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Financial wellbeing

A fresh, jargon-free approach to managing money, to help you prepare for a healthier future.

A man is studying and taking notes in a library; image used for HSBC Malaysia habits for financial wellbeing article page.
How to feel in control of your everyday finances

Healthy financial habits

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Find out about what being financially fit means.
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Tips on how to stay out of debt and save.
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Be in control of what you spend on bills, savings and debts.
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Creative ways to reduce your expenses.
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Put money away for those unexpected events.
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How to recognise the signs and what to do next.
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Smart ways to reduce what you owe.
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Start planning for the later stages of life.
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Protect the things that matter the most to you.
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How to avoid the most common financial threats.
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How good habits can help you achieve financial wellbeing.

Savings strategies

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Savings is an important financial habit you can adopt to help you reach your financial goals.
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Find a balance between when to put your money in savings and when to pay off a debt.
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Here are 5 ways to get you into a habit of saving.
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Having a specific goal to save towards can help you stay focused in the near and long term.
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Budgeting is a key step to establish where you are starting from, and how much you can afford to save.
Man working on computer; image used for HSBC MY creating a budget article page
It’s a good idea to have a number of different types of savings. Learn what options you have for different goals.
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Understand how your savings may grow over time.
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Every person’s situation is different, learn how you can take the right approach to managing your savings.
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Ready for the next step? Evaluate your options for investing your money.
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Explore the advantages that saving for retirement early may have on your financial wellbeing.
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Instilling good saving habits can help you met the financial goals you have outlined for yourself and your future.

Protecting what matters

Insurance can provide peace of mind by helping you to protect yourself and the people and things that you love.
While all insurance is important, some types will be more relevant to your current situation.
Insurance may protect you and your loved ones while also being a helpful saving mechanism.
When it comes to protecting your loved ones' health and financial futures, you have options.
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Familiarise yourself with the terms you may come across as you explore insurance options.
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There are many things to consider while shopping for insurance. Take the time to evaluate before buying a policy.
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Protecting your overall wellbeing is an important part of protecting yourself.
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Keep yourself safe and secure from scams and fraud.
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Get ready to take action to protect what matters most to you.

Becoming Financially Independent

Choosing the right bank provider for your needs is the first step to help you meet your financial goals.
This Jargon buster will help you understand some common banking terms.
Asking the right questions is the first step in figuring out your future goals.
Meeting your costs and commitments, while saving up for the things you want, can be a challenge. Here are three financial habits that may help.
Take a deep dive into your payslip to understand taxes and deductions.
You will most likely have to apply for credit at some point in your life. Learn how to navigate credit and debt.
Explore ways in which you can make the most of your career path and find one that works for you.
Learn about ways to successfully share expenses with flatmates, a partner or your family.
While it may seem like a long way off, there are things you can do to start saving for retirement today.
Money and Mental health have a connection. Learn how to make sure you’re taking care of your finances and yourself.

Quality of life

Quality of life is more than just money – it encompasses health, happiness, and prosperity. There's no time like now to check your quality of life and make plans to maintain it or improve it.

Find out your Quality of Life score

Tell us about your lifestyle and we'll calculate your score. We'll ask about your financial knowledge, planning habits, fitness, and mindset. You'll also get tips that will help you set achievable goals and improve your quality of life. You can come back and calculate your score again to see if your efforts have improved it.