{"id":6791,"date":"2025-01-03T07:12:36","date_gmt":"2025-01-03T07:12:36","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=6791"},"modified":"2025-01-09T02:30:50","modified_gmt":"2025-01-09T02:30:50","slug":"3-cara-mudah-anda-boleh-urus-kewangan-anda-pada-tahun-2025","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/3-easy-ways-you-can-manage-your-finances-in-2025\/","title":{"rendered":"3 Cara Mudah Anda Boleh Urus Kewangan Anda Pada 2025"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6791\" class=\"elementor elementor-6791\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a0cd965 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"6a0cd965\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b27d7\" data-id=\"4b27d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-242ca847 elementor-widget-laptop__width-initial xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"242ca847\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>[xts_html_block id=&#8221;3506&#8243;]<br \/>\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2025-01-03T07:12:36+00:00\">\n\t\t\t\t\t3 Januari 2025\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2025-01-09T02:30:50+00:00\">\n\t\t\t\t\t9 Januari 2025\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\t3 Easy Ways You Can Manage Your Finances In 2025\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/p><p><span style=\"font-weight: 400;\">The new year is the perfect chance to hit refresh and take a closer look at your finances. It\u2019s 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.<\/span><\/p><h3><b>1. Consolidate Your Debts to Simplify Your Finances<\/b><\/h3><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-6800 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/expressive-pretty-woman-posing-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/expressive-pretty-woman-posing-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/expressive-pretty-woman-posing-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/expressive-pretty-woman-posing-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/expressive-pretty-woman-posing-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/expressive-pretty-woman-posing-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/expressive-pretty-woman-posing-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span style=\"font-weight: 400;\">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.<\/span><\/p><h4><b>Why Debt Consolidation Helps?<\/b><\/h4><p><b>Easy loan tracking<\/b><span style=\"font-weight: 400;\">: Managing a single loan makes it easier to stay on track.<\/span><\/p><p><b>Lower monthly commitments<\/b><span style=\"font-weight: 400;\">: Combining debts can save you on monthly repayments.<\/span><\/p><p><b>Save on interest<\/b><span style=\"font-weight: 400;\">: Credit cards can carry high interest rates of up to 18%. Consolidating your debt can lower the rate significantly.<\/span><\/p><p><b>Free up cash<\/b><span style=\"font-weight: 400;\">: Consolidating debts can give you access to additional cash for emergencies or other priorities.<\/span><\/p><p><b>Improve your credit score<\/b><span style=\"font-weight: 400;\">: Staying consistent with repayments can positively impact your credit score over time.<\/span><\/p><p><span style=\"font-weight: 400;\">To help you achieve this, <\/span><a href=\"https:\/\/www.ibpo.com.my\/debt-consolidation\/\"><b>i-Console Plus<\/b><\/a><span style=\"font-weight: 400;\"> 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.<\/span><span style=\"font-weight: 400;\"> We will manage the entire process from end-to-end with our trusted bank partners, ensuring a seamless experience for you.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to 70% savings on monthly commitments.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy loan tracking; all your loans consolidated into 1 single account.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enjoy lower interest rates as we will match you to the best bank rates.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extra cash benefits and cash in hand.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Boost your credit score<\/span><\/li><\/ul><p><a href=\"https:\/\/www.ibpo.com.my\/debt-consolidation\/\"><span style=\"font-weight: 400;\">Learn more about i-Console Plus, click here.\u00a0<\/span><\/a><\/p><h3><b>2. Refinance Your Property to Maximise Savings<\/b><\/h3><p><img decoding=\"async\" class=\"alignnone wp-image-6799 size-full\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/woman-make-save-money-buy-new-house-concept-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/woman-make-save-money-buy-new-house-concept-scaled.jpg 2560w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/woman-make-save-money-buy-new-house-concept-300x200.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/woman-make-save-money-buy-new-house-concept-1024x683.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/woman-make-save-money-buy-new-house-concept-768x512.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/woman-make-save-money-buy-new-house-concept-1536x1024.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/woman-make-save-money-buy-new-house-concept-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p><p><span style=\"font-weight: 400;\">Your home is one of your most valuable assets. Refinancing allows you to leverage your property\u2019s value to achieve better financial flexibility. Whether you\u2019re looking to lower monthly repayments, shorten your loan repayment period, or access extra cash for other needs, refinancing can help!<\/span><\/p><h4><b>Why Refinancing Works?<\/b><\/h4><p><b>Lower interest rate\/effective lending rates (\u201cELR\u201d): <\/b><span style=\"font-weight: 400;\">Refinancing can significantly reduce the interest you pay over the life of your mortgage.