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.
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:
International money transfers/payments
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.
When Perbadanan Insurans Deposit Malaysia – PIDM for short – contacted me about doing a paid collaboration, I was confused. Unlike other sponsored post inquiries I get, PIDM has no products or services to sell. If anything, their services are (1) free and (2) automatic.
Then they told me their reasons. They’re to:
Promote awareness on PIDM’s protection services so that people are assured that their deposits, takaful and insurance benefits are safe;
Inform which financial products are protected to prevent scams by unscrupulous parties, and;
Let people know what they should do IN CASE their banks, takaful and insurance companies go bankrupt (stay calm, see #3).
So apparently – and I didn’t know about this before – there are people out there who scam your family and friends because they don’t know about PIDM?? That is horrible! And this is why PIDM wants to tell the public who they are and what they do!
So I said yes, and together we created this plain-English article about what PIDM does.
When I was 17-18, I worked as a telemarketer for about 3 months. For an outsourcing company, on behalf of a major insurance provider. I can’t remember the name of the insurance company, or even the product name now. That’s weird, because day-in, day-out, I repeated the same script in hundreds of cold calls.
I earned at least RM3000 per month in those 3 months. This was the point in my life when I knew I could do sales.
Here are some telemarketer sales tactics, and advice for you to resist those sales.