SM Magazine June 2015 by komstudio8

JUNE 2015

magazine

JUNE 2015

19 1

JUNE 2015

magazine

ey SaveMon ition Family Ed

June 2015

JUNE 2015

SaveMoney Family Edition

JUNE 2015

SaveMoney Family Edition

Birthday Year

Birth Stone

January

Garnet

February

Amethyst

March

Aquamarine

April

Diamond

May

Emerald

June

Pearl

July

Ruby

August

Peridot

September

Sapphire

October

Opal

November

Topaz

December

Turquoise

JUNE 2015

SaveMoney Family Edition

JUNE 2015

SaveMoney Family Edition

JUNE 2015

SaveMoney Family Edition

JUNE 2015

SaveMoney Family Edition

JUNE 2015

SaveMoney Family Edition

JUNE 2015

SaveMoney Family Edition

Bank

Product Name

Min. Income

Little Bean- Infant CarrierÂ Gr.0+

Car safety seat and carrier able

RM211.90

Halford- Babio Baby Carrier

Car safety seat, carrier and rocker able

RM321.40

Halford- Cosmo DX Stroller Travel System

Car safety seat, carrier and stroller able

RM838.70

JUNE 2015

SaveMoney Family Edition Bank

Bank

Product Name

Min. Income

Little Bean- Infant CarrierÂ Gr.0+

Car safety seat and carrier able

RM211.90

Halford- Babio Baby Carrier

Car safety seat, carrier and rocker able

RM321.40

Halford- Cosmo DX Stroller Travel System

Car safety seat, carrier and stroller able

RM838.70

Product Name

Min. Income

Halford- Booster Car Seat

Wide padded seats

RM134.84

Ferrari- Furia Dream Backless Booster

Extra wide padded seats and European ECE R44/04 standards compliant

RM167.92

JUNE 2015

SaveMoney Family Edition

JUNE 2015

SaveMoney Family Edition

JUNE 2015

SaveMoney Family Edition

HOW TO TAKE THE BEST

CARE OF YOUR PET For many Malaysians, their pets are no doubt part of the family. This means taking good care of all the little critter’s needs. But with so many things to think about – just how is a pet owner to remember it all? We made a quick and easy graphic to detail some of the most important things you will face in your journey as a pet owner!

A Healthy Pet is a Happy Pet! Keeping your pet healthy is paramount. Vet visits and vaccinations once a year, vitamins and good food will go a long way in keeping your little guy fighting fit.

Keeping it Clean! Pets being pets; all kinds of hijinks may be ongoing and getting dirty is an almost way of life. Regular baths and grooming is super important but be sure not to overdo it. Pets don’t need daily baths!

A Place to Call Home. Although, bringing a pet home to your home is a huge gift to the critter; some pets need habitats and little homes of their own. Fishes need aquariums; hamsters and guinea pigs need cages and even cats need litter boxes.

Saying Goodbye Although, it may seem morbid and too soon to think about the day your pet passes on; many pet owners find themselves in a bind when their pet has passed away and they have no clue what to do! Familiarise yourself with the pet services in the area – including funeral and bereavement service providers for pets.

Be a Part of Pet World 2015! If you truly want the best for your furry friend – the best thing you can do is attend Pet World 2015 and get to know a host of like-minded pet lovers who can clue you in on what is what in pet care. Check out new brands, pet innovations, products and even get inspired to train your pet for shows. It’s the event for pet lovers – you never know just what you’ll discover.

JUNE 2015

SaveMoney Family Edition

JUNE 2015

Nifty Tricks to Avoid Overspending Every month, you diligently draw up a budget to keep track of your spending. You may be aware of what goes in and what goes out but that doesn't stop you from finding yourself emptying your bank account before your next pay. Maybe your budget isn't the best or maybe, you're simply overspending. Hotel Booking Sites Sort by

The truth is, having a budget alone doesn't always stop you from a a a a a

Star ratings Price AsiaRoom’s recommendations Guest rating Distance

Limit the Cash in Your Wallet

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Highlights When you know few ringgit sitting in your wallet, it« « you Youhave can aset a hundred price range to narrow makes it so much easiersearch to spend without thinking. We're a generally« down lazy lot and « trekking tokey the features ATM to withdraw States on your makes everyone think twice about wanting to buy an item. In fact, the trip to the bank may selected hotel « even give you time to talk yourself out of an impulsive purchase. « States if special rates are available « « Ratings Reviews So the next time you headand down to the mall, make it inconvenient for

