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    • Home
    • About Us
    • Guides

      Savings Calculator to calculate savings goals and basic savings projections

      Planning & Budgeting

      Investment Returns Calculator to calculate investment returns, investment comparisons and investment portfolio simulator

      Saving & Investing

      Guides to tackle financial debts in Malaysia for Free

      Tackling Debt

      Free Guides on Choosing and purchasing a vehicle in Malaysia

      Buying a Vehicle

      Free Guides on Purchasing a Home in Malaysia and avoiding crippling debt

      Buying a Home

      Free Guides On purchasing insurance in Malaysia safely

      Insurance

      Free guides to ensure a comfortable Retirement by planning your retirement

      Retirement

      All Guides Icon

      All Guides

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      Tackling Debt

      When is it best to use your debit card or credit card? 1 - Multiply - Tackling Debt
      16 June

      When is it best to use your debit card or credit card?

      • Posted by Multiply
      • Categories Tackling Debt, Planning & Budgeting, Blog

      Related links: Credit Cards 101 Credit Card Repayment Calculator Credit scoring

      Read More
      How I Avoided Bankruptcy - Part 3 4 - Multiply - Tackling Debt
      08 June

      How I Avoided Bankruptcy – Part 3

      • Posted by Multiply
      • Categories Tackling Debt, Blog

      A true story of how a young man from Sarawak came to Kuala Lumpur for a better life, got buried in debt and is looking for a way out. The final part of a 3-part series.  In the first two …

      Read More
      What Aid Can You Get from the Government’s Pemerkasa Plus Programme? 6 - Multiply - Tackling Debt
      02 June

      What Aid Can You Get from the Government’s Pemerkasa Plus Programme?

      • Posted by Multiply
      • Categories Planning & Budgeting, Tackling Debt, Blog

      With Malaysia under total lockdown from 1-14 June 2021, the government has announced another round of assistance to help Malaysians facing financial difficulties. Here’s what individuals and households can get from the Pemerkasa Plus Programme: 1) Bantuan Prihatin Rakyat (BPR) …

      Read More
      How I Avoided Bankruptcy - Part 2 8 - Multiply - Tackling Debt
      31 May

      How I Avoided Bankruptcy – Part 2

      • Posted by Multiply
      • Categories Blog, Tackling Debt

      A true story of how a young man from Sarawak came to Kuala Lumpur for a better life, got buried in debt and is looking for a way out. Part 2 of a 3-part series.  In Part 1 of this …

      Read More
      How I Avoided Bankruptcy - Part 1 12 - Multiply - Tackling Debt
      24 May

      How I Avoided Bankruptcy – Part 1

      • Posted by Multiply
      • Categories Tackling Debt, Blog

      A true story of how a young man from Sarawak came to Kuala Lumpur for a better life, got buried in debt and is looking for a way out.  19 February 2004. It was a proud date for my family. …

      Read More
      These Six Numbers Could Change Your Life. Do You Know What They Are? 14 - Multiply - Tackling Debt
      21 April

      These Six Numbers Could Change Your Life. Do You Know What They Are?

      • Posted by Multiply
      • Categories Planning & Budgeting, Saving & Investing, Tackling Debt, Buying a Home, Blog

      Do you know what your financial health is? Knowing your financial health will help you: Plan your personal finances See which part of your personal finances you need to improve Understand if you can afford to make important financial decisions, …

      Read More
      Here’s How You Can Get Cash from the Government If You’ve Been Declared Bankrupt 16 - Multiply - Tackling Debt
      07 April

      Here’s How You Can Get Cash from the Government If You’ve Been Declared Bankrupt

      • Posted by Multiply
      • Categories Tackling Debt, Blog

      In the new government aid package PEMERKASA announced in March 2021, the government announced a surprise for people declared bankrupt – If you are bankrupt, you can open a bank account online to get government cash aid.  If you’re in …

      Read More
      What Government Aid Can You Get If You’ve Been Declared Bankrupt? 18 - Multiply - Tackling Debt
      07 April

      What Government Aid Can You Get If You’ve Been Declared Bankrupt?

