{"id":17881,"date":"2022-05-23T20:00:00","date_gmt":"2022-05-23T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/bad-payday-habits.html"},"modified":"2026-03-26T15:59:40","modified_gmt":"2026-03-26T07:59:40","slug":"bad-payday-habits","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html","title":{"rendered":"Avoid These 5 Bad Payday Habits If You&#8217;re Broke All The Time"},"content":{"rendered":"<p>It&#8217;s payday week and we\u2019re sure you couldn&#8217;t be more excited about it. Finally, it&#8217;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! Check out <strong>5 bad payday habits to avoid if you want to stop living from paycheck to paycheck<\/strong>.&nbsp;<\/p> \n<!--more--><p> \n <!-- \/wp:post-content --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p><strong>Not setting goals<\/strong><\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:image {\"id\":54171,\"sizeSlug\":\"large\"} --><\/p> \n<figure class=\"wp-block-image size-large\"> \n <img data-recalc-dims=\"1\" height=\"335\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/bad-payday-habits-No-goals-1024x536.png?resize=640%2C335&#038;ssl=1\" alt=\"\" class=\"wp-image-54171\"> \n<\/figure> \n<p> \n <!-- \/wp:image --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p>You know you need to save money, you know you need to pay your bills on time and you also know you need to set aside an emergency fund. But you don&#8217;t do any of these cause you believe you will change and be better when you get your next salary. Let\u2019s start fresh this month! Set a clear goal on how you want to spend your money and try to commit. If monthly goals are too much for you, start with weekly goals. Small wins are crucial in developing long-lasting good habits.<\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p>Related: <a href=\"https:\/\/www.comparehero.my\/money-tips\/articles\/plan-expenses-budget-2022\">5 Tips To Budget and Plan For Your Expenses Better in 2022<\/a><\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p><strong>Not paying off debt on time<\/strong><\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:image {\"id\":54172,\"sizeSlug\":\"large\"} --><\/p> \n<figure class=\"wp-block-image size-large\"> \n <img data-recalc-dims=\"1\" height=\"335\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/bad-payday-habits-not-paying-debt-ontime-1024x536.png?resize=640%2C335&#038;ssl=1\" alt=\"\" class=\"wp-image-54172\"> \n<\/figure> \n<p> \n <!-- \/wp:image --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p>Try to clear off your bills and debts as soon as you receive your salary. Alternatively, you can also set aside all monthly commitments so you won\u2019t accidentally use the money for other things especially if you have a YOLO mindset. Enjoying the money you work hard for is not wrong in fact, we highly recommend you to do so but never to the extent of neglecting your priorities. Paying your debts and bills late will lead to a bad credit score. Find out how a bad credit score can ruin your life,<strong> <\/strong><a href=\"https:\/\/www.comparehero.my\/ctos\/articles\/bad-credit-score\"><strong>here<\/strong><\/a>.<\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p><strong>YOLO mindset<\/strong><\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:image {\"id\":54173,\"sizeSlug\":\"large\"} --><\/p> \n<figure class=\"wp-block-image size-large\"> \n <img data-recalc-dims=\"1\" height=\"335\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/bad-payday-habits-yolo-mindset-1024x536.png?resize=640%2C335&#038;ssl=1\" alt=\"\" class=\"wp-image-54173\"> \n<\/figure> \n<p> \n <!-- \/wp:image --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p>#TBH there\u2019s nothing wrong with the YOLO mindset because you literally only get one chance at living but that doesn&#8217;t mean you can be careless about everything. When you get your salary, remember your goals, pay off your debt immediately, and only spend within your budget. Be creative in finding ways to have fun without spending money. As a start, we\u2019ve found this list of <a href=\"https:\/\/radicalfire.com\/things-with-no-money\/\">105 things to do that don\u2019t require any money<\/a>.&nbsp;<\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p><strong>Not tracking your spending<\/strong><\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:image {\"id\":54174,\"sizeSlug\":\"large\"} --><\/p> \n<figure class=\"wp-block-image size-large\"> \n <img data-recalc-dims=\"1\" height=\"335\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/bad-payday-habits-not-tracking-your-spending-1024x536.png?resize=640%2C335&#038;ssl=1\" alt=\"\" class=\"wp-image-54174\"> \n<\/figure> \n<p> \n <!-- \/wp:image --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p>This is another common mistake everyone tends to overlook. Try to track your expenses moving forward to understand your spending habits. The easiest way to manage your finances properly is via money management apps such as Spending, Money Manager, and Fast Budget. All of the apps listed in this <a href=\"https:\/\/www.comparehero.my\/technology\/articles\/budgeting-app\">link<\/a> are mostly free, so there\u2019s no excuse not to try them!<\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p><strong>No retirement plan<\/strong><\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:image {\"id\":54175,\"sizeSlug\":\"large\"} --><\/p> \n<figure class=\"wp-block-image size-large\"> \n <img data-recalc-dims=\"1\" height=\"335\" width=\"640\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/bad-payday-habits-no-retirement-plan-1024x536.png?resize=640%2C335&#038;ssl=1\" alt=\"\" class=\"wp-image-54175\"> \n<\/figure> \n<p> \n <!