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06.09.2010 | 錢銀的事

所謂錢財不可露眼, 通常我都唔會帶好多現金喺身, 身上越多錢就越容易惹賊上身..我銀包最多都係二百五蚊左右, 夠洗夠用就好啦.. 如果需要繳付大數目, 就用信用卡囉, 而家信用卡咁普遍, 碌多啲賺積分都好吖嘛..

the chinese says "don't show-off your wealth to others", i normally don't carry a lot of cash with me because the more cash you have the easier you attract snatchers.. i normally have around RM250 in my wallet, just enough and not too much.. if i need to pay off larger amounts, i'll just use credit card since it's so common nowadays, in addition no harm to swipe and earn more points right??
我每次去提款機㩒錢, 都係一次過㩒一筆指定數目(足夠我用至少半個月)嘅錢.. 因為銀行規定每個月用提款機超過四次, 之後每次都收取服務費.. 係小數目, 但係我就偏唔畀佢哋白賺!! 所以寧願每次㩒多啲放屋企慢慢搣..

each time i withdraw money from ATM, i will make sure i withdraw a specific amount of money (at least enough for half a month).. this is because the bank will charge a fee for each withdrawal after the 4th time in each month.. it's a small fee, but still i don't like them earning my money so forcefully!! hence, i rather withdraw more at a time, keep them at home and be my own cash dispenser..
最近經常有銀行打電話問我要唔要"信用卡餘額轉帳服務", 我每次都一口拒絕.. 個人認為信用卡係一種方便而唔係財產, 我始終唔贊成大洗大用到冇能力找咭數嘅程度.. 我會制止自己而且會準時還全數, 所以對於銀行嚟講, 我一定唔會係個"好顧客", 哈哈~~

recently a lot of banks call me up to offer "credit card balance transfer facility", but i will always politely decline.. i don't like to overspend my credit and i always make full payment on time.. to me, credit card is just a convenience but not a financial aid, i don't agree spending and owing the bank to a stage that one cannot repay.. so to the Banks, i am actually not a "good customer", haha~~
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95 comments:

  1. 我銀包裏面永遠都唔會多過一百,因爲一有錢喺身,就會身癢。至於去提款機按錢數目都唔會多過五十,原因都喺一樣。所以我可以稱得上名副其實嘅周身冇蚊一族!

    餘額轉帳好耐以前有試過,息率比信用卡低好多。因乜事咁做就忘記咗啦,應該喺嗰時谷緊水啩!

    ReplyDelete
  2. 我銀包少過一百, 就不會亂買東西。
    餘額轉賬就沒試過, 每都還清。

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  3. I agree with you... don't like to overspend, that's why I only have one credit card! And that's only because I use it to pump petrol, more convenient and safer. :)

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  4. 哦,言下之意,你有好多私己钱咯!
    哈哈......

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  5. Bank are desperate nowadays. Especially after the implementation of the rm50 service tax. Even the backroom staffs are given qouta to push credit cards sales

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  6. 说到这个嘛……
    又是好笑的,朋友都会笑我的,
    我从来都不申请 credit card,
    以免 control不到自己而成为卡奴。
    都是用现金交易,可是钱包里只有几十块,
    有时只剩下几块钱!
    情愿被银行赚五毛也不敢按多多钱,
    拍一次被抢就完蛋了!>_<'
    是不是很好笑奇怪的人?

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  7. i only have two cards but same bank...one visa and one mastercard...just in case one doesnt work...

    cash, errr....no cash at all...those who rob me, pity them.

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  8. Wah, withdrawal money in MY also need a fee one??!

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  9. waaaaaaaaaaaaaaaa 250RM a lot leh...i only 100RM nia...can borrow ar..tailou? haha

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  10. i always have RM50 the most in my pocket leh.. enuf to buy ice-cream :D enuf to keep ethan and I happy :P

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  11. 所以寧願每次㩒多啲放屋企慢慢搣-我也是这样,而且上次在ATM Machine提款时被打劫之后,我通常都选择在商场内提款,人多,比较安全。。。

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  12. I also do the same, take some money out and try not finish using it. But now I used up almost all my rupiah.

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  13. they targeted the wrong person..lol
    actual note ( money) in my wallet will make me feel secured :)

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  14. got extra charges on the 4th withdrawal one?

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  15. I make full payment for my credit card bills too.

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  16. Here in Singapore, withdrawing money from the same bank's teller is free with no extra charges. Thus I always get the bare minimal, just in case I lose my wallet, haha.

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  17. Try to make fullpayment to cc lor....dun want to hutang so much la....

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  18. Hah, good financial planning!

