AMERZING: December 2018

Best Tips to Shop on a Budget

Here is another article of mine on THREAD by ZALORA.

Shopping. Everyone loves shopping. Clothes, shoes, jewelry, foods, and entertainment are the common things that people invest for. However, in the midst of the happiness and enjoyment, sometimes the accumulation expenses are way out of our budget. As the consequences, we need to bare the broke season until the next payday.

Good news! You do not have to be worried about the budget anymore because here are some tips that provide you alternative ways to shop on a budget. You just need to make sure that you have all these in your pocket. There is a bonus tip at the very end of this article too.

Plan Your Meals for That Week

A good planning of meals will assist you to provide an efficient shopping list and you will know what exactly you should buy before you go shopping. You plan what you want to eat a few days ahead of time so that you could get the needed ingredients without over splurging.

Read more explanations! Continue your reading on this topic on the official THREAD by ZALORA page.

Don't forget to leave a comment! :)

6Comments

, by Anonymous

In FeaturedPost,

Bantuan Sara Hidup 2019: What You Should Know?

#FeaturedPost

Bantuan Sara Hidup (BSH) 2019 is formerly known as BR1M (1Malaysia People’s Aid). This BSH is to be given to the bottom 40 percent of the households which is seen to be a more specific and systematic mechanism.

For your information, this BSH will be opened for its application starting from this January 2019. The official announcement of the application date will be made by the Ministry of Finance in the near future. The application can be done in two ways, either by online or manually at the LHDN office.

👉 Apply for the Bantuan Sara Hidup 2019 Online [CLICK] 👈

So, what you should know about this BSH?

BSH is divided into 3 major categories which are:

📌 Category 1 - Households with monthly income of RM2,000 and below.

Benefits:

✔️ RM 1000

✔️ Additional RM 120 for every child under 18 years old (limited to 4 children)

📌 Category 2 - Households with monthly income of RM3,000 and below.

Benefits:

✔️ RM 750

📌 Category 3 - Households with monthly income of RM3,001 - RM4,000.

Benefits:

✔️ RM 500

For example, the family with a monthly income of RM 2,000 and below with 3 children under 18 years old will roughly get RM 1,360. In fact, comparably, the amount received based on BSH is higher than BR1M which is only RM 1,200.

Thus, all applicants are required to apply by their respective categories with honesty and to make sure that all the information given are correct. The payment rate will be determined by looking at these categories listed.

Remember! If the applicant is found to be cheating or giving wrong information, the application will be canceled immediately.

However, the money that we received must be spent in a good manner. So here are some of the suggestions that you could use to spend your money wisely.

1. SET IT AS AN EMERGENCY CASH

Besides saving 10% of the monthly salary, you are advised to also set this BSH money as one of the sources for any unforeseen emergency cases that might occur. This is because we do not know when we will be in the emergency situation, where everything might desperately need money to handle it. At least you have some cash in hand, right?

2. INVEST IN THE CHILDREN

As this BSH will be credited at the beginning of every year, it can surely be useful for the kid's preparation in terms of school fees, uniforms, stationery, and equipment. Without us realizing,

by renewing their school equipment, it might be one of the indirect motivation that can burn their spirit to study better.

3. DIFFERENTIATE BETWEEN NEEDS AND WANTS

You may spend on your wants but it is better to put it aside for some other times first. Identify what are the things that you exactly need and list down those items needed before you go shopping to avoid over-expense.

4. CLEAR THE DEBTS

Before you spend the money on anything else, you are highly recommended to clear all the payments or debts that have been your lifetime nightmare. For example, the recurring costs like car rental, car insurance, and credit card renewal fees which we have to pay yearly or monthly. These type of payments should always be on top of your priority.

After all, you really need to have proper financial management which can help to avoid your finances spiraling out of control. It's easy to catch yourself in debt if you are not sure where all your money goes on a monthly basis.

✅ Where can I withdraw/claim my BSH?

No worries, you may claim your BSH at any Bank Simpanan Nasional (BSN) branches in Malaysia.

✅ What are the documents that you should bring for the claiming process?

There are two vital documents that you should bring with you, which are:

1. The approval letter and voucher

2. Original applicant Identification Card (IC)

For more frequently asked questions, you may visit here: 👉 FAQ

I hope this post would help you in any way. If you have any inquiries, please do not hesitate to contact:

☎️ Hotline MOF: 03-8882 4565 / 03-8882 4566

📞 Hotline BSH LHDN: 1-800-88-2716

📠 Fax MOF: 03-8882 3933

Or you can go to the MOF Secretariat office at:

Pejabat Belanjawan Negara

Kementerian Kewangan Malaysia

(MOF), Presint 2, 62592 Putrajaya

4Comments

, by Amer Ridzuan

In Share,

Is Coffee Good for You?

Here is another article of mine on THREAD by ZALORA.

Whether you are someone who likes to go out for a jog wearing your favorite sportswear as you wake up or hitting the nearest café to get a grab to eat before heading to work, no one can deny that a hot cup of coffee would be perfect, especially in the cold morning.

However, nowadays, the effects of coffee in health are quite controversial among society but it depends on who you ask, it is either a super coffee lover or an incredible dodger.

Regardless of what you may have heard, don't just jump to the conclusion. Let's dig in deeper on what you should know about coffee.

Coffee Lower Risk of Depression

Have you encountered depression once? Maybe when your partner left you for absurd reasons, feeling too overwhelmed with things in life or have the nervous jitters before the test. Coffee may be your best accompany.

A test has shown that people who drank the most coffee had a 20% lower risk of becoming depressed.

In fact, it makes sense that coffee could help you live longer too as most of the time coffee drinkers was recorded can lower risk of many common diseases.

Read more explanations! Continue your reading on this topic on the official THREAD by ZALORA page.

Don't forget to leave a comment! :)

5Comments

, by Anonymous

In Share,

Ways to Be Healthy for Free

Here is another article of mine on THREAD by ZALORA.

Nowadays, people are invaded by a typical mindset which to obtain a skinny sharp body shape, one must attend themselves to the gym every weekend and spend more money on supplement food.

But, do you really need to spend all your money for it? Fortunately, you can get healthy for free too. Here are some ways which can help you achieve that ideal figure for free.

1. Do Cleaning and Housekeeping

Feeling tight, stiff and sore is part of working out but at the same time, you shouldn’t really rate how well your training session or program is on how sore you are the next day. Doing light active movements like an easy walk, sweeping the floor or cleaning your home will indirectly help you to feel better. Maybe you will not sweat much and feel any cramp in your muscles but it is an activity that promotes movement. Not only that, the body becomes healthier and you are able to clean up your house as well as sustain a hygiene lifestyle. You are killing two birds with one stone!

Read more ways and explanations! Continue your reading on this topic on the official THREAD by ZALORA page.