{"id":21376,"date":"2023-07-24T09:30:00","date_gmt":"2023-07-24T01:30:00","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=21376"},"modified":"2023-11-10T20:02:26","modified_gmt":"2023-11-10T12:02:26","slug":"6-ways-to-stop-wasting-money-in-2023","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/6-ways-to-stop-wasting-money-in-2023","title":{"rendered":"How To Stop Wasting Money (And Turn Things Around Before The End Of 2023)"},"content":{"rendered":"<p>If you are going insane trying to make ends meet, you are not alone, and it is not surprising. Albert Einstein defined insanity as doing the same thing over and over again and expecting different results.<\/p>\n<p>However, don\u2019t give up just yet. You may have slipped up many times this year, but its not too late to turn things around for 2023. Taking Einstein\u2019s advice into consideration, the key is to do things differently. This includes spend differently or on different things.<\/p>\n<p>Here are 6 ways you can stop wasting money this year:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1-Identify-non-essential-spending\"><\/span><strong>1. Identify non-essential spending<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The point of this exercise is not to stop spending but to <em>control<\/em> unnecessary spending.<\/p>\n<p>Examples of other non-essential expenses that you should (and must) cut from your finances are \u2013 the 16<sup>th<\/sup> pair of shoes just because they are on sale, the latest smartphone just because it is from Apple, or that set of rims for your car just because they would make you look cooler than other cars stuck in the traffic jam.<\/p>\n<p>Every time you are about to spend your money, ask yourself these questions:<\/p>\n<ul>\n<li>Is this absolutely necessary?<\/li>\n<li>What are the benefits of buying it?<\/li>\n<li>Will I be saving money in the long-run?<\/li>\n<\/ul>\n<p>If your answers are negative to the above questions, move along.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2-Stop-paying-interest-whenever-possible\"><\/span><strong>2. Stop paying interest (whenever possible)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Every time you pay minimum payment only for your credit card balance, you are incurring interest charges that can snowball into <a href=\"https:\/\/www.imoney.my\/articles\/top-8-reasons-you-are-in-debt\" target=\"_blank\" rel=\"noopener\">insurmountable debt<\/a> (if it hasn\u2019t already).<\/p>\n<p>For revolving credit like credit card, always try your best to clear your balance as soon as possible because for every month your balance is carried forward, you will be charged interest of at least 15%.<\/p>\n<p>One way of cutting down on exorbitant interest charges is to transfer your debt to a low or <a href=\"https:\/\/www.imoney.my\/credit-card\/balance-transfer\" target=\"_blank\" rel=\"noopener\">0% balance transfer credit card<\/a>. A balance transfer is when you move debt from one credit card with high interest to another one that\u2019s offering a low-interest special for new customers.<\/p>\n<p>Some credit cards offer balance transfer facility of 0% interest for the first 12 months. However, do read the fine prints as some cards come with an upfront fee of about 3%.<\/p>\n\n<table id=\"tablepress-248\" class=\"tablepress tablepress-id-248\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><center>Minimum payment<\/center><\/th><th class=\"column-2\"><center>Fixed payment<\/center><\/th><th class=\"column-3\"><center>Balance transfer<\/center><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Balance: RM5,000<br \/>\nInterest rate: 15% p.a.<br \/>\nMinimum payment: 5% of balance<br \/>\nFirst payment: RM250<br \/>\nTime to pay off using minimum payment: 5 years 5 months<br \/>\n<br \/>\n<b>Total interest paid: RM1,491<\/b><\/td><td class=\"column-2\">Balance: RM5,000<br \/>\nInterest rate: 15% p.a.<br \/>\nMonthly payment: RM400<br \/>\nTime to pay off using fixed payment: 1 year 2 months<br \/>\n<br \/>\n<b>Total interest paid: RM471<\/b><\/td><td class=\"column-3\">Balance: RM5,000<br \/>\nInterest rate: 0% p.a. for 12 months<br \/>\nMonthly payment: RM400<br \/>\nTime to pay off using fixed payment: 1 year<br \/>\n<b>Total interest paid: RM0<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-248 from cache -->\n<p>To make the most of a <a href=\"http:\/\/offers.imoney.my\/campaign\/bt-ss\" target=\"_blank\" rel=\"noopener\">balance transfer<\/a>, make sure you can pay off your entire balance during the intro period before interest kicks in.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3-Set-goals-instead-of-resolutions\"><\/span><strong>3. Set goals instead of resolutions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you are like most people, you would have your list of New Year\u2019s resolutions and are determine to stick to them, but the reality is, these resolutions have become a distant memory by now as you cross the mid-year threshold.<\/p>\n<p>For the second half of this year, why not just skip resolutions and set specific money goals. Unlike resolutions, goals are realistic, measurable and include an action plan that will lead you to success.<\/p>\n<p>Instead of staying fit, change it to \u201closing 5kg by end of the year\u201d and you don\u2019t have to sign up for an expensive gym membership to achieve it. If you have been telling yourself to save to buy a house, change it to \u201csaving 15% of RM500,000.