By Agensi Kaunseling dan Pengurusan Kredit Malaysia
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Additional resources for Money Sense- Getting Smart with Your Money
My for more information. Banks differ in the terms and conditions relating to their products and services. Make sure you know what these are. Always compare amongst the various banks to get the best deal for yourself. 43 ISLAMIC BANKING Islamic banking is a banking system that follows Shariah (Islamic law) principles. Guided by Islamic economics, it prohibits riba (collection and payment of interest), usury, trading in financial risk and haram (unlawful) business ventures. In Malaysia, we have the opportunity to choose between the conventional banking system and Islamic banking system.
It ultimately depends on you to be strong-willed to resist all these forms of temptation. You can do so by understanding what influences your spending and what your needs and wants are. What is a ‘need’? A need is something you must have, that you cannot do without. An example of a need is food. You need to eat to live. Otherwise, you would not survive for long. Now what is a ‘want’? A want is something you would like to have, which is not absolutely necessary. Jewelry is a want because you do not really have to wear it for survival.
Give an instruction to your bank to transfer at least 10% of your monthly salary from your current account to your savings account every month. Have the transfer done as soon as your salary is credited into your current account. What you do not see or have, you would not miss. In the meantime, the amount of money in your savings account will just grow and grow, bringing you closer to your financial goals. As and when you can afford it, such as after you have received a raise or promotion, instruct your bank to increase the amount to be transferred to your savings account.