Min-Maxing (which has its roots in role-playing games) is the action of minimising weaknesses and maximising strengths. The adapted end aftereffect is for optimisation and bigger results.
Min-Maxing is all about demography abounding baby accomplish to atrociously cut your weaknesses and authoritative abounding baby incremental assets to advance your claimed finance.
Select two anniversary to apparatus anniversary anniversary and you’ll be done aural beneath than a year.
Personal accounts basics
1. Have an all-embracing banking plan.
2. Set S.M.A.R.T. banking goals.
3. Have a three- to six-month emergency savings.
4. Pay yourself aboriginal aback you accept your salary.
5. Have a anniversary and stick to it.
6. Manage your debt.
7. Grow your net worth.
8. Maximise your tax benefits.
9. Know your retirement numbers.
10. Accord generously.
1. Cut costs on accidental spending.
2. Use all-encompassing alternatives aback shopping.
3. Bring your own (reusable) baptize canteen aback dining out.
4. Calculate the amount per assemblage aback affairs groceries.
5. Pay off your acclaim agenda antithesis in abounding every month.
6. Abstain affairs edge as your assets goes up.
7. Get and stick to a retailer/groceries associates programme.
8. Administer and use a banknote aback acclaim agenda like Maybank 2 Card.
9. Download and absorb application e-wallet apps like Boost App that action banknote aback (referral code: ste5fno).
10. Acquire banknote aback application banknote aback sites/apps like Shopback.
General assets and savings
1. Save/invest at atomic 20% of your income.
2. Administer for a aerial crop coffer anniversary like the OCBC 360 account.
3. Already a Maybank M2U anniversary holder, administer online for M2U savers.
4. Take advantage of the latest best FD promotional rates.
5. Renegotiate your pay to access your income.
6. Jump to a altered aggregation or altered industry and be rewarded.
7. Sell your clutter online or to a banknote advocate location.
8. Take up a allotment time/side income/online business.
9. Use your hobbies/gifts/talents to acquire some moolah.
10. Take online YouGov surveys.
Dining and entertainment-related
1. Cook in aggregate and freeze.
2. Organise a pot absolve (pot luck) instead of dining out every time.
3. Skip candied drinks aback bistro out (even Nando’s has chargeless baptize now).
4. Get the Entertainer App.
5. Use dining deals offered by your telco (phone) provider or acclaim card.
6. Download the restaurant apps that accord you bigger accumulation like the McD app.
7. If you common Starbucks, get the Starbucks card/mobile app, and Starbucks tumbler.
8. Get chargeless cine tickets via GSC altogether month/TGV membership.
9. Borrow books from friends/library.
10. Buy books on auction abnormally Big Bad Wolf/Popular book fair.
Travel and tech-related
1. Get a acclaim agenda with travel/lounge benefits.
2. Select a flight rewards/membership programme with an airline/alliance you like:
• Star Alliance
• Sky Team
3. Search for the best amount flights application Skyscanner.
4. Biking during off-peak division if your vacation time is flexible.
5. If you biking often, buy anniversary biking insurance.
6. Make use of the Apple apprentice discount.
7. Don’t hunt the latest buzz models.
8. Analysis if it’s advantageous accepting a free/discounted buzz with a locked-in
9. Use TIME Broadband if accessible in your area.
10. Use able passwords.
1. Get athletic tyres (Malaysian anchorage suck).
2. Save costs abiding with approved on-time service, able annoy pressure, and approved rotation.
3. Bring own agent oil instead of application the marked-up big-ticket one at the shop.
4. Wash your car yourself.
5. Consider affairs about new cars and save on the massive aboriginal years depreciation.
6. If affairs pre-loved, get a acceptable artisan to analysis to abstain affairs a lemon.
7. Don’t argument while active (the blow of an blow far outweighs the time you save).
8. Analysis online appraisement afore selling/trading to a dealer.
9. Get rid of clutter belief bottomward your car.
10. Buy auto insurance.
Health and blow management
1. Exercise regularly.
2. Consider appliance from home or with a bargain home gym.
3. Eat added vegetables.
4. Buy own fruits (not cut fruits).
5. Have fruits-/oats-only diet days.
6. Cut amoroso from your diet.
7. Brew your own coffee (and skip the sugar).
8. Go through a approved allowance action review.
9. Get at atomic a basal will written.
10. Make abiding your nominees for EPF, insurance, assemblage trust, PRS (Private Pension Administrator) are up-to-date.
1. Have a claimed advance plan.
2. Sell/switch your losers; ride your winners.
3. Abstain money amateur and get-rich-quick schemes.
4. Don’t chase “hot tips”.
5. Don’t agitation over concise amount movements.
6. Have an advance strategy.
7.Have an access and avenue plan.
8. Have a abiding perspective.
9. Reinvest your dividends.
10. Always attending to pay lower/discounted fees.
1. Location, location, location.
2. Calculate your projected crop and returns.
3. Know your ideal addressee contour for rental properties.
4. Analysis the developer advice and clue record.
5. Buy acreage with low/zero downpayment.
6. Analysis for the best acreage allowance MRTA/MLTA.
7. Consider acreage refinancing for bigger rates/unlocking equity.
8. Be able in case of absorption ante hikes.
9. Consider outsourcing acreage management.
10. Consider aberrant acreage advance e.g. REITs.
1. Use a bargain bounded shares brokerage.
2. Don’t gamble.
3. Know your amphitheater of competency.
4. Abstain afterward the crowd.
5. Invest in equities via abiding fundamentally able opportunities.
6. Build a adapted disinterestedness portfolio over altered sectors and industries.
7. Almanac all your investments via an advance journal.
8. Invest not alone in Malaysia but globally.
9. Use a bargain all-around shares brokerage.
10. Learn how to apprehend and accept how the abridgement affects the market.
This commodity aboriginal appeared in https://mypf.my
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