7/09/2025

ON SUNDAY September 7, 2025 theSunday Special VIII

9 money moves that changed my life

BY DAYANA SOBRI D

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B EING broke is part of my lifestyle. Not “just skip kopi kampung for a week” broke, but “a quarter of my salary goes to SD\LQJ R̆ GHEW DQG , KDYH 50 LQ P\ DFFRXQW E\ WKH WK´ EURNH /LNH PDQ\ \RXQJ 0DOD\VLDQV WU\LQJ WR PDNH VHQVH RI DGXOWKRRG , ZDV FDXJKW EHWZHHQ PXOWLSOH ORDQV LPSXOVLYH VSHQGLQJ KDELWV DQG WKH SUHVVXUH WR ³NHHS XS´ ZLWK RWKHUV RQ VRFLDO PHGLD A FFRUGLQJ WR %DQN 1HJDUD 0DOD\VLD QHDUO\ RI 0DOD\VLDQV DJHG WR KDG KLJK GHEW WR LQFRPH UDWLRV LQ )RU \HDUV , ZDV SDUW RI WKDW VWDWLVWLF , KDG FUHGLW FDUG EDODQFHV WKDW , EDUHO\ SDLG R̆ H[WUHPHO\ KLJK FDU ORDQ UHSD\PHQWV , KDG ERXJKW D FDU IRU P\ GDG DQG D ORQJ DEDQGRQHG $6% DFFRXQW WKDW , KDG forgotten to contribute to. B XW WKLQJV EHJDQ WR VKLIW QRW ZLWK D VXGGHQ LQKHULWDQFH RU D SD\ UDLVH EXW You don’t need to be rich to take control of your ƓPCPEGU

Even small buffers help you stay out of debt.”

Syed Mohd Fauzi