Star Ratings a Star Ratings wasting money. But there are other ways to deal with the addiction to Price Pricebroke once again. spend. Here are 5 tricks you can try to avoida being Hotel Names a Agoda’s recommendation Most Popular a Hotel Names Guest Rating a Review Scores Hotel Class Best Deals

Don't Succumb to Sales Persuasion

The helpful friendly sales great; she advises you about Highlights if hotel has freeand cancellation feeassistant is « States if there’s free wi-fi works for you of eachwhat product. In fact, like on the States if there’swhat limited rooms leftand fortells you the benefits « Shows customers her down. the best price she's so helpful and likeable; you feel bad turning selected hotelBut here's when your emotions will end up costing you more than you bargained. Special daily deals « Snippets of reviews on the list of hotels States how many havewith bought rooms « States key features on your selected hotel Be firm the 'no' if you encounter a salesperson. They can usually from the hotelsmell in the past 48so hours hesitation you need to be calm and tellingspecific them you're notratings «sure, Facility guest yourself to shop. By having less money in your wallet, you'd be able to« Has full detailsinterested. on hotel amenities limit your spending and eventually learn to optimise what you have in

great to be so sensitive to help every Price and Payment Only any states the price of the hotel per night if the2 Only states theIt's price of the hotel per nightthat you want 2 Only states thestruggling price of the hotel per night hand. Before2 making purchase, you'd be forced to consider retailer make a sale but not when it costs you 50% of your pay for items walk to the ATM is worth and if it isn't worth the effort to2 Hotel tax and service 2 Hotel tax the andeffort; service charge is only charge is only 2 Hotel tax and service charge is only you have no real need nor use. withdraw the money - it certainly worth the money spent! included duringisn't payment included during payment included during payment

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Bring an ATM Card From a Bank with Limited ATMs

It's convenient to have an ATM card to easily make cash withdrawals especially at places where they only take cash payment. If you have a few bank cards available, try bringing the one from the bank with the fewest ATMs in town and keep the rest at home. The purpose of doing this is to stop you from spending. Combined with tip no 1; it will be seriously difficult for you to overspend during shopping trips if you practice this. Having to launch an ATM 'treasure Hotel Booking Sites AsiaRooms price perwant night hunt' will give you more time to consider and when you really an item, you will come back for it the next time you have enough cash. Grand Continental Hotel, Langkawi RM215

Holiday Villa Beach Resort & Spa Cherating, Kuantan

RM265

Don't Hang Out at Malls

Bayview Beach Resort, Pahang

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RM458.78

Has hanging out at the mall become your favorite pastime? If it is, Le Meridien, Kota Kinabalu RM603.20 perhaps it's time to find a new one. There is no harm going to the mall; to enjoy free air-conditioning and get a bite to eat with your mates. The problem is when you can't keep your wallet shut. If resistance is futile, try avoiding the shops altogether. An alcoholic giving up drink will not be sitting at a bar and looking at others chug away so don't torture yourself that way either. There are plenty of fun things you can do with your free time. Why not adopt a healthier past time such as reading a book, jogging at the park or cooking? There are plenty of things you can do; just as long as you are not shopping.

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Beware of Sale Fever

We all can relate to the excitement of seeing the promotion signage on the window display of our favourite stores. Spending during promotional periods is the best time to buy more at lower prices. However, paying a cheap price for an item you didn't need in the first place is not saving money. The sale fever can get to you. What's worse is when all your friends and relatives have succumbed to it too. Break the cycle by opting out. Avoid Expedia price per night per night Hotel own site following them to the mallAgoda and try price your hand at other pastimes. You'll never know what you might find enjoyable that costs a lot less money.

RM185

RM168.43

RM193.50

RM265

We all love to treat ourselves from time to time. However, as much as we understand, the urge to spend can RM436.58 get out of control. But you don't have RM437.25 RM437.26 to rely on willpower alone. The above tricks will help you spend less by RM478.06 RM524.70 leveraging off the things you already know about the modern shopping RM478.06 experience. As much as it's important to not overspend; it's also important to save every month, with the right savings account for your purposes (re: lesser ATMs!). Since no one has the time to go to every bank searching for the best interest rates, fret not we've done the work for you. Head over to our savings account page for more details. Good luck!

Credit Cards + Personal Loans + Home Loans + Car Loans + Insurance + Internet. This was brought to you by Denise Chan 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 Saving Plus 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.

JUNE 2015