financing a car image of a blue ferrari on a race track
I have mentioned before that one of the reasons Bruneians go into debt is because of financing a car. Living in Brunei, a car is probably an absolute necessity due to overpriced taxis and unreliable public transportation. But while a car is necessary, it also serves another purpose for many; […]

Financing a Car You Deserve in Brunei


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



insurance image of a split lying matryoshka doll beside two standing ones
When someone mentions “insurance”, an image that comes to mind is this well dressed fellow who is annoyingly persistent and wouldn’t take “no” for an answer. It is not a fun subject to talk about and might not be an enviable job especially when compared to a cushy, super-secure job in the Bruneian […]

Insurance – How Much Does Your Life Cost?


save money when traveling image of a plane taking off at night with skyscraper background
Ah travel. The sweet feeling of freedom, taste of airplane food and exploring unknown (or known) places. Bruneians love to travel (and as much as possible, save money when traveling). We love it more so than many of our neighbouring counterparts because of a few key factors: 1. Most have […]

5 Ways to Save Money When Traveling


misconceptions image of coffee spilt over documents 2
Back when I just started University, I had never thought much about money other than it was a way to get different items. To me, it was a replacement of the barter trade system where we trade goods for goods; nothing more. Frankly, my money sense and financial IQ was […]

7 Misconceptions about Money I Had in My 20’s



debt image of a wallet clamped in a vice 2
Debt in our society seems to translate to trouble. Off the top of my head, it comes to me as being tied down to pay off what you borrowed. In recent years, even countries like the US and Greece came into the limelight regarding their debts. With all the negative notions […]

4 Reasons Bruneians are in Debt


tap and scp image of a jar with money inside
  In my post last week about investing, I covered briefly about two programs in Brunei called TAP and SCP. TAP and SCP came into being as an alternative to state-funded pension schemes for public servants. They have since developed into a plan for all citizens and permanent residents. Currently, only uniformed […]

TAP, SCP and Me – Things you may not know ...


picture for investing of sprout growing on coins
Many of us dream of not needing to work and still be able to get money to spend some how. Whilst this may seem immature and wishful at best, the good news is: It’s actually possible. The bad news is you won’t get it right now or even in the […]

Investing 101 – Growing Your Wealth



photo of budgeting with pen and calculator
“Budget” is a term thrown around a lot of times in both personal and professional conversations. Many of us in the public sector hear this word all too many times and usually it comes as one of the reasons why we can’t have nice things. We can complain all we want […]

Budget 101 – How to Manage your Money and Spending


savings image of a house made of stacking coins and a bill roof 4
Having savings in your bank or under your mattress can be beneficial in a number of ways. It could be for an emergency car part you really need to change, a deposit for that dream house of yours or simply some extra pocket money for your next vacation. Regardless of your […]

Savings 101 – Basics of Building a Financial Foundation