to first learn about the six questions you need to ask yourself before investing<\/a>. There are also many ways you can invest your money, even in this current COVID-19 climate. We\u2019ve previously spoken to experts with regards to investing in this pandemic – properties<\/a>, cryptocurrencies<\/a>, Islamic financing<\/a>, general investments<\/a> (and more to come!) – click on these links to learn more.<\/p> \n

5. Not keeping a budget<\/h3> \n

Ugh, budgeting. It sounds boring, but it\u2019s actually very necessary.<\/p> \n

It\u2019s important to keep track of your expenses so that you can control how much you earn and how much you spend. While you may think that your commitments (e.g. rent, hire purchase, bills) are only a small fraction of your salary, you\u2019ll be surprised at just how easy it is to lose track of your spending.<\/p> \n

6. Spending more than you can afford<\/h3> \n

They say money doesn\u2019t buy you happiness, but we all know that it\u2026 kinda does. Those new Air Jordans cost a bit of money, but if you\u2019ve dreamed of having it for the longest time, you know you\u2019re gonna be really happy with them on your feet.<\/p> \n

While it\u2019s always a good idea to live your best life, it\u2019s also important to prioritise what you actually need to instead of what you want. Being discriminate with your spending is a way of living your best life and avoiding poor financial management – incurring losses or accumulating debt over your desires will only leave you struggling to pay your bills.<\/p> \n

Read also: 10 Ingenious Money Tips From Malaysian Dads<\/a><\/p> \n

7. Borrowing money for questionable reasons<\/h3> \n

We all need some financing help once in a while. Most of us will resort to taking up loans to pay for our cars, houses, education, business\u2026 the list goes on. But if you\u2019re taking up a personal loan to pay for stuff like a vacation, new furniture, a wedding, or even gambling, you may want to think twice.<\/p> \n

Loans come with a monthly interest rate, which will mean that you will eventually have to pay for more than you initially borrowed. It\u2019s best to save up for these expected spendings and only resort to using loans when you truly cannot afford to finance something large and necessary.<\/p> \n

8. Pretending that debt doesn\u2019t exist<\/h3> \n

If you have debt, it\u2019s important that you always be on-the-ball by checking what you currently owe the bank. It\u2019s tempting to close one eye and pretend they don\u2019t exist – maybe you get anxiety when you see the figure – but it\u2019s actually the worst habit that any borrower can ever develop.<\/p> \n

9. Only paying the minimum<\/h3> \n

If you are using a credit card, you should always pay your owing in full. Paying just the minimum will help you avoid the late fee, but it will eventually bite you back in the back when you start getting charged an interest fee.<\/p> \n

Credit card interest rates are notoriously high, and it will take you a very short time to double and even triple your debt if you don\u2019t take any action. Not only is that because of a compounded rate, but because you will also get penalised with a higher interest rate (up to 18%) if you don\u2019t repay your debt.<\/p> \n

10. Never checking your credit report<\/h3> \n

Wait. How does this fall under money management? Well, granted they\u2019re almost two separate things, but poor money management will eventually lead to a poor credit score. And when you have a poor credit score, you will not be able to get financing help for emergencies that may come your way. This may eventually lead you to a dangerous path as the only ones who may be able to help you are illegal money lenders.<\/p> \n

Read also: The Ultimate Guide to Credit Scores<\/a>
<\/p>\n","protected":false},"excerpt":{"rendered":"

There are many challenges you have to face when it comes to money management. If you’re struggling to manage your finances, we\u2019ve listed 10 examples of bad financial habits that you probably have and why you should totally get rid of it. <\/p>\n","protected":false},"author":173139450,"featured_media":1573,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[425],"tags":[],"class_list":["post-17561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips"],"yoast_head":"\n10 Examples of Poor Money Management (& What You Can Do About It) - CompareHero<\/title>\n<meta name=\"description\" content=\"Managing finances can be a challenge. 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You can take a course, get a mentor, learn it the hard way, or you can just buy a book and learn from the years of experience from that writer.\u00a0 Personal finance\u2026","rel":"","context":"In "Money Tips"","block_context":{"text":"Money Tips","link":"https:\/\/www.comparehero.my\/blog\/money-tips"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/personal-finance-books.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/personal-finance-books.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/personal-finance-books.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/personal-finance-books.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/personal-finance-books.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18495,"url":"https:\/\/www.comparehero.my\/blog\/money-tips\/couples-share-or-pay-own-bills.html","url_meta":{"origin":17561,"position":1},"title":"Should Couples Share or Pay For Their Own Bills? [INFOGRAPHIC]","author":"CompareHero","date":"2 May 2019","format":false,"excerpt":"In this day and age, are men still expected to pay for women, in their relationships? We take a look at that sentiment and break it down in our discussion on how finances could be handled between couples. \u00a0 Should couples share or keep it separate? 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So whether you\u2019re married, engaged or at the long-term relationship stage, the \u2018money talk\u2019 is always a tricky subject. To help\u2026","rel":"","context":"In "Money Tips"","block_context":{"text":"Money Tips","link":"https:\/\/www.comparehero.my\/blog\/money-tips"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-7.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-7.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-7.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-7.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17878,"url":"https:\/\/www.comparehero.my\/blog\/money-tips\/arigato-your-money-the-japanese-secret-to-a-wealthier-you.html","url_meta":{"origin":17561,"position":4},"title":"Arigato Your Money – The Japanese Secret To A Wealthier You","author":"CompareHero","date":"28 July 2022","format":false,"excerpt":"Most of us have a hard time letting our money go, but perhaps making peace with our money will actually help us to gain more! 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Finally, it's time to spend all your hard-earned money this month but what happens when you\u2019ve spent it all\u2026 Wait again till next month? You have the power to stop this right now! 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