3 Easy Ways You Can Manage Your Finances In 2025

The new year is the perfect chance to hit refresh and take a closer look at your finances. It’s a time to rethink habits, spot areas for improvement, and make smart changes that can give you better control over your money. Small steps today can make a big difference in helping you achieve financial stability and peace of mind for the year ahead.

1. Consolidate Your Debts to Simplify Your Finances

If you find yourself juggling multiple loans and credit card repayments every month, debt consolidation can help simplify your finances. By combining all your debts into one loan, you can enjoy a single, manageable repayment plan while potentially reducing your monthly commitments.

Why Debt Consolidation Helps?

Easy loan tracking: Managing a single loan makes it easier to stay on track.

Lower monthly commitments: Combining debts can save you on monthly repayments.

Save on interest: Credit cards can carry high interest rates of up to 18%. Consolidating your debt can lower the rate significantly.

Free up cash: Consolidating debts can give you access to additional cash for emergencies or other priorities.

Improve your credit score: Staying consistent with repayments can positively impact your credit score over time.

To help you achieve this, i-Console Plus offers a hassle-free debt consolidation solution. With tailored financing options and interest rates as low as 3.88% p.a., i-Console Plus makes it easy to regain control of your finances. We will manage the entire process from end-to-end with our trusted bank partners, ensuring a seamless experience for you.

Up to 70% savings on monthly commitments.
Easy loan tracking; all your loans consolidated into 1 single account.
Enjoy lower interest rates as we will match you to the best bank rates.
Extra cash benefits and cash in hand.
Boost your credit score

Learn more about i-Console Plus, click here.

2. Refinance Your Property to Maximise Savings

Your home is one of your most valuable assets. Refinancing allows you to leverage your property’s value to achieve better financial flexibility. Whether you’re looking to lower monthly repayments, shorten your loan repayment period, or access extra cash for other needs, refinancing can help!

Why Refinancing Works?

Lower interest rate/effective lending rates (“ELR”): Refinancing can significantly reduce the interest you pay over the life of your mortgage.

Shortened mortgage tenure: Shorten your loan repayment period, saving you both time and money.

Cash out to finance a new purchase or other needs: Leverage your property’s value to access extra funds for renovations, business funds, education funds, emergencies, or other financial priorities.

Our i-Refinancing program is designed to help you maximise these benefits with zero hidden fees and additional perks.

We are also the first in Malaysia to offer both cash rebates and shortened loan tenures!

Monthly cash rebates for up to 5 years.
Up to 70% savings on monthly commitments.
Reduce house loan repayment duration by up to 8 years.
Access extra cash at hand.
Increase your house value and earn passive income when bundled with our Housing Value Investment.

Learn more about i-Refinancing, click here.

3. Check Your Financial Health with ANIKA

Understanding your financial health is a crucial step before setting new financial goals. One way to measure this is through your Debt-Service-Ratio (DSR) score, which reflects your current financial commitments and repayment capacity.

ANIKA, Malaysia’s first AI-powered virtual financial consultant chatbot, makes checking your financial health quick and easy. With just a few simple steps, ANIKA provides you with an accurate DSR score!

How ANIKA Helps:

Easy Assessment: Scan your MyKad and verify your identity with Face ID through eKYC process. Learn more about the eKYC process.
Accurate Results: Integrated with trusted credit reporting agencies like Experian, Credit Bureau Malaysia and CTOS.
Personalised Solutions: Based on your DSR score, ANIKA recommends tailored financing options to help you take control of your finances instantly.

Chat with ANIKA, click here.

Take Control of Your Finances This Year

Managing your finances doesn’t have to be overwhelming. By consolidating your debts, refinancing your home, and understanding your financial health, you can take meaningful steps toward a stronger financial future.

Let IBPO Group Berhad help you achieve your goals.

Start your financial journey today and make this year a winning one for your finances!