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  19. 我同你一样,都是拿一喳钱出来,放在家慢慢用既。很懒去按,而且觉得按钱是件几危险既事。

    我个朋友前日响mall里面差点被几个人设局打劫,真系好得人惊既。

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  20. 通常你呢啲师奶仔最叻收钱多过洗钱,大旧大旧咁收埋,真係有钱冇人知!哈哈哈~~~

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  21. 两百五算很多咯,还少啊?

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  22. I don't carry much money..I tend to spend more. :)

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  23. Same here bro. I usually have around RM300. If more then use my plastic money lor. :p

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  24. Hmm...I withdraw quite a number of time as I don't want to take out too much money. :p

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  25. Yeah! Some banks called me up too. They are functioning like Ah Long already huh! :p

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  26. lol @ wkw said...
    哦,言下之意,你有好多私己钱咯!
    哈哈......

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  27. eh, almost same like me leh...
    but RM 250 is quite a big amount already leh...

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  28. like now, my wallet just have hmmm, let me see... RM 13.50..
    ahahahaha..

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  29. the max amount i will carry with me is RM 50.. except the day i withdraw money la, normally just one month ONCE... =.="

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  30. then just put at house, secret place let me slow slow kupas until month end.. hmmm...

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  31. if i need to buy anything more expensive than RM 50... that's when i use credit card loh..

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  32. i also have just ONE card, and every month try to control it like RM200 - RM300 like that
    unless there is special case la.. Zzz.. u know.. like swipe RM 1600. FML

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  33. then bank now is really like vampire one!!

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  34. just few days ago, i just received debit card from my bank.. I tot is foc one la, coz they sounded like congrates me for being N years of user, so they gave me a debit card..

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  35. but there is a price to pay one... Zzz... then i fast fast go cancel already...
    dunno need to pay how much for the annual fee la...

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  36. why need to let bank earn the annual fees la.. they so rich edi, i so poor, no ppl let me earn also.. tsk tsk tsk..

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  37. then tobby just borrowed loan from bank, the next few weeks, the bank "FREE" him 1 credit card already.. =.=
    then the letter sounded like he went to apply lor.. so ridiculous..

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  38. like "your application has been approved", thus here is your credit card...
    application my ass la, no ppl go apply also...

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  39. no only credit card, sometimes they will auto help u activate the insurans something in bank and AUTO deduct the money even u rejected them before said "don't want"...

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  40. but who would listen to u la...

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  41. wei.. i like to talk/listen about money stuff one... =.=
    how to spend money wisely la..
    how to earn money la.. and etc.. =.=

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  42. 啲銀行都系既。。。如果要鼓勵我地用ATM卡就唔好差服務費啦。。。

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  43. 對銀行o黎講,用ATM卡點都比櫃檯提款好啦,han返人工嘛。。。

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  44. You’re penny wise pound also wise….:-)

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  45. yeah, i agree that it's better not to carry so much cash with you for safety reason.. just use the plastic card if necessary.. :)

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  46. errr, it's a good idea to avoid the service charge.. but advice you to be extra careful if you are withdrawing a big amount of money.. :)

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  47. haha, cool!! i also always make full payment and don't let the Bank have any reason to charge extra charges from me.. :)

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  48. @ 海市蜃樓:
    #1: 你嗰邊100咪同我呢邊250一樣囉, 哈哈!! 身上冇錢但係有信用卡, 同樣可以身痕架~~
    #2: 如果係冇service charge咁我當然係每次都唔會一次過啦.. 不過銀行第四次之後就charge, 好唔抵囉..
    #3: 就算利息幾低都好, 始終都係額外錢嘛, 我就肯定每次還清囉..

    @ HappySurfer:
    haha, yeah, when it comes to small amount, i'm very particular indeed, hahaha :D

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  49. @ 单身汉:
    #1: 少過100我又會覺得沒有安全感喎, 因為100塊很快就不知不覺用完的..
    #3: 我也是每次都還清的, 不要拖欠銀行的錢, 利息很高哦..

    @ iamthewitch:
    yeah, credit card is a convenience and not a financial aid.. so better spend wisely and within your capability limit.. yeah, i have two cards with me, really for backup purpose..

    ReplyDelete
  50. @ wkw:
    哦?? 為什麼會覺得我很多私己錢呢?? 那些都是小數目罷了嘛, 我是用錢謹慎的人罷了~~ :p

    @ smallkucing:
    yeah, you are true, credit cards are the most money-making facilities Bank have, and the competition is very huge.. you can see this in the shopping center, so many roadshows for credit card sales..