-- \/wp:image --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p>\u201c\u2026but I already got the Employees&#8217; Provident Fund (EPF)?\u201d You\u2019re absolutely right. Every month you contribute to EPF for your retirement but you can only withdraw the money when you\u2019re 55 years old. Do you plan to work till then? If not, start planning ahead!<\/p> \n<p> \n <!-- \/wp:paragraph --><\/p> \n<p> \n <!-- wp:paragraph --><\/p> \n<p>Breaking bad payday habits will take time and dedication but will eventually pay off if you don\u2019t give up. Acknowledge your mistakes and always try to improve yourself!<\/p> \n<p> \n <!-- \/wp:paragraph --><\/p>","protected":false},"excerpt":{"rendered":"<p>It&#8217;s payday week and we\u2019re sure you couldn&#8217;t be more excited about it. Finally, it&#8217;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! Check out 5 bad payday habits to avoid if&#8230;<\/p>\n","protected":false},"author":268230141,"featured_media":1507,"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_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-17881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avoid These 5 Bad Payday Habits If You&#039;re Broke All The Time - CompareHero<\/title>\n<meta name=\"description\" content=\"Find out if you&#039;re committing any of these 5 bad payday habits... Break free from these habits and take control of your finances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avoid These 5 Bad Payday Habits If You&#039;re Broke All The Time - CompareHero\" \/>\n<meta property=\"og:description\" content=\"Find out if you&#039;re committing any of these 5 bad payday habits... Break free from these habits and take control of your finances.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html\" \/>\n<meta property=\"og:site_name\" content=\"CompareHero\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CompareHero.my\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-23T12:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-26T07:59:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png?fit=1201%2C629&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1201\" \/>\n\t<meta property=\"og:image:height\" content=\"629\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"CompareHero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CompareHero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html\"},\"author\":{\"name\":\"CompareHero\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/person\\\/77b02f49f8e76551ac6a7f3d7eb59611\"},\"headline\":\"Avoid These 5 Bad Payday Habits If You&#8217;re Broke All The Time\",\"datePublished\":\"2022-05-23T12:00:00+00:00\",\"dateModified\":\"2026-03-26T07:59:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html\"},\"wordCount\":515,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png\",\"articleSection\":[\"Money Tips\"],\"inLanguage\":\"en-MY\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html\",\"name\":\"Avoid These 5 Bad Payday Habits If You're Broke All The Time - CompareHero\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png\",\"datePublished\":\"2022-05-23T12:00:00+00:00\",\"dateModified\":\"2026-03-26T07:59:40+00:00\",\"description\":\"Find out if you're committing any of these 5 bad payday habits... Break free from these habits and take control of your finances.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html#breadcrumb\"},\"inLanguage\":\"en-MY\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-MY\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html#primaryimage\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png\",\"contentUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png\",\"width\":1201,\"height\":629},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\\\/bad-payday-habits.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Money Tips\",\"item\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/money-tips\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Avoid These 5 Bad Payday Habits If You&#8217;re Broke All The Time\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\",\"name\":\"CompareHero\",\"description\":\"Providing the best tips and tricks about Malaysia\u2019s financial\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-MY\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\",\"name\":\"Jirnexu Sdn Bhd\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-MY\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/comparehero_logo.png\",\"contentUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/comparehero_logo.png\",\"width\":1889,\"height\":338,\"caption\":\"Jirnexu Sdn Bhd\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CompareHero.my\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/person\\\/77b02f49f8e76551ac6a7f3d7eb59611\",\"name\":\"CompareHero\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Avoid These 5 Bad Payday Habits If You're Broke All The Time - CompareHero","description":"Find out if you're committing any of these 5 bad payday habits... Break free from these habits and take control of your finances.