Effective Banking Tips
Only read this if you have a problem in controlling your expenditure, your flow of money / cash out of your pocket / bank...
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I can't help you not to spend too much, purchasing stuffs that you don't need...
Ever heard of "Its easy to do all the bad things and harder to do all the good things"
Let's translate that into FOOD LANGUAGE... which is "It's easier to eat all the junk (bad) food, and it's harder to eat all the good (healthy) food".
Well, no one can help you with your expenditure, its yourself. You buy what you want, sometimes you buy things that u don't really need.
Few weeks ago, i was bidding on this item which is a Walkie Talkie on Lelong.com.my, brand new American brand walkie talkie (professional) up to 11 Miles with Telco Network. It was running for a really cheap price, and i was bidding it like crazy. Then i realised one thing which is "What am i going to do with it once i get the walkie talkie".
The answer is...NOTHING.
I can't use it for myself, can't just talk to myself. I need someone else to talk to. But hey, I already have a hand-phone.
Anyways, I didn't buy it. I was strong enough to control myself.
I just visited my client today at Sony BMG Music @ Great Eastern Mall Ampang. She told me "If you see a lot of girls walking around with Zara branded clothes, you would know why...coz they'r having this BIG sale" So, women - ladies - girls...can you guys control yourself or do you just plunge yourself into the SALE "MODE" and buy all sorts of things and over spend?
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What i'm trying to tell you here is that, if you'r having all these problems and you'r trying your best to save money. Yes, of course the best thing to do is to put the money into your bank account, but hey - you have an ATM card which permits you to take out money from any ATM machines (that could be found almost anywhere).
So, what other choices do you have? Certainly you'd take out your cash when you need them to shop when there's a "SALE", but can you control your expenditure?
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My tip for the day is...
I have several bank accounts, in different banks such as RHB, Maybank, BCB, Hong Leong Bank, and UOB.
If you notice, the only local banks are: RHB, Maybank, BCB and Hong Leong Bank.
Of which these are the banks with ATM machines almost everywhere and are using the "MEPS" system which allows you to withdraw money from different ATM machines.
The point here is, i opened an account at "UNITED OVERSEAS BANK" - UOB Bank. They only have 2 branches here in KL, one at Central Market area and another one at Jln Raja Chulan (KL). Although the bank provide you with the ATM card, they don't accept "MEPS" system as it's an international bank and uses "PLUS" system instead.
The trick behind this is that "PLUS" is an international system where you can withdraw your money from any ATM machines in the world, but there will be a service charge of "RM 10".
Now, ask yourself this question...would you withdraw money and spend another RM10 on top of that for "SERVICE CHARGE".
NO...(for me la).
Therefore, if you see something nice in Zara, MNG, Giordano or any shopping malls and you forgot to take out cash. But the "DESIRE" to buy that shirt / pants is there and you REALLY want to buy it. But hey, you don't have cash with you! And you'd think "OMG, If i were to take out 200 bux from my UOB bank account and there'll be a service charge of RM 10, that's so MUCH".
So, you might end up not buying that shirt / pants and you'd continue going around the mall without purchasing something expensive. Basically you would be living off what you have in your wallet on that day.
Of course, you can withdraw money from your UOB bank account, its just that you won't withdraw as much as your RHB or Maybank.
Basically, what i do is...i use RHB as account for all my expenditures. I also use Maybank and RHB for my online transactions. Hong Leong Bank is purely savings and i dont carry the card arround. And UOB is for emergency cash...
Since i started on this, i have saved up so much money and spent so much lesser.
But i did apply for a Visa card from UOB and woohoo...let the SWIPES begin!
Hahah...no la, i just use it to swipe sometimes if i forgot to take out cash.
I know, it might not work for you girls... with the Visa card, you might just swipe your way to BANKRUPTCY!
Cheers...
PS: Picture above is of a "DRIVE THRU" UOB Bank ATM Machine. Cool huh...
