{"id":39533,"date":"2019-09-10T10:24:31","date_gmt":"2019-09-10T02:24:31","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=39533"},"modified":"2019-09-30T09:58:10","modified_gmt":"2019-09-30T01:58:10","slug":"try-these-good-money-habits-today","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today","title":{"rendered":"Get Started With These Good Money Habits Today!"},"content":{"rendered":"<p>In partnership with\u00a0<a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/08\/Hong-Leong-Bank-logo.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-39575 alignnone\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/08\/Hong-Leong-Bank-logo.jpg\" alt=\"\" width=\"256\" height=\"49\" srcset=\"\/articles\/wp-content\/uploads\/2019\/08\/Hong-Leong-Bank-logo.jpg 356w, \/articles\/wp-content\/uploads\/2019\/08\/Hong-Leong-Bank-logo-300x57.jpg 300w\" sizes=\"(max-width: 256px) 100vw, 256px\" \/><\/a><\/p>\n<p>Want to get your personal finances in shape, but not really sure how or where to start?<\/p>\n<p>Money management may appear to be a big word and hard concept for many people, but if we start smart and break it down to smaller, simple steps, then achieving better control over how you spend and save is within your reach!<\/p>\n<p>So, let&#8217;s get started with these simple steps that anyone can try.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Begin-with-a-financial-health-check\"><\/span><strong>Begin with\u00a0a\u00a0financial health check<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Before you can take steps to manage your money better, you need to know where you stand financially. The easiest way to find this out is by getting your <a href=\"http:\/\/www.hlb.com.my\/duitsmart\" target=\"_blank\" rel=\"noopener noreferrer\">credit report.<\/a><\/p>\n<p>Banks will want to know what is in your credit report to help decide whether to approve your loan application and the interest rate you will be charged.<\/p>\n<div class=\"block block--info\"><div class=\"block__title\">What will your credit report reveal?<\/div><div>\n<ul>\n<li>The outstanding balance you have in your name from existing credit facilities, including the date you took the loan, your monthly payment amount, and your payment history.<\/li>\n<li>Credit application inquiries for any credit facility in the last 12 months, and if they have been approved or rejected.<\/li>\n<li>Red-flagged credit facilities where the repayment has turned problematic or become non-performing loans.<\/div><\/div><\/li>\n<\/ul>\n<p>Another reason to check your credit report is to be on guard against fraudsters and scammers. Their illegal activity will show up in your credit report, whether it is a credit card you never had or a bank loan you never applied.<\/p>\n<div class=\"block\"><div>Checking your <a href=\"http:\/\/www.hlb.com.my\/duitsmart\" target=\"_blank\" rel=\"noopener noreferrer\">credit report<\/a> is the first step you can take towards managing your money better with these simple money management tips.<\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Keep-an-eye-on-your-money%E2%80%A6with-free-apps\"><\/span>Keep an eye on your money\u2026with free apps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you are reading this, it\u2019s likely you have your smartphone nearby, so managing money better is literally at your fingertips. Many of these apps are free to use, especially if you just want to avoid spending more than you earn.<\/p>\n<div class=\"block block--tips\"><div class=\"block__title\">What can an app help you to do?<\/div><div>\n<ul>\n<li>Find out how much you have left to spend after your monthly commitments.<\/li>\n<li>Keep track of every ringgit that goes in and out of your wallet.<\/li>\n<li>Remind you of your saving goals and inspire you to stay on track.<\/li>\n<li>Monitor your overall progress by week, month and year.<\/div><\/div><\/li>\n<\/ul>\n<p>Among the more popular user-friendly apps are My Tabung (a budgeting app launched by Bank Negara), and Money Lover (which has a wide option of features like setting a budget, factoring in events etc. for those who want to go into greater detail).<\/p>\n<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/08\/pay-your-bills.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-39539\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/08\/pay-your-bills.jpg\" alt=\"Pay your bills on time\" width=\"800\" height=\"400\" srcset=\"\/articles\/wp-content\/uploads\/2019\/08\/pay-your-bills.jpg 800w, \/articles\/wp-content\/uploads\/2019\/08\/pay-your-bills-300x150.jpg 300w, \/articles\/wp-content\/uploads\/2019\/08\/pay-your-bills-768x384.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pay-your-bills-on-time%E2%80%A6automatically\"><\/span>Pay your bills on time&#8230;automatically!