2 bank accounts in jars?

Do You Need 2 Bank Accounts to Start Saving?

I came across someone asking this question on Reddit recently: “Is it a good idea to have 2 banks accounts from different banks. Like one for my saving and the other for my expenditures?” It sounded like a very simple question to answer but as I replied, I started asking myself the question: “Why 2…

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Piggy can't save?

What to Do if You Can’t Save?

One day, I was browsing a forum about money habits and it found a lot of people saying “I can’t save!” I find it interesting that there really are 2 types of people: those of save and those who so-called “can’t”. Saving up is one of the cornerstone disciplines for our financial plans. If you…

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calculate TAP and SCP

How to Calculate TAP and SCP Contributions?

Tabung Amanah Pekerja (TAP) and Supplemental Contributory Pensions (SCP) are both government initiated pensions schemes. One of my earliest posts was about them! This scheme is applicable to Bruneian citizens and permanent residents. What I didn’t talk about in detail was how you can calculate TAP and SCP contributions. And to be honest, you don’t need to…

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