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  51. @ Ashley:
    #1: 哈哈, 錢包只有幾十塊甚至幾塊錢?? 我會覺得很沒有安全感囉, 萬一有甚麼事情要用到錢就真的不好了, 所以我會放大概200..
    #2: 哎唷, 我choy過你先.. 我每次按錢都會很小心喇..
    #3: 哈哈, 其實有些真的不要信用卡的, 不過我倒是覺得至少要有一張喇, 為了方便為了以防萬一嘛.. 其實只要自己可以自制就不是問題了..

    @ vialentino:
    i also have two cards, visa and master from different banks.. yeah, really we should have at least one card for backup in any emergency i think.. wah, you don't have cash at all in your wallet?? cannot be lah, not everywhere also can use card one mah..

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  52. @ Kelvin:
    yes ah.. the bank will charge RM0.50 per transaction after the 4th withdrawal each month.. small charges but still..

    @ manglish:
    not all the time RM250 lah, i say the most mah.. and RM250 keep on using until less than RM50 then only i top up again lor..

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  53. @ Merryn:
    hahaha, but now i think RM50 is not a lot.. very soon you can just finish RM50 without even realise it.. agree??

    @ Casendra:
    哦, 很恐怖囉, 有人盯著你去按錢啊?? 其實我也應該要小心點, 商場按錢其實也不錯哦, 比較安全.. 好, 以後我就這樣啦, 謝謝提議..

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  54. @ Ghosty Nana:
    haha, take out but don't want to finish them?? then what's the point to take them out?? might as well save them in the bank right?? haha, rupiah just finish them all lah, exchange back to RM you loose a bit on the rate..

    @ Danny:
    i think they don't have targets, they will just call up EVERYONE and ANYONE and try their luck lor.. hmmm, of course must have some cash in wallet for emergency if any lah..

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  55. @ Medie007:
    yes, Maybank will charge you RM0.50 per cash transaction over ATM after the 4th time.. you don't know??

    @ Mei Teng:
    yeah, i always make full payment and make sure i pay on time, so that the bank have no reason to charge me more.. :)

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  56. @ Shingo T:
    yeah, if the withdrawal is totally free of course i will not withdraw big amount of money at one time.. but normally after i withdraw i quickly go home and put the money in a safe place..

    @ uLi.佑莉:
    i always make full payment no matter what, and make sure i pay before the deadline.. don't want to give the Bank any other reason to earn more money.. :p

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  57. @ Pete:
    errr, not actually planning lah, i would say good habit?? haha~~ :)

    @ C'est la vie:
    不過每次一次過拎咁多錢, 又的確唔係好安全嘅.. 嘩, 喺個商場都會畀人設局打劫?? 邊間商場咁恐怖?? 其實我每次提款都會心驚膽跳架, 因為而架啲搶匪真係好無良架囉..

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  58. @ edward:
    哈哈, 你又知我收埋收買好多錢, 好似好了解我咁喎?? 傻啦, 我都係光棍一名, 月光族一個囉~~ :p

    @ 古克石屋:
    250我覺得剛好喇, 因為我也不想太少嘛, 太少又好像沒有安全感的..

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  59. @ wenn:
    hahahaha!! in that case, perhaps just do away with cash, use your plastic will do, save your effort to bring that heavy bulk of cold cash, right?? :D

    @ Tekkaus:
    #1: wow, RM300 is quite a lot!! but i guess normally you gotta pay for dad, wife and baby, so that's quite reasonable lah..
    #2: yeah, if there is no extra charges of course i'll just withdraw the minimum.. but since there's charges, i think better withdraw more at one go enough for at least half a month..
    #3: haha, yeah, now the Banks are so desperate to push their Cards and Loans.. these are the most money-making facilities to them..

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  60. @ Donna:
    #1: wah, only RM13.50 ah?? enough meh?? i really don't feel secure with so little money lor.. and the max only RM50 ah?? nowadays RM50 very fast finish without even you realised it lor..
    #2: wah, only withdraw money once a month ah?? then you sure withdraw a lot lor, better be careful everytime you withdraw such big amount of money leh..
    #3: yalah, i also try to control the usage of credit card, normally only big amounts that i swipe lor.. yeah, just cancel the card immediately lah!! i also got such experience, they directly send the card to me without my application.. they say what this is for free, and comes with what what service lah.. and more angry is that, the statement also come after a month!! although zero balance lah.. so i go to the Bank and scold them and ask them to cut the card immediately!!

    @ khengsiong:
    咪就係囉, 咩都要錢, 郁啲又話要收服務費, 郁啲又話要罰款.. 我哋存錢落你間銀行都算係幫你集資幫你有錢投資喎, 利息又唔見你畀多啲??

