Talking about personal finances, any recommendations on expense tracker app that easy to use and can be ported out to excel and most importantly free?

Don’t need any fancy future retirement planning etc. it’s nice to have but not a must.

Currently I’m doing it old school way that I will tabulate all my expenses every few days with the receipts from CC.

I use Cc for all my expenses as much as possible instead of cash for the receipt and record to ease reconciliation later. I will pay even massimo bread with Cc… 😅 only tough part is food court and roadside with no such facilities hence the apps tracker for it if any.

Thanks

https://www.malaymail.com/news/malaysia/202...es-rm161m/71679

I'm sure it has been discussed somewhere before. if not here you go. Some here already in 1% club but maybe not yet 0.1% club. if cannot FI/RE then something wrong I guess

I use "Easy Expense". It's free and can export to Excel.

Generally those akiya or free/low cost abandoned house are usually with poor location and abandoned for a good reason. Not so much of ex dead owner but rather it cost too much to be rebuilt hence abandoning it. Japan still have inheritance tax which can be prohibitive which is why some offspring rather not having such unless it commercially viable to be inherited for rebuilding. There tend to be situated in country side even within Tokyo or Osaka. With such huge sizes and pocket of area with little access ie train or amenities, it’s fall off the typical Japanese radar. Some soc med trend now in YT with increasing foreign content creators jumping in and buy such and rebuild them for their content. The Chinese investor has been lured onto it for quite a while now (not the YT type) and convert them to Airbnb etc. but Japan city ordinance on such are grey and complicated that commercial return is questionable unless it is located in a prime location like very close to train station etc.

Those that can be rebuild and resell with profits are generally rare and would have been taken up by the owner or real estate company.

no money to make tak laku as usual...mentality problem.. must only stay in new houses.... must only buy new car......there goes the money...
2nd hand car shop can close liao...if same mentality spread to cars.

i have not bought a car for myself since 1990! 

this sentence can also mean...

ive been buying new cars for wifu and kids since 1990, and got a new Harley Davidson for myself...

Yeah. i bought 2 cars for waifu since 1990. We still have a Honda CRV from 2002.
No vehicle for myself.   

hmmm... so... company car and driver?...

myself still driving Suzuki Swift 2005...

True , 850k DS corner rent only RM1200, higher people not willing to pay susah...
if everyone same mentality look down on used  properties
must live only in new houses only ...shouganailah.

here decrepit houses in  central location  people offering good prices also
demolish rebuild sell make money........

same thing cannot be done  in places like Tokyo?

Hi. Can i know which location old DS 850k market value rent out for 1.2k?

Also yes i have interact a lof with most of my circles and even my wife. It seems Malaysia dont like old subsale units eventhough it far more cheaper and bigger in size than new ones.

Recently my fren was asking me is it okay to buy a rm600k 1.4k sqft service apartment from developer. I said good size. But show him in the same neighbiurhood, an old 2 storey subsale townvilla bigger size 1700sqft selling for rm360-380k. Hes totally not interested lol 😅

Hi. Can i know which location old DS 850k market value rent out for 1.2k?

Also yes i have interact a lof with most of my circles and even my wife. It seems Malaysia dont like old subsale units eventhough it far more cheaper and bigger in size than new ones.

Recently my fren was asking me is it okay to buy a rm600k 1.4k sqft service apartment from developer. I said good size. But show him in the same neighbiurhood, an old 2 storey subsale townvilla bigger size 1700sqft selling for rm360-380k. Hes totally not interested lol 😅

New millennials don't understand the TRUE value of money... just wants things spanking new.

New millennials don't understand the TRUE value of money... just wants things spanking new.

YOLO, the government and country look bleak as well.

Hutang first, enjoy dulu, suffer later

home for own stay... best pay more for good environment...

car... always buy new from p2... they hardly depreciate...

Depreciate same lah if u calculate %. Just that its cheap, so ok lor.

ya... axia myvi 1-2 yrs drop 1-2k... might as well buy new...

but bmw always premium selection 1 month old 1k mileage... 80-100k off... lol... or 5 yr old after full end of warranty service ...

anyways... my next car probably ev...