03/10/2022
Guys, say if you’re bringing home RM 5-10k a month and you’re getting ready to put a ring on your beloved, do you have a plan on what’s coming after that?
If you’re a KING, you’d be looking at three main pillars of money management:
1. Allocate your personal income
An income allocation that makes sense is the first step in manifesting personal financial freedom. For those who haven’t done so, the following methods are worthy of consideration:
💲55%: Paying your bills
💲15%: Investments
💲10%: Learning and growing your knowledge
💲10%: Travel and see the world
💲5%: Indulge and pamper yourself
💲5%: Social events, meeting friends, and charity
2. Improve your CCRIS (Central Credit Reference Information System) Score
A thousand-mile journey (of finance) begins with your first credit card! Many of those who are stepping into the world of adulting fail to recognize the importance of a credit score. Whether it’d be buying a house, a car, a wedding ring, taking out a loan, or paying by installments for an item purchase, you’d need to start off with an immaculate CCRIS profile. To build a profile, start using a credit card, but remember the following:
💲Set your spending within your means (according to the income allocation above)
💲To keep a good record, settle your credit card statements in full and on time every month
💲Never default on any loan to the bank.
Based on the above points, getting a loan approval should be a piece of cake.
3. Invest and manage your wealth
Now, this is an important one! There are many ways to grow your wealth, such as crypto, shares, or forex. However, in the shoes of a fellow bro getting married, the risks of things going south are too high; you could be losing more than you would be gaining. Buying a house for marriage is not just an investment, but also a means of getting your s**t together. So why not kill two birds with one stone?
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