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html","og_locale":"en_US","og_type":"article","og_title":"Avoid These 5 Bad Payday Habits If You're Broke All The Time - CompareHero","og_description":"Find out if you're committing any of these 5 bad payday habits... Break free from these habits and take control of your finances.","og_url":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html","og_site_name":"CompareHero","article_publisher":"https:\/\/www.facebook.com\/CompareHero.my\/","article_published_time":"2022-05-23T12:00:00+00:00","article_modified_time":"2026-03-26T07:59:40+00:00","og_image":[{"width":1201,"height":629,"url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png?fit=1201%2C629&ssl=1","type":"image\/png"}],"author":"CompareHero","twitter_card":"summary_large_image","twitter_misc":{"Written by":"CompareHero","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html#article","isPartOf":{"@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html"},"author":{"name":"CompareHero","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/person\/77b02f49f8e76551ac6a7f3d7eb59611"},"headline":"Avoid These 5 Bad Payday Habits If You&#8217;re Broke All The Time","datePublished":"2022-05-23T12:00:00+00:00","dateModified":"2026-03-26T07:59:40+00:00","mainEntityOfPage":{"@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html"},"wordCount":515,"commentCount":0,"publisher":{"@id":"https:\/\/www.comparehero.my\/blog\/#organization"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html#primaryimage"},"thumbnailUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png","articleSection":["Money Tips"],"inLanguage":"en-MY","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html","url":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html","name":"Avoid These 5 Bad Payday Habits If You're Broke All The Time - CompareHero","isPartOf":{"@id":"https:\/\/www.comparehero.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html#primaryimage"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html#primaryimage"},"thumbnailUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png","datePublished":"2022-05-23T12:00:00+00:00","dateModified":"2026-03-26T07:59:40+00:00","description":"Find out if you're committing any of these 5 bad payday habits... Break free from these habits and take control of your finances.","breadcrumb":{"@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html#breadcrumb"},"inLanguage":"en-MY","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html"]}]},{"@type":"ImageObject","inLanguage":"en-MY","@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html#primaryimage","url":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png","contentUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png","width":1201,"height":629},{"@type":"BreadcrumbList","@id":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-payday-habits.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.comparehero.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Money Tips","item":"https:\/\/www.comparehero.my\/blog\/money-tips"},{"@type":"ListItem","position":3,"name":"Avoid These 5 Bad Payday Habits If You&#8217;re Broke All The Time"}]},{"@type":"WebSite","@id":"https:\/\/www.comparehero.my\/blog\/#website","url":"https:\/\/www.comparehero.my\/blog\/","name":"CompareHero","description":"Providing the best tips and tricks about Malaysia\u2019s financial","publisher":{"@id":"https:\/\/www.comparehero.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.comparehero.my\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-MY"},{"@type":"Organization","@id":"https:\/\/www.comparehero.my\/blog\/#organization","name":"Jirnexu Sdn Bhd","url":"https:\/\/www.comparehero.my\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-MY","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/comparehero_logo.png","contentUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/comparehero_logo.png","width":1889,"height":338,"caption":"Jirnexu Sdn Bhd"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CompareHero.my\/"]},{"@type":"Person","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/person\/77b02f49f8e76551ac6a7f3d7eb59611","name":"CompareHero"}]}},"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pbC5we-4Ep","jetpack-related-posts":[{"id":17662,"url":"https:\/\/www.comparehero.my\/blog\/money-tips\/5-habits-to-help-you-achieve-financial-freedom-asap.html","url_meta":{"origin":17881,"position":0},"title":"5 Habits To Help You Achieve Financial Freedom ASAP","author":"CompareHero","date":"10 August 2022","format":false,"excerpt":"Imagine not worrying about how to make ends meet anymore. Yeah, that's the simplest way to explain what financial freedom is! The definition of financial freedom can be very subjective depending on your needs and goals. For some people, it could mean debt-free; for some, financial freedom means having enough\u2026","rel":"","context":"In &quot;Money Tips&quot;","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\/FI_financialfreedom-06-1.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_financialfreedom-06-1.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_financialfreedom-06-1.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_financialfreedom-06-1.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_financialfreedom-06-1.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17644,"url":"https:\/\/www.comparehero.my\/blog\/money-tips\/bad-habits-cut-retirement-savings.html","url_meta":{"origin":17881,"position":1},"title":"5 Bad Habits That Can Cut Into Your Retirement Savings","author":"CompareHero","date":"3 June 2021","format":false,"excerpt":"Contrary to what the traditional media has fed you, it\u2019s not about how much you\u2019re making, rather, it\u2019s about how you manage it. And how you manage your money eventually turns into a habit. In simple words, if you find yourself with no savings and spending more than you earn,\u2026","rel":"","context":"In &quot;Money Tips&quot;","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\/bad-habits-cut-retirement-savings.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\/bad-habits-cut-retirement-savings.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bad-habits-cut-retirement-savings.