Goals

There is no shortage of advice on how to manage your finances. From online articles, newspapers and magazines, to radio and television programmes, social media, podcasts and videos, there are tons of resources available that provide guidance on financial management, along with new digital tools that can help. Even your family, friends and relatives are all eager to dispense their wisdom on this topic.
But while the tips and ideas are all useful, ultimately there are three we consider the golden rules of good financial management - the core basics which everyone should get right to

Being financially fit and being wealthy are what many people aspire to achieve. But how are they different, and which one should you prioritise? Here’s a quick summary:
Being financially fit is crucial for a well-balanced, stress-free life.
A key pillar of financial fitness, as highlighted in the infographic above, is having financial protection. An emergency fund certainly helps but that isn’t always enough. To really secure your finances, an insurance policy is essential. This important tool provides a safety net to help you cope financially and emotionally when

Time and money are two topics that often get debated.
Most articles and many people think time is more important and more valuable than money. But is that really true?
Source: Late Night with Seth Meyers
Why time is important
Time waits for no one, which makes it a precious resource - once it’s gone, you can’t get it back.
This is why time should be used wisely and why there’s the saying that “time is money”. We only get 24 hours of this valuable currency “deposited” daily into our “time accounts”, and this amount resets at the end of the day and cannot be

Your net worth refers to the difference between your assets and liabilities.
It provides a big picture view of your current financial situation - think of it as a financial report card that allows you to evaluate your current financial health, and helps you figure out what you need to do to reach your financial goals.
Source: Money Life Wax
How to calculate your net worth
You can do this in three easy steps.
Step 1:
Add up the total value of all your assets.
Your assets are resources that have economic value with the expectation that they will provide

Starting and raising a family can be one of the most rewarding life experiences you’ll go through. But it also means big changes to your lifestyle, as well as your budget. So it’s not a decision to be taken lightly and requires careful consideration.
In Malaysia, the costs for raising a child are becoming increasingly expensive. So getting your finances in order should be your priority before anything else. Here’s what you will need to account for:
Source: memegenerator.net
Car and housing loans
Purchasing a new car and home may very well be one of the most