{"id":47124,"date":"2021-03-10T15:24:04","date_gmt":"2021-03-10T07:24:04","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=47124"},"modified":"2024-02-02T15:59:34","modified_gmt":"2024-02-02T07:59:34","slug":"women-financial-empowerment","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/women-financial-empowerment","title":{"rendered":"5 Money Moves To Be Financially Empowered In Celebration Of International Women\u2019s Day"},"content":{"rendered":"<p><strong>In partnership with\u00a0<\/strong> <img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-47127 alignnone\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/03\/10141435\/alliance-logo.png\" alt=\"\" width=\"220\" height=\"55\" \/><\/p>\n<p>This season, we celebrate women&#8217;s achievements and empowerment around the world in conjunction with International Women&#8217;s Day. What better way to forge the path to empowerment than by taking control of your finances? After all, making better financial decisions can help you reach your goals, improve your well-being and help you take charge of your life.<\/p>\n<p>Here are five money moves you can make to be financially empowered.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1-Manage-your-money\"><\/span>1. Manage your money<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The first step to financial empowerment is to manage your finances. This means having enough for emergencies, spending less than you earn and managing your debt wisely. Here\u2019s how to start:<\/p>\n<ul>\n<li><strong>Keep an emergency fund. <\/strong>Unexpected events, such as sudden job loss, can be expensive. Having an emergency fund can help you cover these costs until you get back on your feet again. Generally, <a href=\"https:\/\/www.daveramsey.com\/blog\/quick-guide-to-your-emergency-fund\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">experts suggest<\/a> keeping aside an emergency fund that covers three to six months of living expenses. You\u2019ll want to keep these savings somewhere where you can access them quickly, such as in a savings account that gives you interest.<\/li>\n<li><strong>Have a budget. <\/strong>Having a budget and sticking to it helps you avoid overspending and keeps you on track to hitting your savings goals. A popular budgeting method is the <a href=\"https:\/\/www.imoney.my\/articles\/budget-50-30-20\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">50\/30\/20 budget<\/a>, in which you spend 50% of your income on needs (such as rent), 30% on wants (such as eating out) and save the remaining 20%. If you\u2019re having trouble keeping to your budget, try setting up automatic bank transfers that transfer a portion of your income into a separate savings account every month.<\/li>\n<li><strong>Pay off your debt. <\/strong>If you have high-interest debts, you\u2019ll need a plan to pay them off. Decide how much you can afford to put aside every month to pay off your debts, and consider if you need to consolidate them under a personal loan to save on interest.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2-Invest-for-the-future\"><\/span>2. Invest for the future<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Want to reach big financial goals such as early retirement or an overseas education for your child? Investing can help you achieve these goals. When you invest money in assets that generate income, your money grows faster For example, here\u2019s how investing can help you grow your money:<\/p>\n<p><strong>Investing RM500 a month for 6% annual return<\/strong><br \/>\n\n<table id=\"tablepress-1566\" class=\"tablepress tablepress-id-1566\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">After<\/th><th class=\"column-2\">Portfolio size<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">1 year<\/td><td class=\"column-2\">RM6,193<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">5 years<\/td><td class=\"column-2\">RM34,912<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">10 years<\/td><td class=\"column-2\">RM81,632<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">15 years<\/td><td class=\"column-2\">RM144,154<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">20 years<\/td><td class=\"column-2\">RM227,823<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">30 years<\/td><td class=\"column-2\">RM489,628<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1566 from cache --><em>Note: This is an illustration of a calculation based on a 6% annual return. Your actual investment performance will vary depending on your portfolio.<\/em><\/p>\n<p>In the example above, if you invest RM500 a month and receive a 6% return every year, you could potentially grow your portfolio to almost half a million ringgit after 30 years. On the other hand, if you did not invest at all, saving RM500 a month in the same period would only amount to RM180,000.<\/p>\n<p>Investing for the future, especially as a woman, is crucial. On average, Malaysian women <a href=\"https:\/\/www.dosm.gov.my\/v1\/index.php?r=column\/cthemeByCat&amp;cat=116&amp;bul_id=R0VPdE1mNEdRQms2S0M4M1ZsSlVEdz09&amp;menu_id=L0pheU43NWJwRWVSZklWdzQ4TlhUUT09#:~:text=Life%20Expectancy%20at%20Birth%20Increased%20by%200.4%20Years&amp;text=0.2%20years%2C%20from%2072.4%20years,old%20for%20the%20same%20period.\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">live longer<\/a> than men &#8211; this means that you\u2019ll need to have more saved up for retirement.<\/p>\n<p>If you are new to investing, consider investments like unit trust funds and exchange-traded funds (ETFs). These investments pool money from many people to invest in a group of assets like stocks, bonds or commodities. These are considered more beginner-friendly than investing directly in the stock market as they allow you to invest in many assets at once. This reduces the risk of large losses if one of the assets underperforms.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3-Increase-your-income\"><\/span>3. Increase your income<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Having more income &#8211; or multiple sources of income &#8211; can help you pay down debt, manage everyday living costs and reach your financial goals faster. Here are a few ways you can bring in more money:<\/p>\n<ul>\n<li><strong>Earn a raise at work. <\/strong>If you are a full-time employee, the most straightforward way to earn a higher income is probably to get a raise. This could mean picking up new skills or being more proactive at work to demonstrate your value to your employer. Use sites like Glassdoor or JobStreet to find out what other people in your role are earning \u2013 this helps you negotiate a fair salary.<\/li>\n<li><strong>Look for a higher-paying job. <\/strong>If earning a raise at your current company doesn\u2019t work, it could pay to look out for a new role elsewhere. Employees who switch jobs are <a href=\"https:\/\/www.forbes.com\/sites\/jackkelly\/2019\/07\/26\/a-new-study-concludes-that-it-literally-pays-to-switch-jobs-right-now\/?sh=53b706e05959\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">more likely<\/a> to be able to negotiate bigger pay raises.<\/li>\n<li><strong>Start a business. <\/strong>Starting your own business (even if it\u2019s just something on the side) can be a good learning experience, as well as a potential source of income. Businesses don\u2019t always have to be huge, investor-funded projects either. You could start a small home-operated business (such as a web development company or one that sells home-baked goods) and grow from there.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"4-Take-an-active-role-in-your-familys-finances\"><\/span>4. Take an active role in your family\u2019s finances<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019ve been leaving your household financial planning entirely to your spouse, consider taking on a more significant role. Being aware of where your household stands financially can help you and your partner work together to reach your family\u2019s financial goals. Here are a few things you can do:<\/p>\n<ul>\n<li><strong>Be open with your partner.<\/strong> Sharing details about your savings, debts and spending patterns helps you both plan your household finances effectively.<\/li>\n<li><strong>Set up a household budget. <\/strong>Just like a personal budget, allocating your household income helps your family avoid overspending.<\/li>\n<li><strong>Decide how to share household expenses. <\/strong>If both you and your spouse earn an income, decide how each of you contribute to household expenses.<\/li>\n<li><strong>Share financial goals. <\/strong>Year-end vacations, child education or a new property purchase \u2013 being aligned with your spouse about your family\u2019s financial goals means being able to prepare for these goals together.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"5-Take-advantage-of-great-deals\"><\/span>5. Take advantage of great deals<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Part of making better financial decisions is about taking advantage of great deals and financial products. In celebration of International Women\u2019s Day, Alliance Bank offers ladies more opportunities to spend and save wisely.<\/p>\n<p><strong>Get cashback rewards of up to RM338 when you sign up for these products:<\/strong><br \/>\n\n<table id=\"tablepress-1565\" class=\"tablepress tablepress-id-1565\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">How to be eligible<\/th><th class=\"column-3\">Cashback reward<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.alliancebank.com.my\/promotions\/banking\/International-women-day-campaign-2021.aspx?utm_source=homepage&amp;utm_medium=direct&amp;utm_campaign=International-women-day-campaign-2021&amp;utm_content=main-banner\" target=\"_blank\" rel=\"nofollow noopener\">Alliance SavePlus Account<\/a><\/td><td class=\"column-2\">Open an account with the allianceonline app and maintain a minimum of RM250 until the end of the account opening month.<\/td><td class=\"column-3\">RM138<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.alliancebank.com.my\/promotions\/banking\/International-women-day-campaign-2021.aspx?utm_source=homepage&amp;utm_medium=direct&amp;utm_campaign=International-women-day-campaign-2021&amp;utm_content=main-banner\" target=\"_blank\" rel=\"nofollow noopener\">Alliance Bank Credit Cards<\/a><\/td><td class=\"column-2\">Apply for a credit card through the allianceonline app and get approved on or before 15 April 2021.<\/td><td class=\"column-3\">RM238<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/www.alliancebank.com.my\/promotions\/banking\/International-women-day-campaign-2021.aspx?utm_source=homepage&amp;utm_medium=direct&amp;utm_campaign=International-women-day-campaign-2021&amp;utm_content=main-banner\" target=\"_blank\" rel=\"nofollow noopener\">Alliance Personal Loan\/Financing<\/a><\/td><td class=\"column-2\">Apply for a personal loan\/financing through the allianceonline app and get approved on or before 15 April 2021.<\/td><td class=\"column-3\">RM338<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1565 from cache --><em>Note: Only new-to-bank female customers are eligible for the cashback.<\/em><\/p>\n<p>With Alliance Bank, it\u2019s never been a better time to boost your savings, find the right credit cards for smarter spending, or get financing to kickstart your plans.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Financial-empowerment-is-in-your-hands\"><\/span>Financial empowerment is in your hands<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019ve already taken these steps to improve your finances, that\u2019s great! But if you haven\u2019t, that\u2019s okay &#8211; now\u2019s the time to start. Being financially empowered can be rewarding and should be part of every woman\u2019s journey. Happy International Women\u2019s Day!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Be in charge of your finances. <\/p>\n","protected":false},"author":1,"featured_media":47136,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[509,218,236],"tags":[396,689,208,688,690],"class_list":["post-47124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-international-womens-day","category-money-management","category-sponsored","tag-alliance","tag-alliance-bank","tag-featured","tag-international-womens-day","tag-women"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Money Moves To Take Control Of Your Finances<\/title>\n<meta name=\"description\" content=\"Being on top of your finances can sound intimidating but it doesn\u2019t have to be! 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