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  61. @ Grass:
    no lor, i only ringgit and sen wise.. if i'm pound and penny then that would be better, hahaha~~

    @ victor:
    #1: yeah, that's why i said the more money you have, the easier you attracts the snatchers.. so just enough of cash will do..
    #2: thanks for the advice, yeah, i be extra careful when i go withdraw money.. now that i think withdrawing in shopping mall may be better??
    #3: haha, give me five!! let's now give the Bank any valid reason to earn extra cold cash from us~~ yes!! :D

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  62. Yeap SK, kena robbed 1k. But I complainted to the bank lah. Initially they send me a stupid apologize letter, somemore stated 'our atm room to CCTV and bright light on...'

    I said, ya, so you were expecting to see people being robbed and stabbed with the CCTV playback under bright bright light eh?

    Immediately they compensate me the full amount...hahahha

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  63. The banks no friend you bro for your prompt payment..Agree have to keep some spare my norm is RM200 just in case. The other day my car not functioning too well, luckily found a workshop in a petrol kiosk. Rectified the whole problem coz of spoilt plug cable & burnt spark plugs. My wallet was low with less than RM100. The bill exceeded my cash and lucky again they accept plastic else gotta hunt for ATM..

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  64. 槟城仲有边间广场系同皇后有关系嘎?之唔系个间咯,响“霉饼”个度,听讲唔系头一次发生既啦,大家小心,多多保重啦!

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  65. SK果然非常精打细算,储储买买银行户口必定有七个数目。

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  66. 呢排日日都有银行打来叫我地借镭啦,申请信用卡啦!可能呢排冇雨落,开晒把伞!

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  67. hehehe... the bank will soon stop calling you, they will blacklist you from their list coz u dun wan to overspend. lol

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  68. yeah i applied a debit card here in brazil... instead of having a credit card :)

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  69. credit cards are unavoidable in modern living. we spend n then we have to go to the bank to clear it... the inconvenience of that extra one trip. however for emergencies they r indispensable

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  70. @ Casendra:
    wah, that's a very unlucky incident, but then luckily you are able to get the full compensation from the bank!! and i'm actually quite surprise the bank will actually pay you back the full money.. hmmm, you must be very good in complaining!! next time must get you to help me already, haha!! ooopsss, *touch wood*, i mean if there's anything i need to complain to the bank lah~~ :p

    @ Bananazஇ:
    hahaha, yalor, because i always pay full payment on time, so they cannot earn interest from me.. so instead, they always try to increase my credit limit or offer me other benefits for some "little extra payment each month".. haiz, i really hate those telemarketing, and i always decline them.. hmmm, it's actually good to carry some cash like around RM200, in case of any emergency.. also i feel more secured if i have more cash lor, because not everywhere you can get credit card service or ATM mah.. right??

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  71. @ C'est la vie:
    唔係好清楚邊個商場同皇后有關係啦, 但係如果你話咩"霉餅", 我諗我應該猜到係邊間銀行囉.. 我都係用嗰見銀行架喎, 都係要小心行事好~~ :)

    @ 古小玉:
    哈哈, 真會搞笑啦你, 7個數目?? 如果我有7個數目的身家, 我肯定不用去按錢囉.. 因為去那些高級地方, 樣樣都可以刷卡不用現金囉~~ :p

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  72. @ 路人㊣:
    嘩, 朋友, 你好深啊, 我其實都唔係好明你講咩喎.. 咩係冇雨落,開晒把傘啊?? @_@

    @ goldflower86:
    hahaha, good ah, actually i hate people calling me from the bank asking me this and asking me that.. i'd rather they don't call and i can have my peace of mind lor.. :p

    ReplyDelete
  73. @ fufu:
    yeah, actually debit card is a good idea.. you don't go into liability, but instead you just use what you have.. that's a good one.. :)

    @ Bengbeng:
    i always think we must have at least one credit card for backup, be it convenience or emergency.. errr, don't have to go to the bank to pay, you can do internet banking to pay your credit card bills mah.. hahaha!!

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  74. dropping by to say.... GOOD NITE :D

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  75. whoaa 250? me only 150 ler! LOL! but most of the time i buy stuff using my debit card only ler. lol! am i weird?

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  76. used to have credit card but never use it properly so kena banned dy. anyway debit card still ok for me! mwahaha convenient too!! :D

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  77. me seldom withdrw money ler. i think once in a month only, cz most of the time eat , if at restaurant oso use card to pay. heee. n if go supermarket or mall, oso use card. i think i only use cash when need to buy snacks or wat. hehe

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  78. how egrh I dont carry credit card! :(

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  79. I carry cash only as I don't want to over spend future money, when future comes I will almost die! lol!