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bad-habits-cut-retirement-savings.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bad-habits-cut-retirement-savings.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":1751,"url":"https:\/\/www.comparehero.my\/blog\/money-tips\/15-financial-mistakes-avoid-2.html","url_meta":{"origin":17881,"position":2},"title":"15 Financial Mistakes to Avoid in 2019","author":"CompareHero","date":"26 December 2018","format":false,"excerpt":"A new year is upon us, along with opportunities and new beginnings! It is the perfect time to make big changes in your financial habits too. Because no matter how much you make from your job, some tweaks in how you handle your money can go a long way to\u2026","rel":"","context":"In &quot;Money Tips&quot;","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\/2018\/12\/image.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/12\/image.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/12\/image.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2018\/12\/image.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17489,"url":"https:\/\/www.comparehero.my\/blog\/cost-of-living-inflation\/im-merely-existing-36yo-msian-homeowner-cant-afford-to-turn-on-aircond-at-night-and-only-entertainment-is-scrolling-his-phone.html","url_meta":{"origin":17881,"position":3},"title":"\u201cI\u2019m merely existing\u201d \u2013 36yo M\u2019sian Homeowner Can\u2019t Afford to Turn on Aircond at Night","author":"CompareHero","date":"19 August 2025","format":false,"excerpt":"(Source: 123rf) For many Malaysians, the struggle with rising costs and stagnant salaries is all too real. One 36-year-old recently took to the \u516b\u5366\u90e8\u95e8 Facebook page to share a brutally honest reflection of his life, and it struck a chord with netizens who feel they\u2019re going through the same thing.\u2026","rel":"","context":"In &quot;Cost of Living &amp; Inflation&quot;","block_context":{"text":"Cost of Living &amp; Inflation","link":"https:\/\/www.comparehero.my\/blog\/cost-of-living-inflation"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/36yo-Homeowner.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/36yo-Homeowner.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/36yo-Homeowner.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/36yo-Homeowner.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/36yo-Homeowner.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17636,"url":"https:\/\/www.comparehero.my\/blog\/debt-credit-score\/bad-credit-score.html","url_meta":{"origin":17881,"position":4},"title":"4 Ways A Bad Credit Score Can Impact Your Life (And How You Can Fix That)","author":"CompareHero","date":"14 March 2022","format":false,"excerpt":"Having a good credit score seems like the golden ticket to some of the best financial deals: competitive and ideal interest rates, premium credit cards, and a higher chance of buying a car or getting a mortgage. Unfortunately, the adverse effect of having a bad credit score \u2013 between 300\u2026","rel":"","context":"In &quot;Debt &amp; Credit Score&quot;","block_context":{"text":"Debt &amp; Credit Score","link":"https:\/\/www.comparehero.my\/blog\/debt-credit-score"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bad-credit-score-featured-image.png?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\/bad-credit-score-featured-image.png?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bad-credit-score-featured-image.png?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bad-credit-score-featured-image.png?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/bad-credit-score-featured-image.png?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17726,"url":"https:\/\/www.comparehero.my\/blog\/entertainment\/5-tips-to-save-money-during-music-festivals.html","url_meta":{"origin":17881,"position":5},"title":"5 Tips To Save Money During Music Festivals","author":"CompareHero","date":"24 March 2019","format":false,"excerpt":"Planning to go to that festival that rhymes with the words, \"Shoe Size\"? (Yup, this ain't no paid post.) Well, if you are, be sure to read these tips so that you don't come back with a hole in your wallet! \u00a0 Keep Calm, Don't #FOMO. So you\u2019re going with\u2026","rel":"","context":"In &quot;Entertainment&quot;","block_context":{"text":"Entertainment","link":"https:\/\/www.comparehero.my\/blog\/entertainment"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/featured-compressor.png?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\/featured-compressor.png?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/featured-compressor.png?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/featured-compressor.png?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/featured-compressor.png?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_Avoid_These_5_Bad_Payday_Habits_If_You_re_Broke_All_The_Time.png?fit=1201%2C629&ssl=1","_links":{"self":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/17881","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/users\/268230141"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/comments?post=17881"}],"version-history":[{"count":1,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/17881\/revisions"}],"predecessor-version":[{"id":56660,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/17881\/revisions\/56660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media\/1507"}],"wp:attachment":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media?parent=17881"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/categories?post=17881"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/tags?post=17881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}