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malani 
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Joined: 03 Apr 2018
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 Posted: 03 Apr 2018 at 10:31pm |
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Same with my thought too. An online business or extra part-time job will surely earn you some income. Try find out some job during your free time. Make use of the social media ,there are lots of part time job for you to choose.
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Ahmanran
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Posted: 03 Apr 2018 at 10:28pm |
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Perhaps you can ask for baby things from your siblings/cousins??? Mayb they will have some extra/used baby things but still in good condition. My aunt always give out some new baby things to others. You can save some money here :)
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Ahmanran
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Posted: 03 Apr 2018 at 10:23pm |
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I agree that Investment is not encouraging as in your situation, you shall not risk your money. What if you lose all the money? There will be a big financial problem then. Plus your salary is not high , secure your finance future first.
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Kelvin77
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Posted: 03 Apr 2018 at 9:27pm |
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Did ur wife working? I think 2 ppl's salary can cover the expenses...If not u also can try investment but you must do some research before u invest or u can go to bank to seek advice from the financial consultant.
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TrinnyTrin
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Posted: 02 Apr 2018 at 11:09pm |
 DorrisNg wrote:
Investment is not encouraging because it's quite risky for us except you are financial expert. I think the most effective way to save money is try to use washable diapers and secondhand clothes. Because baby grow up fast, you dont need to buy too much clothes to ur baby. Milk powder cannot be save because this is compulsory but did you feed ur baby breast milk? It can save a lot and good for baby. |
Well putting your money in bank is one way of investment also, one that has 0 risk. Whenever I have some leftover from my monthly salary I would just put inside my Alliance bank acc, after awhile the money did increase by quite a bit even without me doing anything about it, so I would say putting your money in bank is good if you don't have any knowledge about investing in stock market.
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TrinnyTrin
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Posted: 02 Apr 2018 at 11:05pm |
omona wrote:
zac1234 wrote:
fd got lock-in peroid, i dun like...how about Alliance Saveplus acc? |
Alliance Saveplus acc dun got lock-in peroid, but you need to put big amount of money then can get higher interest rate.. |
Well if you dont have that much money on hand you can just put in at least 20k then can get 1.8% of interest already, well surely you can get more with FD but the problem is you cant take out the money for at least a year, think about when you suddenly need to use it...
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DorrisNg
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Posted: 02 Apr 2018 at 9:37pm |
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Investment is not encouraging because it's quite risky for us except you are financial expert. I think the most effective way to save money is try to use washable diapers and secondhand clothes. Because baby grow up fast, you dont need to buy too much clothes to ur baby. Milk powder cannot be save because this is compulsory but did you feed ur baby breast milk? It can save a lot and good for baby.
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tajulhairi
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Posted: 02 Apr 2018 at 5:50pm |
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urmmmmm... i prefer u do to an online business for ur side income... it will help u a lot! ask ur wife to do it after she finished her confinement hahahahah
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yamar11
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Posted: 02 Apr 2018 at 4:43pm |
omona wrote:
Alliance Saveplus acc dun got lock-in peroid, but you need to put big amount of money then can get higher interest rate.. |
like seriously?? got no lock in ?? coz as i know , others bank quite strict to their users to withdraw money as many as they want ... and yeah im so tired of banks who are gives so many rules to withdraw got limit... its our money and they should stop that... and now, i just know about alliance bank got no lock in period
Edited by yamar11 - 02 Apr 2018 at 4:43pm
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yamar11
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Posted: 02 Apr 2018 at 4:39pm |
omona wrote:
i think every investment got its risk...
if i'm like you i'll put the money in the bank and take the interest, that's more save..
u can put it as FD or at Alliance Saveplus acc..their interest rate is high which is up tp 3% per year.. |
yessss agreeee! coz investment can guaranteed u to get lots of money in returns. but if u invest in bank maybe it can be save coz we know how bank get their share in investment industry. no need to worry
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