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All the Financial Tools I Use for My Own Money Management (Malaysia-Specific)

The other day I was listing out all the financial tools that I personally use for money management in my notebook, and the list got kinda long.

That got me thinking – all of you must have your own money management system, right? Even if it’s in your head, even if it’s messy. You know, more or less, that the money in account X is for daily use and the money in account Y is earmarked for, say, retirement.

I did that list because (1) it’s good to know exactly what I have and what I use it for and (2) I don’t want to accidentally forgot about an account, which happens more often than you’d think (that’s why there’s over RM5.77 billion in unclaimed money???).

So here you go – an article compiling all the financial tools I use for my own money management. Please don’t @ me if any of them sucks for you – they’re just the best option for my situation right now – I’m not loyal to any of them and happy to switch to better solutions as and when it suits me. Also please don’t take anything here as investment advice.

The financial tools are arranged in this order:

  • Bank account
  • Credit cards
  • Debit cards
  • Pre-loaded/Loyalty cards
  • E-wallets
  • International money transfers/payments
  • Investment
  • Retirement
  • Insurance
  • Estate-planning
  • Accounting
  • Budgeting app
  • Other accounts with money inside it

Just to maintain some sort of neutrality, this article itself is free of referral links, but related articles and embedded social media posts may include links.

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[SPONSORED] 4 Lesser-Known Tips to Get The Best Credit Card in Malaysia (For You)

Choosing the best credit card in Malaysia is like choosing dates on Tinder. Sometimes, you accidentally ignore the good cards (fast left swipes). Sometimes, the cards themselves beg for your attention (superlikes). And sometimes, the cards you want are not available to you (they didn’t swipe right for you..).

It can be a frustrating search process. You thought you have a lot of choices, but why is none of them suitable? But eventually you’ll find that perfect match for you, and you’ll never imagine life without them. Amirite, Tinder couples reading this?

Tinder analogy aside, credit cards really are great financial tools. I use them to earn points, shop (online and offline), make instalments on larger purchases and top up e-wallets (usually for the discounts). If you can practice these habits that make you a responsible card user, I’d recommend you to get one. They can help you build a good DSR score, too – good if you’re planning to buy a house in the future.

Here are some lesser-known tips I can offer you.

Tip #1 – Always start with the process of elimination

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