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money is not enough to use!!!

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Kanishi View Drop Down
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    Posted: 07 Aug 2018 at 10:05pm
Investment may be a small part and getting some part time income is the more stable like grab that can do with flexible time and the income is still quite high for a part time job. The extra income can help to reduce the financial stress of the family.
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Kanishi View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Kanishi Quote  Post ReplyReply Direct Link To This Post Posted: 07 Aug 2018 at 10:03pm
Yea, in this generation of us the inflation of the material price have effect us heavily. Especially those who have children and family that need twice income only can effort it. 
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nemomone View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote nemomone Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2018 at 9:48pm
Investment is too risk! Hope you can think properly, why don't you discuss w/ your wife? Did she work? If she work also then your financial problems can be overcome.
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gongzaimee View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote gongzaimee Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2018 at 9:20pm
Originally posted by razileman razileman wrote:

Why don't you start with a simple financial plan? List down your compulsory budgeting first e.g your household, bill, rent, loans, etc. Minimize your spending and keep the remaining for saving. Suggesting you to create one other bank account just for saving and do not take that money from that account unless you have to. 

yeah totally agreed! because if u have a great financial planner, u will know which one u need and which one don'ts .. Im used to that when i got a small salary back then.. trust me, its can help 
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gongzaimee View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote gongzaimee Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2018 at 9:16pm
Originally posted by vanice098 vanice098 wrote:

eeuuww why need to buy baby's clothes at bundle shop??!!!
it might have eczema at previously baby and u put it on your baby... 
dont ever dare! 

LOL! if u are too rich then u shouldnt said like dat! u dont even know who struggles people out there to work on something to make sure their child comfort! they never complaining about the baby's stuff prices coz they really working hard! 
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junghun View Drop Down
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Originally posted by elainemok elainemok wrote:

Originally posted by junghun junghun wrote:

Originally posted by omona 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..
 
3% is so less and need to wait until 1 year, it's slow...i more prefer to do investment, it can make money faster
Guess that the alliance saveplus is a new acc that alliance launch? Just do a research on websites, their interest rates is barely same with FD which is 3.5%, but without lockin period, I think put savings on there will be a more stable investment Shocked
can only get back big amount of money after many many years, i still not prefer for doing that...
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zac1234 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote zac1234 Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2018 at 10:19am
Originally posted by yangxi yangxi wrote:

Originally posted by zac1234 zac1234 wrote:

Originally posted by SuperJJ SuperJJ wrote:

Originally posted by Ahmanran Ahmanran wrote:

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.

Only do investment if you have extra money that you can afford to lose. Most of the time you will be at the risk of losing money rather than earning so I wouldn't count much on that. Prefer you could save your money at bank instead such as Alliance bank which offered up to 3.5% of interest for at least 100k saved.
har..need to put 100k then can get 3.5% interest? haizzzzz i dun hv so much saving lehhh
actually u can put 20k inside and get minimum interest which is 1.8%... more info:  https://voiz.asia/en/31233 and also if u open acc b4 end of this month, u'll get rm40 petrol gift card...
 i think i'll not put at fd acc, mayb i'll save my money first and put it at Alliance at the future coz i also scare other investment got its risk and i can't get back my money ...anyway thx for the information
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yangxi View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote yangxi Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2018 at 10:18am
Originally posted by lufya456 lufya456 wrote:

Originally posted by yangxi yangxi wrote:


i did a research ald, Alliance give the highest interest rate to us compare to otehr banks... so if you want to save money in banks to get interest i suggest you to put at Alliance acc

I do saving my money at alliance bank and i got dividend from the interest... 
and yeah im also do an online business and alliance also help me a lot when i want to create an account
their staff also friendly and helpful.... besides that, there's no transactions fee! like if u withdraw money at MEPS , still dont have any charge 
not only MEPS.......they also dun charge online transfer, annual debit card, IBG and IBFT..
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yangxi View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote yangxi Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2018 at 10:10am
Originally posted by zac1234 zac1234 wrote:

Originally posted by SuperJJ SuperJJ wrote:

Originally posted by Ahmanran Ahmanran wrote:

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.

Only do investment if you have extra money that you can afford to lose. Most of the time you will be at the risk of losing money rather than earning so I wouldn't count much on that. Prefer you could save your money at bank instead such as Alliance bank which offered up to 3.5% of interest for at least 100k saved.
har..need to put 100k then can get 3.5% interest? haizzzzz i dun hv so much saving lehhh
actually u can put 20k inside and get minimum interest which is 1.8%... more info:  https://voiz.asia/en/31233 and also if u open acc b4 end of this month, u'll get rm40 petrol gift card...

Edited by yangxi - 06 Apr 2018 at 10:11am
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zac1234 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote zac1234 Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 2018 at 10:07am
Originally posted by SuperJJ SuperJJ wrote:

Originally posted by Ahmanran Ahmanran wrote:

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.

Only do investment if you have extra money that you can afford to lose. Most of the time you will be at the risk of losing money rather than earning so I wouldn't count much on that. Prefer you could save your money at bank instead such as Alliance bank which offered up to 3.5% of interest for at least 100k saved.
har..need to put 100k then can get 3.5% interest? haizzzzz i dun hv so much saving lehhh
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