<\/span><\/p><p><b>Shortened mortgage tenure: <\/b><span style=\"font-weight: 400;\">Shorten your loan repayment period, saving you both time and money.<\/span><\/p><p><b>Cash out to finance a new purchase or other needs: <\/b><span style=\"font-weight: 400;\">Leverage your property\u2019s value to access extra funds for renovations, business funds, education funds, emergencies, or other financial priorities.<\/span><\/p><p><span style=\"font-weight: 400;\">Our <\/span><b>i-Refinancing<\/b><span style=\"font-weight: 400;\"> program is designed to help you maximise these benefits with zero hidden fees and additional perks.\u00a0<\/span><\/p><p><b>We are also the first in Malaysia to offer both cash rebates and shortened loan tenures!\u00a0<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly cash rebates for up to 5 years.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to 70% savings on monthly commitments.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce house loan repayment duration by up to 8 years.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access extra cash at hand.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increase your house value and earn passive income when bundled with our Housing Value Investment.\u00a0<\/span><\/li><\/ul><p><a href=\"https:\/\/www.ibpo.com.my\/mortgage-loan-refinance\/\"><span style=\"font-weight: 400;\">Learn more about i-Refinancing, click here.\u00a0<\/span><\/a><\/p><h3><b>3. Check Your Financial Health with ANIKA<\/b><\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-6795\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/asian-woman-interactions-mobile-phone-concept-with-notification-icons-like-message-email-comment-star-smartphone-screen-person-hands-holding-device-internet-digital-marketing.jpg\" alt=\"\" width=\"2000\" height=\"1125\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/asian-woman-interactions-mobile-phone-concept-with-notification-icons-like-message-email-comment-star-smartphone-screen-person-hands-holding-device-internet-digital-marketing.jpg 2000w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/asian-woman-interactions-mobile-phone-concept-with-notification-icons-like-message-email-comment-star-smartphone-screen-person-hands-holding-device-internet-digital-marketing-300x169.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/asian-woman-interactions-mobile-phone-concept-with-notification-icons-like-message-email-comment-star-smartphone-screen-person-hands-holding-device-internet-digital-marketing-1024x576.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/asian-woman-interactions-mobile-phone-concept-with-notification-icons-like-message-email-comment-star-smartphone-screen-person-hands-holding-device-internet-digital-marketing-768x432.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2025\/01\/asian-woman-interactions-mobile-phone-concept-with-notification-icons-like-message-email-comment-star-smartphone-screen-person-hands-holding-device-internet-digital-marketing-1536x864.jpg 1536w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/p><p><span style=\"font-weight: 400;\">Understanding your financial health is a crucial step before setting new financial goals. One way to measure this is through your <\/span><b>Debt-Service-Ratio (DSR)<\/b><span style=\"font-weight: 400;\"> score, which reflects your current financial commitments and repayment capacity.<\/span><\/p><p><img decoding=\"async\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-3.png\" \/><\/p><p><span style=\"font-weight: 400;\">ANIKA, Malaysia\u2019s 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!\u00a0<\/span><\/p><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2024\/07\/IBPO-DSR-Article-Images-5.png\" alt=\"\" width=\"2400\" height=\"1181\" \/><\/p><p><b>How ANIKA Helps:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Easy Assessment<\/b><span style=\"font-weight: 400;\">: Scan your MyKad and verify your identity with Face ID through eKYC process. <\/span><a href=\"https:\/\/www.ibpo.com.my\/whats-ekyc-identity-verification-how-you-can-benefit-from-it\/\"><span style=\"font-weight: 400;\">Learn more about the eKYC process<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Accurate Results<\/b><span style=\"font-weight: 400;\">: Integrated with trusted credit reporting agencies like <\/span><b>Experian<\/b><span style=\"font-weight: 400;\">, <\/span><b>Credit Bureau Malaysia<\/b><span style=\"font-weight: 400;\"> and<\/span><b> CTOS<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Personalised Solutions<\/b><span style=\"font-weight: 400;\">: Based on your DSR score, ANIKA recommends tailored financing options to help you take control of your finances instantly.<\/span><\/li><\/ul><p><a href=\"https:\/\/chat.ibpo.com.my\/\"><span style=\"font-weight: 400;\">Chat with ANIKA, click here.\u00a0<\/span><\/a><\/p><h3><b>Take Control of Your Finances This Year<\/b><\/h3><p><span style=\"font-weight: 400;\">Managing your finances doesn\u2019t 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.<\/span><\/p><p><span style=\"font-weight: 400;\">Let IBPO Group Berhad help you achieve your goals.\u00a0<\/span><\/p><p><b><i>Start your financial journey today and make this year a winning one for your finances!<\/i><\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3ada20 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"a3ada20\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa88632\" data-id=\"aa88632\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] The new year is the perfect chance to hit refresh and take a closer look at your finances. It\u2019s 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 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6792,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 Easy Ways You Can Manage Your Finances In 2025<\/title>\n<meta name=\"description\" content=\"The new year is the perfect chance to hit refresh and take a closer look at your finances. 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