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  80. 1) I don't like the idea of keeping too much in my purse too. I don't feel secure.

    2) haha...just like you, I withdraw and keep at home too. I don't like the bank to earn the withdrawal fees too. hehe

    3) ya...c/card as a convenience and not a financial aid. I always pay on time too to avoid being charged of interest. Not worth it.

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  81. @ Merryn:
    hey, don't sleep too much ok?? hahaha~~ :D

    @ Caroline Ng May Ling:
    actually RM150 also ok lah, sometimes i also carry that much only.. but i guess if you are not a wise spender, actually using debit card is safer than having a credit card lor.. wah, you always go to restaurant to eat one ah?? so rich leh you.. i only go to those places where only cash is accepted.. :p

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  82. @ Big Boys Oven:
    wah, then you must be always carrying kilograms of cash with you, not heavy meh?? hmmm, actually if you are a wise spender credit card is ok one.. or maybe you should go for debit card instead??

    @ mNhL:
    #1: i think too much or too little also feel insecure, so i think moderate lor, that's why i keep around RM200..
    #2: hahaha, so i think you are using the same bank as me?? yalor, i think this is ridiculous.. or else we always go to counter and withdraw lor.. :D
    #3: we are wise consumers!! give me five, never ever give the banks earn more than they should, hahaha~~

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  83. we should keep some cash in wallet for sure because no everywhere accept credit cards.

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  84. i guess you using Max bank right. hehehe

    I am lazy to take money.

    Hope every month - everyone give me money ..so i not need to take money from ATM

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  85. sure i will not use the credit card balance transfer...

    I remember once i use it because to waive the annual fees and end up i paid some interest as well. after this, i will never use it anymore

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  86. Thamby SK ~ I had 7 credit cards and it was so difficult to terminate Citibank and Alliance! Now they agreed after 2 years of scolding from me. So I have 5 cards now and lots of points. When is your birthday?

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  87. I only have RM150 in my wallet most of the time, but sometimes I get paid in cash and ended with RM1000 in my wallet, so had to quickly bank in the cash, haha!

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  88. I hardly use the ATM to withdraw money nowadays, thank goodness! I totally forgot that the bank will charge after the 4th round!

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  89. In fact the other day I wanted to withdraw money at LCCT, I forgot my PIN number!! Luckily, I managed to remember it after thinking for some time LOL!!

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  90. As for credit cards, I always pay on time so the banks totally hate me!! : D

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  91. 我最没自制的是在美容院:

    “ 这个配套超值,十次才 1699,又送一套价值 899 的产品,可以刷卡,分期付款又不用利息……”

    我受不住诱惑啊!!!

    幸好……

    “sorry,我没有用卡的!”>_<'

    ReplyDelete
  92. i hardly carry cash nowadays sometimes no cash just my debit cards (atm cards)

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  93. @ CH Voon:
    #1: yeah, too much or too little money also not good lor, not secure mah.. so just keep a moderate amount of money in the wallet..
    #2: haha, yalor, i using the MaxBank lor, how do you know?? you are using the same bank too?? hehehe, i ok to withdraw money from ATM lah, but just gotta be very careful lor..
    #3: yoh, never ever try those things lah.. if the Bank if going to push the sales, sure they want to earn money from us one, never go into the trap~~

    @ Twilight:
    for what sake you need to many credit cards leh?? do you use all of them?? hmmm, why it's so difficult to cancel the cards?? just tell them you want to terminate lah, no problem what.. now with fewer cards, you can concentrate the points mah.. hmmm, my birthday?? it's in the URL of my blog mah, SK/0617, get any clue?? :p

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  94. @ foongpc:
    #1: true, i think RM150 is quite sufficient.. haha, you always being paid cash?? wow, good huh.. yeah, don't carry that much cash, it's not safe..
    #2: hahaha, how can you forget your PIN?? luckily i only have one ATM card so that's the only PIN i have to remember, keke..
    #3: yes, i think we should always pay our credit card bills promptly and always in full, so that you don't get any penalty..

    @ Ashley:
    哈哈, 其實不止是美容院哦, 那些sales真的很會推銷的, 只要你稍微一動搖, 他們就看得出然後就會狠狠的進攻.. 好危險哦!! 所以我們要學習有興趣也不要全部露在臉上, 他們都會心理戰術的哦.. :p

    @ Ayie:
    yeah, it's not secure to carry too much cash with you.. hmmm, debit card is actually a good alternative.. :)

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