The Best Way to Make More Money
Let’s be real. The thing that most people are looking for is how to make more money. Most bloggers talk about investing. Others talk about saving. But no one has ever talked about the biggest thing that you can do for yourself: hacking your career growth to become so valuable that you get to choose who you work with.
Well, The Star has reported that both Maxis and TM have both updated their broadband plans. Maxis even has a plan that is under RM100 a month. The MaxisONE 30mpbs plan has unlimited quota and costs RM89. If it lives up to its claims, you should be able to get close to 3MB/s in both download and upload speed, which is enough for 3 different Netflix shows to run at the same time (meaning it’s most likely more than enough for a family).
They will officially start installations on 13 September but I suggest you wait a little longer to see how the rest of the competition will respond (I’m counting on you, Time!)
I’m really happy that I have not jumped the gun and signed a broadband contract when I moved into my new place. I’m also super excited to see how Time will respond as they tend to have the best broadband deals.
Take away: cheaper internet is soon available but wait a bit longer before signing or committing to it!
OCBC Bank rolls out savings account with FD-type interest rate
If you or someone you know (ie parents) put money in fixed deposits that give 3.25% or less, OCBC might be able to offer you a better deal.
OCBC has improved their interest rate offerings for their Booster account holders. Now if you put over RM30,000 into OCBC booster account, you will get a return of 3.25% (after their promotional period of 3.5%). Although there are still fixed deposits that offer higher interest rates, the key benefit with this account is that you can also withdraw the money in case there was ever an emergency (as opposed to having it locked for up to 5 years). This makes for a great place to leave your emergency fund (if you have that much saved up).
Take away: if you have over RM30,000 sitting in a bank, consider moving it to OCBC and get a 3.25% return.
(image from shutterstock)
This blog gives you the basic steps in planning out your meals. I found it super helpful as I’m looking to be more conscious of what I eat so to have a list of meals I know will take care of my health and how I would go about making them regularly is super helpful.
If You’ve Experienced Lifestyle Creep, Read this.
This is a great blog post about understanding that money is here to help us live the lives we want. The writer talks about starting off his journey with his girlfriend living in a mold-infested place for $350/month and how they slowly moved into nicer, bigger places. How they went from one beat up car to two cars, one of them a Tesla.
The point he’s trying to make is that it’s okay to want more, have more. So long as your income is also increasing (related: the best way to make more money), but more importantly, so long as you are consciously deciding on wanting to make the lifestyle upgrade and not simply caught in wanting it because everyone around you has it.
As the blogger puts it:
“Whether you tend to spend a lot or prefer to live frugally, the important part is why?
Are you trying to impress someone with your choices? Instead, what about figuring out what you really want, and being true to that? It’s way harder than matching someone dollar for dollar on a fancy new phone (which looks pretty awesome) or pleasing your frugal inlaws, but there’s real magic in aligning your money choices with your truest desires.”
Practical Goal Setting for Finance and Personal Success
A very well written piece around what exactly it means to set goals for yourself. The main steps are:
Are you a shopaholic? How to fight a shopping addiction
How to fight the shopping addiction:
What to do when you’re tempted to buy? Ask yourself the following:
