Personal financial management, V2
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 Aug 24 2011, 12:34 PM
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#1
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Senior Member
2,361 posts Joined: Feb 2008 
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Quick question to any here. I have Rm 500 in coins consist of 5 cents to 50 cents n I plan to bank in.
Should I segregate the coins for them (the bank), I Or just bring my 3 big container and let them calculate.? Sorry for asking here cz dun wanna open new thread for this noob question |
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Aug 25 2011, 09:36 PM
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#2
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Senior Member
2,361 posts Joined: Feb 2008
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QUOTE(wongmunkeong @ Aug 23 2011, 06:17 AM) Read any good books lately? By the way, I deem the first two books as soooooo OMPH! that I buy several copies of them during book sales and give them to my team members and close friends. Wait lar - when I'm a multi-millionaire in POUND STERLING terms, then I'll buy and give them away to all friends & acquaintances ;P  2. Think Big by Donald Trump 3. Why We Want You to Be Rich by Robert Kiyosaki and Donald Trump  |
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Mar 13 2013, 03:45 PM
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#3
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Senior Member
2,361 posts Joined: Feb 2008
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I use credit card v rebate at this moment . Maybank American Express v RM 50 rebate for every RM 1000 (capped) spend. It's mean 5%. Since I'm going to use to buy groceries, petrol , outside food, I assume is 5% rebate.
But I have to be very discipline to clear all in a month without any outstanding. Each time I swipe the card, I put the cash in a coin box together v the receipt. At the end month, the total money in the coin box is slightly more compare to the actual amount I have to pay (due to rebate). The extra I put in another box. This is how I save by spending. Please bear in mind not all merchant accept American Express... Hehe:) |
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Mar 13 2013, 05:09 PM
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#4
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Senior Member
2,361 posts Joined: Feb 2008
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QUOTE(Smurfs @ Mar 13 2013, 03:57 PM) and use the 5x treats point to offset GST. It's auto offset... So good. I dun recall I have to pay any gst |
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Mar 14 2013, 11:30 AM
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#5
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Senior Member
2,361 posts Joined: Feb 2008
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QUOTE(WintersuN @ Mar 13 2013, 04:53 PM) So u pay your credit kad wif cash every month? For me is i transfer use m2u. Cz if I use transfer, my bank money will deplete even faster. ( because I dun see the money physically ) this how I discipline my self. If I dun have enuff cash, I will tell my self stop swiping that card.. Haha. Dun think i will haf the cash everytime i use credit kad. Like sometimes spend few hundred or maybe thousand. Sure dun haf the cash to put box. Few hundred yes. Few thousands no. Like if I buy furniture, then have to use transfer but only once in the blue moon because v dun buy furniture everyday right. This post has been edited by BboyDora: Mar 14 2013, 11:32 AM |
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Mar 18 2013, 02:52 PM
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#6
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Senior Member
2,361 posts Joined: Feb 2008
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QUOTE(poolcarpet @ Mar 14 2013, 12:37 PM) keeping cash in box, tracking in excel, paying off via online banking are just methods to check spending via credit, not to overspend. everyone will have own methods and thinking and it's good to share out different ideas. i agree with you that if one has discipline, then there is no need to track but honestly speaking, how many of us have bought something we WANT but do not NEED? I can honestly put my hands up high to that question. We are only human. Is just the matter of methods doing self control. I'm the one keeping money in the box but depends on situation. |
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Aug 4 2013, 02:06 PM
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#7
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Senior Member
2,361 posts Joined: Feb 2008
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QUOTE(RO Player @ Aug 2 2013, 03:54 AM) Savings...of 150k...u guys still studying...but still accumulate 150k... Why not ?  total income 2.5k + 2.5k , can save 150k in ur twenties pls la..MBF (mama baba finance) give 120k ... And cover lot of expenses... Sap sap sui la to save 150 k |
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