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>We all know how easy it is to automate spending. Online shopping retailers are constantly sending out notifications to your phone about offers and with just one click, your purchase is done and the item on the way to you. Imagine if you can flip this around to automate your bill payments instead.<\/p>\n<div class=\"block block--info\"><div class=\"block__title\">Here\u2019s how to get started:<\/div><div>\n<ul>\n<li>Use automated payment services like a standing instruction for your credit cards payments.<\/li>\n<li>Your bank account has payment features where you can also set up standing instructions to streamline your utility bills and autopay them.<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\"><strong><em>For example, <a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/hong-leong-connect\/web.html\" target=\"_blank\" rel=\"noopener noreferrer\">Hong Leong Connect Online Banking<\/a> allows you to manage your everyday banking anytime and from anywhere.<\/em><\/strong><\/p>\n<ul>\n<li>Make sure your big -ticket debt repayments like car loan, house mortgage or even student or personal loan instalments are put on standing instructions to avoid late payment penalties.<\/div><\/div><\/li>\n<\/ul>\n<p>Auto-paying what you owe each month might seem daunting at first but once you set it up, you\u2019ll also free up your own time to pursue longer-term financial goals.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dont-overpay-for-insurance\"><\/span>Don\u2019t overpay for insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A simple guide to see if you have enough life insurance coverage is to have at least 10 times of your annual income to cover the family expenses for the next 10 years.<\/p>\n<p>However, this is just a general guideline. The Life Insurance Association of Malaysia (LIAM) advocates the Needs Analysis Method.<\/p>\n<div class=\"block block--tips\"><div class=\"block__title\">Here is how it works:<\/div><div>\n<ol>\n<li>Find out the cash and income needs of the dependents if the person dies. This includes funeral expenses, loan repayments, the family&#8217;s daily income needs and education costs for the kids.<\/li>\n<li>Know how much your assets are worth upon death and the liabilities payable. Bank deposits, shares, properties and EPF balances are common types of assets while liabilities include housing loans, hire purchases and credit card balances.<\/li>\n<li>Calculate the difference between the available sources of funds and the outstanding needs. The gap is the amount that require insurance.<\/div><\/div><\/li>\n<\/ol>\n<h2><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/08\/responsible-borrowing.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-39540\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/08\/responsible-borrowing.jpg\" alt=\"borrow what you can repay\" width=\"800\" height=\"400\" srcset=\"\/articles\/wp-content\/uploads\/2019\/08\/responsible-borrowing.jpg 800w, \/articles\/wp-content\/uploads\/2019\/08\/responsible-borrowing-300x150.jpg 300w, \/articles\/wp-content\/uploads\/2019\/08\/responsible-borrowing-768x384.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Only-borrow-what-you-can-afford-to-repay\"><\/span>Only borrow what you can afford to repay<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>According to Bank Negara\u2019s Financial Stability and Payments Report for 2018, Malaysian household debt-to-gross domestic product (GDP) ratio is at 83% last year. While this is an improvement compared to 84.3% in 2017, the percentage is still higher than our Southeast Asian neighbours.<\/p>\n<div class=\"block block--info\"><div class=\"block__title\">We can all do more to reduce our own household debt by following these steps:<\/div><div>\n<ul>\n<li>Borrow what you can afford to repay with your current income. Never borrow money based on what you expect to earn in future.<\/li>\n<li>Choose interest-free, easy payment schemes if you take on debt when making big household purchases that you can lock in and automate for 6 or 12 months while making it a priority to pay off your entire credit card balance at the end of each month to avoid interest charges.<\/li>\n<li>Find ways to reduce your monthly credit card fees, whether it is to avoid interest payment altogether by paying off the entire credit card balance or channelling any extra funds to pay it off faster.<\/div><\/div><\/li>\n<\/ul>\n<p>Another way is to use a personal loan to consolidate your debt commitments and enjoy savings too.