SM Magazine December 2015 by komstudio8

Magazine December 2015

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DECEMBER 2015

Magazine December 2015

From all of us at savemoney

Magazine December 2015

Travel

Christmas

Finance

FINANCE • Revamp Your Finances with Savemoney’s 7-Days of Lessons to Money Fitness! • Apply for a New HSBC Credit Card and RinggitPlus Will Give You a Free Grill Pan! • 5 Extra Costs You Don’t Budget For But Probably Should

SM CHRISTMAS EDITION • Celebrating a Traditional Christmas on a Budget • Should We Still Buy Each Other Christmas Gifts? • 3 Easy Recipes for Must-Try Christmas Dishes • Tips to #SaveMore This Christmas • Turn Your Home into a Winter Wonderland this Christmas

SAVEMONEY TRAVELLER • Here’s How to Take a Super Cheapskate Vacation

SAVEMONEY TOP PRODUCT TABLES

Magazine December 2015

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Magazine December 2015

Snatch all shopping vouchers from household name websites like Groupon and Lazada, they pretty generous this time of year.

Alter your clothes for more use and better fit. Grown under a pair of jeans from last Christmas? Shhh.. You can still tell everyone itâ&#x20AC;&#x2122;s brand new after altering.

Thinking of getting a gown or dress custom made? Get a local seamstress to remodel that super expensive Dolce & Gabbana youâ&#x20AC;&#x2122;ve been eyeing from two Christmases ago.

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Magazine December 2015

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3 THINGS TO DO FOR YOUR FINANCES BEFORE THE YEAR END The year is almost at an end and it's the time most companies will start scrambling to close the books and spend whatever budget they've been given. Fortunately for you - you don't have such problems as an individual but are there things you could be doing for your financial well-being before the year is out? There are always ways you can better manage your money or make it grow even more exponentially in the coming years. All it takes is a bit of effort. Here are 3 simple things you could do to make the transition from 2015 to 2016 with financial flair.

Gather Your

Receipts and R ecords

Throughout th e year you will be collecting re and statements ceipts ; policies and re cords. It's time gather all of th now to ese and take a good look at th of us tend to sim em . Many ply toss these in to the trash or them without ke ep ever looking at them. But ther good reasons w e are a few hy you should pay close attent ion:

1. For income tax purposes. Collect your in

come tax relate d receipts in on (education, med e place ical, books, insu rance premium and take a good s paid) look at how m uch you've spen your allocations t versus . Could there be more things yo do/spend on be u could fore year end to maximise your tax deductions income ?

2. For spendin g pu

rposes. Taking a look at whatever receip ts you may have hoarded in one place will give yo u an idea of yo spending habi ur ts. Have you be en sp ending too muc on your hobbie h s or too little on the things you need in life (like really medical check ups and insura plans)? Seeing nce these habits in bl ack and white help you with co can urse correction. 3. For paymen t behaviour pu rposes. Have you been

paying too man y loans and bills too late and in much curring needle ss la te fees? Taking at your statem a look ents will show you how much is funnelling aw m on ey ay needlessly to pay for such fe encourage you es an d to work a system to better manag your payment e times.

Set Goals and Targets for Your Finances Next Year Where do you want to be financially in the next year? Now is the time to think about it and decide! Do you want to earn more money or do more with what you do have? Both of these plans will require some action on your part and not merely wishful thinking. Take the first step by really thinking about what you want and then note it down. You can continue by detailing possible plans of action and smaller goals to achieve before you hit the bigger ones. Writing down your goals is a good first step to showing the commitment to getting them done and there have been studies done to show how they can significantly impact achievement of those goals; so why not get started?

Review Your anking Products B Accounts and help you tive products to

new and innova stuck using a selves up with em th ip tr s ese if you're still th nk of ba , e ar us ye e y ak er m t Ev you can' ur money. But nefits. #GetMore for yo a 2004 list of be ith w e ag tg or m a credit card or on market what is in the h it w ve ha u ucts yo banking prod Compare the of return? u the best rate yo g in offered? iv t g si depo currently being is t ha w  Is your fixed to s fit bene you matching and realities? dit cards giving re c ur yo re rrent packages A cu  ith w r pa interest rate on using a e loan package ve and spend by  Is your hom ha u yo ey on m ise the s you can maxim sits?  Are there way and fixed depo ts un ving acco sa of n tio na bi com

Taking a good look at what you have versus what is being currently offered is a good way to constantly update your banking portfolio to work more efficiently for you. Of course, if your older product is giving you better value then keep mum and enjoy the benefits! Don't worry about trying to find out the latest and best products in the market - we've got the full list of the most updated promotions on our site. Whether you want a new fixed deposit, credit cards or the latest home loan - check out our product pages for all the information you need and compare this with what you have.

Are you really getting more for your money? If not; maybe 2016 is the time to change!

Credit Cards + Personal Loans + Home Loans + Car Loans + Insurance + Internet. This was brought you by Diana Chai from RinggitPlus.com. RinggitPlus compares credit cards, personal loans and home loans to help Malaysians get more for their money. Disclaimer: This article is for information only. Nothing in this article is an endorsement, recommendation or suggestion of any banking, monetary or financial institution, product, service or security, in any form whatsoever. It is not, and shall not be construed as, an offer (that is capable of being accepted) of any credit card, or a solicitation or invitation to purchase or otherwise deal with any credit card issuer. The reader must obtain independent and appropriate financial, legal and other advice before dealing with any credit card issuer. This article does not constitute financial, legal or other advice. The views expressed are the writer's own, and do not reflect or incorporate the views of any entity within the Ascension Lab or Saving Experts Sdn. Bhd entities. Nothing in this article binds or incorporates the views of any Entity, or creates legal relationships between the reader and any Entity.

Magazine December 2015