Latest Insights and Articles
How to Cut RM500/Month from Your Expenses Without Losing Your Lifestyle
Budgeting isn’t about depriving yourself. It’s about spending smarter.And believe it or not, you can shave off RM500/month without living like a monk. Here’s the step-by-step plan to do exactly that 👇 ✅ Step 1: Audit Your Recurring Bills (Save RM100–RM150) Look at...
How to Tackle Credit Card Debt with Aetherance
Credit card debt is sneaky. It starts small.A quick meal here. A last-minute flight there.Before you know it — 💥 boom, RM12,000 balance at 18% interest. The good news?You can take control.And Aetherance is here to make it easier, clearer, and way less stressful. Let’s...
Snowball vs Avalanche: What’s the Best Way to Pay Off Debt Faster?
If debt is weighing you down, you’re not alone.But here’s the good news — there is a way out. And it starts with a solid strategy. Two of the most popular methods?📉 The Debt Snowball🔥 The Debt Avalanche Both are designed to help you eliminate debt, stay motivated, and...
Envelope System vs. Digital Budgeting: Which Works Better in 2025?
Remember the old-school envelope method? Your parents (or maybe you!) used to take cash, label a few envelopes — 🏠 Rent, 🍗 Groceries, 🛍 Shopping — and spend only what was inside. Simple. Tangible. Real. But now it’s 2025.We tap cards, transfer duit instantly, scan QR...