<\/p>\n<div class=\"block block--success\"><div>Here\u2019s how much you will pay in total interest charges before and after consolidating your debts with a Hong Leong Personal Loan or Hong Leong Personal Loan\/Financing-i at 6% p.a. <em>*promotional rate valid until 31 October 2019<\/em><\/div><\/div>\n<p>Before consolidating debts:<br \/>\n\n<table id=\"tablepress-1250\" class=\"tablepress tablepress-id-1250 table-subhead-side\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Debts\/Loans<\/th><th class=\"column-2\">Interest rate<\/th><th class=\"column-3\">Repayment<\/th><th class=\"column-4\">Duration<\/th><th class=\"column-5\">Total interest<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Credit Card A - RM10,000<\/td><td class=\"column-2\">15% p.a.<\/td><td class=\"column-3\">RM500<\/td><td class=\"column-4\">2 years<\/td><td class=\"column-5\">RM1,579<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Credit Card B - RM5,000<\/td><td class=\"column-2\">15% p.a.<\/td><td class=\"column-3\">RM250<\/td><td class=\"column-4\">1 year 11 months<\/td><td class=\"column-5\">RM790<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Personal Loan - RM50,000<\/td><td class=\"column-2\">13.09% p.a.<\/td><td class=\"column-3\">RM1,140<\/td><td class=\"column-4\">7 years<\/td><td class=\"column-5\">RM45,760<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><strong>Total<\/strong><\/td><td class=\"column-2\"><\/td><td class=\"column-3\">RM1,890<\/td><td class=\"column-4\"><\/td><td class=\"column-5\">RM48,129<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1250 from cache --><br \/>\nAfter consolidating debts with a personal loan:<br \/>\n\n<table id=\"tablepress-1251\" class=\"tablepress tablepress-id-1251\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Total debt<\/th><th class=\"column-2\">Interest rate<\/th><th class=\"column-3\">Repayment<\/th><th class=\"column-4\">Duration<\/th><th class=\"column-5\">Total interest<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">RM65,000<\/td><td class=\"column-2\">*6% p.a.<\/td><td class=\"column-3\">RM1,257<\/td><td class=\"column-4\">5 years<\/td><td class=\"column-5\">RM10,398<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1251 from cache --><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Save-up-to-20-cash-value-of-your-dream-home\"><\/span>Save up to 20% cash value of your dream home<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Becoming a homeowner is what many Malaysians aspire to be, but it is also a huge financial undertaking. Besides knowing where you want to live, to truly afford a house, you need to have enough money for more than just the down payment.<\/p>\n<p>While the downpayment is usually 10% if it\u2019s your first home, setting a margin of 20% of the average price of a home in your dream neighbourhood gives you a ballpark figure to cover all the major upfront costs beyond the downpayment.<\/p>\n<p>Let&#8217;s break down the real costs you will have to pay.<br \/>\n\n<table id=\"tablepress-1252\" class=\"tablepress tablepress-id-1252\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Purchase price<\/th><th class=\"column-2\">Down payment (10%)<\/th><th class=\"column-3\">SPA legal fees<\/th><th class=\"column-4\">Stamp duty on MOT<\/th><th class=\"column-5\">Loan agreement legal fees<\/th><th class=\"column-6\">Stamp duty for loan agreement<\/th><th class=\"column-7\">Total<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">RM500k<\/td><td class=\"column-2\">RM50,000<\/td><td class=\"column-3\">RM5,000<\/td><td class=\"column-4\">RM9,000<\/td><td class=\"column-5\">RM4,500<\/td><td class=\"column-6\">RM2,250<\/td><td class=\"column-7\">RM70,750<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1252 from cache --><br \/>\nWhile the downpayment of a RM500K property might amount to RM50,000, the figure jumps another RM20,000 once you total up all the upfront costs. So, if you had set your target savings at only 10% of the property price, you will find yourself short of your goal.<\/p>\n<p>You can get a headstart on saving your 20% goal with a <a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/deposits\/current-account\/pay-and-save-account.html\" target=\"_blank\" rel=\"noopener noreferrer\">Hong Leong Pay&amp;Save<\/a> account that earns you interest on your savings, debit card\u2019s spending and bill payment.<\/p>\n<div class=\"block\"><div><em>For more ways to DuitSmart and get in better financial shape, go to <a href=\"http:\/\/www.hlb.com.my\/duitsmart\" target=\"_blank\" rel=\"noopener noreferrer\">www.hlb.com.my\/duitsmart<\/a><\/em><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>We have a super simple starter kit to help you manage your money better.<\/p>\n","protected":false},"author":1,"featured_media":39535,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[218,236],"tags":[341,208],"class_list":["post-39533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management","category-sponsored","tag-credit-score","tag-featured"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Beginner\u2019s Guide To Managing Money Better<\/title>\n<meta name=\"description\" content=\"Make it a habit to track how much you spend and other tips to help you manage money more effectively\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Get Started With These Good Money Habits Today!