This Friday I will going back to hometown (KT) for my younger brother wedding ceremony. So, every week i always have something to do. Last week, i had attended the talk in PJ for my medical updates and news. Also, this Friday, my workplace will have fire drill.
For investing, no capital to invest at this moment. I need to clear the debt first before thinking for investing.
Tuesday, October 11, 2011
Saturday, October 1, 2011
Personal debt
I have made a lot of debt recently and till now still servicing the debt either from the loan, credit card and other thing. Majority of our Malaysian will have zero money to keep even the calendar not yet reaching the middle month. So, finacial planning is very important subject to handle in this isssue.
House Loan
Need refinance. Must check the cost involved and how much the saving can we make. Please read the term and condition before do it.
Credit card
1. Reduce using credit card maybe to the necessary thing only like petrol and monthly bill
2. Consolidate credit by balance transfer program which give 0% interest or lower than credit card interest.
3. Less shopping..less using credit card.
Saving
need to increase saving in the instrument that can give high return like shares, unit trust and ASB
Increase Income
Soing more job outside your daily job or can do more overtime
House Loan
Need refinance. Must check the cost involved and how much the saving can we make. Please read the term and condition before do it.
Credit card
1. Reduce using credit card maybe to the necessary thing only like petrol and monthly bill
2. Consolidate credit by balance transfer program which give 0% interest or lower than credit card interest.
3. Less shopping..less using credit card.
Saving
need to increase saving in the instrument that can give high return like shares, unit trust and ASB
Increase Income
Soing more job outside your daily job or can do more overtime
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