Hey folks,

Need some financial advise here.

I just received my bonus and net amount is RM11,000

I was thinking to pay some of my credit card debts.

Maybank RM20,000
CIMB RM12,000
Citibank RM12,000

Do you think I should just pay off one CC or I pay 40% for MBB, 30% for CIMB, and 30% for CITI?

Please advise me on this

Hi guys,

Hope I'm not posting in the wrong place. This is to get some financial advice right? Not too much info on 1st page ... sorry if I'm doing the wrong thing yeah. Little background of myself

Age: 30 this year
Work experience: 7years+
Annual income (according to EA form): about 100k

What I have:
A car - Paying RM900 monthly, will finish in 1.5 years time
Emergency fund - 20k in FD (not touching this)
Savings - 20k

Investment:
Not sure if I should call this investment but I've joined a plan by PB bank last year (dunno got kena con onot =.=)
It's called the PB Advantage plus. Basically need to pay about 6k every year for 10 years then after 25 years can get about 100k+ something like that ... So far pay 1 year only .. anyone investing in this? If is con I think better take out my money now 

That's all. No house no gf no family yet I really dunno what to do with my money. How am I doing as a 30 years old? Quite bad ?  I have read something about REIT stocks, not too risky and just eat dividend, any comment on this? I'm not a high risk taker and also worried about buying properties for investment purpose.