\" \/>\n<meta property=\"og:description\" content=\"Try this super simple starter kit to help you manage money better.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-10T02:24:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-09-30T01:58:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/08\/good-money-management_FB.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"792\" \/>\n\t<meta property=\"og:image:height\" content=\"392\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today\",\"url\":\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today\",\"name\":\"Beginner\u2019s Guide To Managing Money Better\",\"isPartOf\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#primaryimage\"},\"thumbnailUrl\":\"\/articles\/wp-content\/uploads\/2019\/08\/Take-the-challenge.jpg\",\"datePublished\":\"2019-09-10T02:24:31+00:00\",\"dateModified\":\"2019-09-30T01:58:10+00:00\",\"author\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Make it a habit to track how much you spend and other tips to help you manage money more effectively\",\"breadcrumb\":{\"@id\":\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#primaryimage\",\"url\":\"\/articles\/wp-content\/uploads\/2019\/08\/Take-the-challenge.jpg\",\"contentUrl\":\"\/articles\/wp-content\/uploads\/2019\/08\/Take-the-challenge.jpg\",\"width\":800,\"height\":400,\"caption\":\"Good money management\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.imoney.my\/articles\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Money Management\",\"item\":\"https:\/\/www.imoney.my\/articles\/category\/money-management\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Get Started With These Good Money Habits Today!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#website\",\"url\":\"https:\/\/www.imoney.my\/articles\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.imoney.my\/articles\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\/\/www.imoney.my\"],\"url\":\"https:\/\/www.imoney.my\/articles\/author\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Beginner\u2019s Guide To Managing Money Better","description":"Make it a habit to track how much you spend and other tips to help you manage money more effectively","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today","og_locale":"en_US","og_type":"article","og_title":"Get Started With These Good Money Habits Today!","og_description":"Try this super simple starter kit to help you manage money better.","og_url":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today","og_site_name":"iMoney Malaysia","article_published_time":"2019-09-10T02:24:31+00:00","article_modified_time":"2019-09-30T01:58:10+00:00","og_image":[{"width":792,"height":392,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2019\/08\/good-money-management_FB.jpg","type":"image\/jpeg"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today","url":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today","name":"Beginner\u2019s Guide To Managing Money Better","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#primaryimage"},"thumbnailUrl":"\/articles\/wp-content\/uploads\/2019\/08\/Take-the-challenge.jpg","datePublished":"2019-09-10T02:24:31+00:00","dateModified":"2019-09-30T01:58:10+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Make it a habit to track how much you spend and other tips to help you manage money more effectively","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#primaryimage","url":"\/articles\/wp-content\/uploads\/2019\/08\/Take-the-challenge.jpg","contentUrl":"\/articles\/wp-content\/uploads\/2019\/08\/Take-the-challenge.jpg","width":800,"height":400,"caption":"Good money management"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/try-these-good-money-habits-today#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Money Management","item":"https:\/\/www.imoney.my\/articles\/category\/money-management"},{"@type":"ListItem","position":3,"name":"Get Started With These Good Money Habits Today!"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4268d61be86ba47b656e314b503a5c2f?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/39533"}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=39533"}],"version-history":[{"count":23,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/39533\/revisions"}],"predecessor-version":[{"id":40365,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/39533\/revisions\/40365"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/39535"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=39533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=39533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=39533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}