      • Posted by Multiply
      • Categories Tackling Debt, Blog

      In the new government aid package PEMERKASA announced in March 2021, the government announced a surprise for people declared bankrupt – If you are bankrupt, you can open a bank account online to get government cash aid.  If you’re in …

      Read More
      What Else Do You Need to Know About the Loan Moratorium? 20 - Multiply - Tackling Debt
      17 February

      What Else Do You Need to Know About the Loan Moratorium?

      • Posted by Multiply
      • Categories Tackling Debt

      Since the end of the automatic, blanket loan moratorium in Sept 2020, banks have offered targeted assistance to Malaysians who still need help to repay their loans because they’ve lost income or are getting lower income. On 18 Jan 2021, …

      Read More
      What To Know About Repaying Your Loans Early 22 - Multiply - Tackling Debt
      17 September

      What To Know About Repaying Your Loans Early

      • Posted by Multiply
      • Categories Tackling Debt

      Aidil recently got a promotion and is wondering what to do with the extra cash. But with the current cuts in interest rates, he doesn’t want to put his money into a fixed deposit as the interest he will get …

      Read More
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      How Do You Respond to Inflation? 24 - Multiply - Tackling Debt
      How Do You Respond to Inflation?
      21Jul2022
      Should I Get A Motorcycle 26 - Multiply - Tackling Debt
      Should I Get A Motorcycle
      02Jun2022
      5 Tips to Increase Your Salary 28 - Multiply - Tackling Debt
      5 Tips to Increase Your Salary
      23May2022

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      We are looking for people who are eager to make im We are looking for people who are eager to make impact in the nonprofit space. Join our team of dynamic individuals as we have new and exciting projects for Multiply.If you are passionate about uplifting and empowering communities, click the link on bio to find out more about the role.#hiring #multiply #creadorfoundation #malaysia #socialimpact
      We’re looking for people who are eager to create We’re looking for people who are eager to create movements in the social impact space. Join our team of dynamic individuals as we have new and exciting projects for Multiply and more.So if you are passionate about uplifting and empowering communities, click the link on the bio to find out more about the role.#hiring #multiply #creadorfoundation #malaysia #socialimpact
      Want to own a credit card? Here's what you should Want to own a credit card? Here's what you should consider before becoming a credit card user. To learn more check out the link in our bio.
      Faster, easier, cheaper. But you will have to fact Faster, easier, cheaper. But you will have to factor in key aspects of your situation before deciding on a motorcycle.Find out what they are in our latest infographic! Click the link in our bio to check it out.

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      What's your spending style?

      Managing our spending can be tricky business. So tell us how you spend your money and we'll help you figure out how to make the most of it!

      1. How do you earn money?
      2. How were you managing your finances before COVID-19 hit?
      3. How has COVID-19 affected your spending overall?
      4. How did the movement controls (MCO/CMCO) affect your credit card spending?
      5. If you received Bantuan Prihatin Nasional (BPN) assistance, how did you use it?
      6. If you're taking money from your EPF account during the MCO/CMCO (under i-Lestari), how are you using it?
      7. The loan moratorium was helpful for me because:
      8. The holiday season is just around the corner. What do you have planned for year-end shopping?
      9. Have you planned your budget for 2021?
      10. How are you preparing financially for 2021?
      11. How do you think you'll manage your money in 2021?
      12. What do you think you need most to improve your finances in 2021?
      13. In 2021, my top financial goal is to:
      14. In 2021, my biggest financial worry is:
      15. In 2021, which areas of personal finance would you like to learn more about?
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      Whats Your Finance Personality?

      Find out if you’re a Money Boss, Finance Cadet or a Finance Newbie by taking this quiz!

      1. It's the end of the month, you are thinking...
      2. Say you want to go shopping for fun, do you...
      3. So you crashed your car and it's going to cost RM1,000 to fix, you
      4. Your credit card statement is in and your reaction is
      5. After months of saving (see "sikit -sikit, lama-lama jadi bukit" really is true), you've got cash sitting in the bank. You then
      6. You're buying a new car (yes, imagine away - Toyota, Proton, or BMW). You take
      7. You are thinking of investing. What do you do...
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