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      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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      Planning & Budgeting

      5 Tips For Saving Money NOW! 1 - Multiply - Planning & Budgeting
      15 September

      5 Tips For Saving Money NOW!

      • Posted by Multiply
      • Categories Planning & Budgeting

      These are scary and uncertain times. For some lucky people, it’s just a case of working from home with a guaranteed salary at the end of the month. For others, there may be a salary cut, unpaid leave or worse, …

      Read More
      What Government Aid Can You Get From The Pemerkasa Package? 3 - Multiply - Planning & Budgeting
      22 March

      What Government Aid Can You Get From The Pemerkasa Package?

      • Posted by Multiply
      • Categories Planning & Budgeting, Blog

      It’s been one year since Malaysia has been fighting COVID-19. But because of the economic slowdown which happened starting from MCO 1.0, many Malaysians are still facing financial difficulties.  So, on 17 March 2021, the Prime Minister announced a new …

      Read More
      Should You Sign Up for EPF’s i-Sinar? 5 - Multiply - Planning & Budgeting
      10 March

      Should You Sign Up for EPF’s i-Sinar?

      • Posted by Multiply
      • Categories Blog, Planning & Budgeting, Retirement

      The government just announced that all EPF members can withdraw their savings from Account 1 under the i-Sinar scheme. Previously, you had to meet certain requirements, like if you lost your job or got a pay cut, to get approval …

      Read More
      Filing taxes
      03 March

      Five steps for filing your taxes

      • Posted by Multiply
      • Categories Planning & Budgeting, Blog

      The deadline for filing your taxes is on 30 April 2021. Check out this infographic for a step-by-step guide on how to file your taxes! If you want to know more about how to file your taxes, you can read …

      Read More
      Beware of Investment Scams! 24 - Multiply - Planning & Budgeting
      05 February

      Beware of Investment Scams!

      • Posted by Multiply
      • Categories Saving & Investing, Blog

      A content collaboration between Multiply and Bursa Malaysia Recently, investment scams have become more widespread in Malaysia. Many of these scams involve the scammer promising high returns to the would-be investor with little or no risk. The current low interest …

      Read More
      What Government Cash Assistance Can You Get in 2021? 26 - Multiply - Planning & Budgeting
      25 January

      What Government Cash Assistance Can You Get in 2021?

      • Posted by Multiply
      • Categories Planning & Budgeting

      Infographic With many of us hoping that the start of 2021 would bring something better after the difficult year of 2020, we Malaysians may face new financial concerns with all states except Sarawak under an MCO until 4 February. If …

      Read More
      Setting Your Financial Resolutions 38 - Multiply - Planning & Budgeting
      30 December

      Setting Your Financial Resolutions

      • Posted by Multiply
      • Categories Planning & Budgeting

      The new year is almost here! While people usually set their new year’s resolutions at this time, have you ever thought about setting your financial resolutions? And after the rollercoaster year of 2020, with Covid-19 and the economic downturn, now …

      Read More
      Personal Tax Reliefs For 2020 40 - Multiply - Planning & Budgeting
      28 December

      Personal Tax Reliefs For 2020

      • Posted by Multiply
      • Categories Planning & Budgeting
      Read More
      6 Tips to Budget for The New Year 46 - Multiply - Planning & Budgeting
      09 December

      6 Tips to Budget for The New Year

      • Posted by Multiply
      • Categories Planning & Budgeting

      The year 2020 has been a tough one for all of us, mainly for reasons out of our control. The Covid-19 crisis and economic slowdown were just some things that have made it a year many of us just want …

      Read More
      What You Need to Know About EPF Account 1 Withdrawals 48 - Multiply - Planning & Budgeting
      03 December

      What You Need to Know About EPF Account 1 Withdrawals

      • Posted by Multiply
      • Categories Planning & Budgeting

      EPF has given more details about the Account 1 withdrawal scheme, known as i-Sinar, which was allowed under Budget 2021.   Who can use i-Sinar? EPF has identified two categories of account holders who can withdraw under i-Sinar. Category 1 Category …

