Personal Finance

Articles relating to personal finance. Applicable to individuals and not requiring too much technicalities that encompass the financial industry.



cheap wedding at the beach
Weddings are never known for being small events; nor are they cheap. Whenever there’s a wedding worth talking about that’s not celebrity calibre, it’s usually about how expensive it was, how grand it was and how good the food was. Actually it’s more memorable if the food was bad, so […]

Cheap Wedding Ideas: How Frugal Will You Go?


wedding budget picture of rings on a love sign 4
OMG! He (or she) just popped the magic question and you said yes! You’re feeling butterflies in the stomach and looking at the world through rose-tinted glasses. Soon, the excitement of looking at dresses, suits, ballrooms and whatnot fall back to one thing: money. And how much you have! Now […]

Wedding Budget Tips: Planning For What You Need





bank accounts image of european central bank in frankfurt 2
A bank account is considered a necessity for our normal financial transactions. I’ve also talked about using separate bank accounts for your savings strategy a while ago. Sure, you can keep your hard earned money under your mattress or inside a biscuit tin. But if an unfortunate event were to […]

Brunei Bank Accounts Comparison: Savings and Current



JAPEM image of adult index finger touching child index finger 4
Every time I write an article, I make two simple assumptions: First is that You, my dear reader, understand English. And secondly, you are at a point of life where you can adequately support yourself financially. The biggest flaw of this assumption is also just as simple. That is not everyone […]

JAPEM – Assistance for the Less Fortunate


image of credit cards in the back pocket of denim jeans
Ah, credit cards. The symbol of wealth in movies, freedom in shopping and bringer of unimaginable debt. Exaggerations aside, credit cards are excellent financial tools if used correctly. There are usually many nice benefits attached to them as banks want to attract customers to sign up. This includes being able […]

Credit Cards – Tips for Effective Use




man chase the money on a wheel
When you read articles and tips from successful people, one of their advice is usually “Don’t chase the money. Follow your passion and the money will follow!” Many times I, as a normal person without a million dollar enterprise, will scoff at these comments. “Easy for you to say, you’ve […]

Why You Should Chase the Money


contract bond image of a contract in padlock. 2
In my article last week, I talked about whether there was an intrinsic cost to education. Long story short, I think there is. I mentioned briefly that I had a contract bond to work for the Government similar to many other scholars. If I’m being honest, I have encountered many […]

Breaking Contract Bond: Is it Worth it?




money during celebrations image of fireworks in kuwait 2
Selamat Hari Raya Aidilfitri to all our Muslim readers! It is indeed a time for celebration for many who have once again gone through the fasting month of Ramadhan. Now it’s time to kick back and enjoy the festivities and be thankful that there is a 3-day public holiday since […]

7 Ways to Burn Your Money during Celebrations


Stocks in Brunei image of a trading screen with charts and prices
Recent news reported that our local bank Bank Islam Brunei Darussalam (BIBD) is planning an Initial Public Offering. Along with the fact that they gave high dividends last year, I think it’s a good time to talk about stocks. One of the ways we can generate wealth is through buying […]

Stocks in Brunei – What are they and How to ...




financial scams image of a mouse and keyboard with a "get me out of here" key
In recent years many of us in Brunei may have heard of or even been targets of financial scams. These scams commonly referred to as “Skim Cepat Kaya” or Get-Rich-Quick schemes are becoming more prevalent. But not all scams promise you great riches; they could simply trick you! It could […]

3 Types of Financial Scams You Should Know


haggling image of a bazaar with many lanterns hanging
In my previous post about saving money while traveling, readers wanted to know more about haggling. Not only is it a good way to get a bargain, it’s quite fun and pretty simple to do. There’s no science involved; only people skills and common sense! Haggling is a chance for us as buyers […]

5 Elements of the Art of Haggling