\u201d Instead of saving money, change it to \u201csave 3-month worth of your salary by middle of next year\u201d.<\/p>\n<p>By keeping your goals measurable, you can easily track your progress and make the necessary changes to fast-track it.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4-Review-your-insurance-coverage\"><\/span><strong>4. Review your insurance coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Getting more Malaysians to buy life insurance protection is a remarkable effort. If you already have coverage, it pays to review your coverage periodically. If you are one of those who own a life insurance, a full mortgage life assurance, an investment-linked life plan and also other insurance plans like <a href=\"https:\/\/www.imoney.my\/medical-insurance\" target=\"_blank\" rel=\"noopener\">personal accident and medical<\/a>, it is time to ask yourself \u2013 do you need all of them? Are they the best coverage you need at the moment?<\/p>\n<p>By over-insuring yourself, you are putting your money into protection that you do not need, which could be earning you better returns if invested it elsewhere. If you do not have any dependent, is not the sole breadwinner of the family and have other assets, chances are you need to review your insurance policies to ensure you have the right coverage for your lifestyle and needs.<\/p>\n<p>Optimise your finances by avoiding under or over insurance. Know what\u2019s your required or ideal coverage for each insurance plan, and also if you need the plan in the first place.<\/p>\n<p>Read More: <a href=\"https:\/\/www.imoney.my\/articles\/are-you-over-insured\" target=\"_blank\" rel=\"noopener\">Are You Paying Too Much For Your Insurance?<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"5-Compare-everything\"><\/span><strong>5. Compare everything<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As Malaysian consumers mature, they become more discerning towards what they are buying and the value they get in return. The best way to ensure you get the best value of your money is not merely checking the price but to compare similar products or services before making any financial decision.<\/p>\n<p>We\u2019ve advocated product and services comparison for years, and we even allow our users to compare financial products easily through our various smart searches, from credit card to <a href=\"https:\/\/www.imoney.my\/personal-loan\" target=\"_blank\" rel=\"noopener\">personal loan<\/a>. Only by doing your necessary due diligence will you be able to make smart decisions.<\/p>\n<p>Getting the wrong credit card can hurt your finances, but the right one can easily help you manage your expenses and also save you some money. And this applies for almost everything that you purchase.<\/p>\n<p>Find out which are <a href=\"https:\/\/www.imoney.my\/credit-card\/\" target=\"_blank\" rel=\"noopener\">the best credit cards<\/a> according to your lifestyle and spending pattern.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6-Think-long-term\"><\/span><strong>6. Think long-term<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Being penny-wise, pound-foolish is the greatest downfall of many people. It is a common mistake to make especially when one decides to take control of their finances.<\/p>\n<p>Yes, saving money is a good habit, but not to the point that it will incur more money in the long-run.<\/p>\n<p>Imagine this scenario: You are given the choice to take up a flexi home loan that allows you to save money if you regularly pay more than your monthly repayment, or a conventional home loan that does not come with all the flexibility to save money \u2013 which should you choose?<\/p>\n<p>A flexi home loan is best for those who earn irregular income that can be higher in certain months, and also those who have the discipline to sock away any additional money they have in their home loan. If your answer is no to the above two criteria, go for the conventional loan as you will be saving more without paying for the flexi facilities, such as the additional fees to maintain the current account that is linked to your flexi home loan.<\/p>\n<p>By keeping in mind your financial objectives and goals, you will be better equipped to make long-term financial decisions.<\/p>\n<p>If the first half of 2023 has not been kind to your wallet, make these 6 changes in your finances to ensure a better financial year ahead for yourself.<\/p>\n<h6><em>This article was first published in January 2016 and has been updated for freshness, accuracy and comprehensiveness.<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>If the first half of 2023 has been a year littered with spending mistakes for you, here are 6 no-brainer ways you can still stop wasting your money this year.<\/p>\n","protected":false},"author":1,"featured_media":21381,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[257,256,218],"tags":[363,660,767,766,299],"class_list":["post-21376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","category-lifestyle","category-money-management","tag-insurance","tag-investment","tag-lifestyle","tag-money-management","tag-savings"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Stop Wasting Money In 2023<\/title>\n<meta name=\"description\" content=\"If 2023 has been a year littered with spending mistakes for you, here are 6 no-brainer ways you can still stop wasting money this year.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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