      Read More
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      Latest Posts

      How To Clear Your Debts Using The Debt Avalanche Method 50 - Multiply - Planning & Budgeting
      How To Clear Your Debts Using The Debt Avalanche Method
      20Jul2023
      OPR Hikes: Win or Lose? Here's How You Can Come Out Ahead 52 - Multiply - Planning & Budgeting
      OPR Hikes: Win or Lose? Here’s How You Can Come Out Ahead
      22May2023
      New to financial planning? What should I do? 54 - Multiply - Planning & Budgeting
      New to financial planning? What should I do?
      05May2023

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      Baru-baru ini, Bank Negara Malaysia (BNM) telah na Baru-baru ini, Bank Negara Malaysia (BNM) telah naikkan kadar OPR ke 3%! 😱Tiap kali OPR naik, ramai akan risau. Tetapi apakah kesan sebenar kenaikkan OPR? 🤔Ada yang kata tak bagus, ada yang kata bagus kesannya. Dalam video ini, kami bongkarkan kebenaran tentang OPR yang ramai telah salah faham. Dan jika anda ingin mengetahui cara anda boleh bertindak balas secara positif terhadap kadar OPR baharu, tekan link di bio untuk membaca artikel terbaru kami yang mengandungi langkah-langkah yang boleh diambil supaya kadar OPR tidak menjejaskan kehidupan seharian kita.#OPRNaik #OPRhike #BNMOPRhike #interest #interestrate #banks #financialjargons #financialplanning #financialgoals #financialliteracy #financialeducation #personalfinance #multiplymalaysia #malaysia
      The excitement of Coldplay live in KL is hard to r The excitement of Coldplay live in KL is hard to resist, but ticket prices are high, leaving many of us feeling #FOMO for not being able to afford it. To go or not to go? That's the question we're all pondering...Before making that decision, ask yourself, “Can I afford this or will I overspend just to keep up with my friends?” The truth is, self-esteem and peer pressure are among the potential main factors that drag youths into financial trouble at an early age. According to financial consultant Shamsuddin Abdul Kadir, most students tend to overspend to appear as equals with their peers despite being in a fragile financial position.So, before making a rash decision to purchase those exorbitant #ColdplayinKL tickets that could lead you to further financial burdens, read on for some quick tips on handling financial peer pressure and to put your financial well-being first! #ColdplayinKL #ColdplayMY #financialplanning #financialgoals #financialliteracy #financialeducation #personalfinance #multiplymalaysia #malaysia
      "Bank Negara Malaysia raised the OPR to 3%? So, wh "Bank Negara Malaysia raised the OPR to 3%? So, what?"I'm sure many of us are confused and rolling our eyes to yet, another financial jargon to understand! But the thing about changes in the OPR is that it affects the living standards of every one in Malaysia. Thus, the OPR or Overnight Policy Rate, is an important concept for Malaysians to comprehend so that we can make better financial decisions moving forward. We've simplified the definition just for you! Swipe right to learn more.#OPR #OPRhike #BNMOPRhike #interest #interestrate #banks #financialjargons #financialplanning #financialgoals #financialliteracy #financialeducation #personalfinance #multiplymalaysia #malaysia
      Do you find yourself scratching your head, wonderi Do you find yourself scratching your head, wondering where all your hard-earned money has disappeared to? It’s easy to get carried away with spending and paying bills these days, especially when payday comes around.The good news is that you can get your finances back on track by utilising a monthly budget worksheet! Don’t have one? No worries! Multiply’s monthly budget worksheet is the perfect tool to help you break down your monthly income and expenses, so you can have a clearer overview of your budget.Whether you’re saving up for a vacation, trying to pay off debt, or just want to have more financial freedom, our worksheet is the perfect place to start. Click the link in our bio to download the worksheet! #budgetworksheet #financialliteracy #financialeducation #multiplymalaysia #budgeting #savings #personalfinance #budgetingtips

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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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      What’s your finance personality?

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      What’s your spending style?

      Language :

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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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