---------------------------------------
I can't help you not to spend too much, purchasing stuffs that you don't need...
Ever heard of "Its easy to do all the bad things and harder to do all the good things"
Let's translate that into FOOD LANGUAGE... which is "It's easier to eat all the junk (bad) food, and it's harder to eat all the good (healthy) food".
Well, no one can help you with your expenditure, its yourself. You buy what you want, sometimes you buy things that u don't really need.
Few weeks ago, i was bidding on this item which is a Walkie Talkie on Lelong.com.my, brand new American brand walkie talkie (professional) up to 11 Miles with Telco Network. It was running for a really cheap price, and i was bidding it like crazy. Then i realised one thing which is "What am i going to do with it once i get the walkie talkie".
The answer is...NOTHING.
I can't use it for myself, can't just talk to myself. I need someone else to talk to. But hey, I already have a hand-phone.
Anyways, I didn't buy it. I was strong enough to control myself.
I just visited my client today at Sony BMG Music @ Great Eastern Mall Ampang. She told me "If you see a lot of girls walking around with Zara branded clothes, you would know why...coz they'r having this BIG sale" So, women - ladies - girls...can you guys control yourself or do you just plunge yourself into the SALE "MODE" and buy all sorts of things and over spend?
---------------------------------------
What i'm trying to tell you here is that, if you'r having all these problems and you'r trying your best to save money. Yes, of course the best thing to do is to put the money into your bank account, but hey - you have an ATM card which permits you to take out money from any ATM machines (that could be found almost anywhere).
So, what other choices do you have? Certainly you'd take out your cash when you need them to shop when there's a "SALE", but can you control your expenditure?
---------------------------------------
My tip for the day is...
I have several bank accounts, in different banks such as RHB, Maybank, BCB, Hong Leong Bank, and UOB.
If you notice, the only local banks are: RHB, Maybank, BCB and Hong Leong Bank.
Of which these are the banks with ATM machines almost everywhere and are using the "MEPS" system which allows you to withdraw money from different ATM machines.
The point here is, i opened an account at "UNITED OVERSEAS BANK" - UOB Bank. They only have 2 branches here in KL, one at Central Market area and another one at Jln Raja Chulan (KL). Although the bank provide you with the ATM card, they don't accept "MEPS" system as it's an international bank and uses "PLUS" system instead.
The trick behind this is that "PLUS" is an international system where you can withdraw your money from any ATM machines in the world, but there will be a service charge of "RM 10".
Now, ask yourself this question...would you withdraw money and spend another RM10 on top of that for "SERVICE CHARGE".
NO...(for me la).
Therefore, if you see something nice in Zara, MNG, Giordano or any shopping malls and you forgot to take out cash. But the "DESIRE" to buy that shirt / pants is there and you REALLY want to buy it. But hey, you don't have cash with you! And you'd think "OMG, If i were to take out 200 bux from my UOB bank account and there'll be a service charge of RM 10, that's so MUCH".
So, you might end up not buying that shirt / pants and you'd continue going around the mall without purchasing something expensive. Basically you would be living off what you have in your wallet on that day.
Of course, you can withdraw money from your UOB bank account, its just that you won't withdraw as much as your RHB or Maybank.
Basically, what i do is...i use RHB as account for all my expenditures. I also use Maybank and RHB for my online transactions. Hong Leong Bank is purely savings and i dont carry the card arround. And UOB is for emergency cash...
Since i started on this, i have saved up so much money and spent so much lesser.
But i did apply for a Visa card from UOB and woohoo...let the SWIPES begin!
Hahah...no la, i just use it to swipe sometimes if i forgot to take out cash.
I know, it might not work for you girls... with the Visa card, you might just swipe your way to BANKRUPTCY!
Cheers...
PS: Picture above is of a "DRIVE THRU" UOB Bank ATM Machine. Cool huh...
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