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Personal Financial Management V3, It's all about managing your $$$
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heavenly91
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 Jul 24 2016, 10:08 PM
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QUOTE(Haunter99 @ May 24 2016, 02:11 PM) Hi, need some info here, currently i have a car loan, ploan, cc and ptptn. Is there any way i can apply for overlapping loan to settle all? i've heard about overlapping loan but it seem not much info i can get on internet. thnx Having same problem here too |
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heavenly91
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Jul 24 2016, 11:16 PM
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QUOTE(kengyan @ Jul 24 2016, 10:49 PM) Try to list down what type of loans you have first. Follow by listing down waste. Then start reducing waste and settle short term loan follow by long term loan. Ptptn Car loan Apartment loan These 3 |
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heavenly91
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Jul 25 2016, 06:47 AM
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QUOTE(kengyan @ Jul 25 2016, 06:30 AM) car loan > ptptn loan > flat loan. no waste? Insurance, parents expenses, fuel, food Well I guess I got not much to waste after all of these expenses |
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heavenly91
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Jul 25 2016, 08:12 AM
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QUOTE(kengyan @ Jul 25 2016, 08:10 AM) Nope, insurance, food(if you choose to eat in franchise), data plan are waste. I usually take Mixed Rice. I am using Umobile RM70/mth due to its unlimited calls (My work requires to call ppl a lot) |
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heavenly91
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Jul 25 2016, 11:29 AM
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QUOTE(kengyan @ Jul 25 2016, 08:16 AM) If can claim from company than is ok. Can claim but I chose not to.. I don't feel good revealing to whom I called |
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heavenly91
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Jul 25 2016, 01:35 PM
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QUOTE(kengyan @ Jul 25 2016, 01:24 PM) I see, if this is the case, I'll opt for 2 lines, 1 for company usage and another for private calls. But is up to you, out of rm70, if rm65 are private calls, then better stay at it is. Else, get 2 lines which can help you to save some money. I see.. Noted. For now my solution is to work on self-improvement in my work field. So that I can get promoted & increment... |
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heavenly91
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Jul 25 2016, 03:04 PM
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QUOTE(kengyan @ Jul 25 2016, 02:03 PM) Getting increment is 1 of the way, but then will it be every year? Some can get high increment and suddenly get 0 salary due to lost of work. So far I get increment yearly |
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