Finwealth Academy

Subscription Clean-Up & Bill Negotiate Sprint

30-min sprint 🏃‍♀️💨
☑️ Audit subs (must/keep/cancel)
☑️ Call to negotiate internet/phone ☎️
☑️ Move annual plans to renewal month tracker 📆
Savings go to Emergency Fund or Goals 🔁

Big Purchase Protocol (BPP)

Before any big buy 🛍️💡

1. 72-hour cool off ⏳
2. Get and compare 3 quotes 🧾
3. ROI/JOY score (0–10 each) 📊

Under RMX limit? Discuss with your partner 🗣️
Less impulse, more intention.

In-Law & Parent Allowances (Boundaries with Love)

Helping parents respectfully 🤝💙. Add a Family Support line to your budget, agree on amount/frequency, review yearly, and communicate kindly. Support ≠ sacrifice your future. Boundaries protect love.

Renovation Without Regret

Reno budget traps 🛠️: scope creep, upgrades, delays.
Set must-haves, 10–15% contingency, stage projects, pay in milestones, and keep a defects list.
Beautiful home, sane wallet. 🏡

Financial Infidelity Recovery Plan

Found secret spending/debt? Breathe.
💔➡️💙 Steps: full disclosure, no-shame audit, freeze new credit, agree a repair plan (budget + payoff + therapy if needed), weekly money dates for 90 days.
Rebuild trust with transparency.

Side Hustles as a Couple (Without Burnout)

Extra income, not extra fights 💼⚡. Pick skills you enjoy, set work hours, keep separate accounting/taxes, and set a payoff target (debt/goal).
Hustle should buy freedom, not exhaustion.

Car Math for Couples (Own vs Ride)

Car or ride-hailing? 🚗🆚🚕
Run the math: monthly payment + insurance + road tax + fuel + parking + maintenance vs. average ride cost.
Factor time + convenience. Choose what fits your season, not not the flex.

💰 Keep More of What You Earn! 🧾

Before the year ends, tick off this quick tax relief checklist ✅

📚 Education Reliefs – Courses, exams, or upskilling expenses.
🩺 Insurance / Takaful – Life, medical, or EPF-linked policies.
🛍️ Lifestyle Reliefs – Gadgets, sports gear, books, or fitness subscriptions.
💼 EPF Self-Contribution / PRS – Boost retirement savings and tax relief.
👶 SSPN for Kids – Don’t forget your child’s education savings.
🗂️ Keep Receipts Organized – Snap & save them in a cloud folder.

✨ Do it now — so you’ll thank yourself during next year’s tax season!

Your rates, your rent, your approvals — credit matters 🧠📊. Pull reports, fix errors, keep utilization

💔 Love or Money? Stop Fighting, Start Understanding 💞

Money stress shouldn’t steal your peace (or your love).
Join our “Love or Money: Why We Fight” webinar and discover:
💡 Why money triggers fights
💬 How to communicate without conflict
💰 Ways to build harmony and shared goals

✨ Last call to register! Only RM29 for insights that could save your relationship (and your wallet).
📅 22 Oct (Wed) | 8:30 – 9:30 pm
📅 25 Oct (Sat) | 10 – 11 am
🔗 Scan the QR to secure your spot! or Register via link: https://forms.gle/VFACCtykTbPBX3DX9

As diyas light up your home this Diwali 🪔, may clarity and abundance light up your finances too! 💡💸

Talk openly, plan wisely, and grow beautifully — as partners in love and money.
Because when financial peace enters your home, happiness multiplies. 💕

Happy Diwali from Finwealth Academy – Where Love Meets Wealth. ✨

Debt together, out together 🧹💳. List all balances and rates. Choose Avalanche (highest rate first) or Snowball (smallest amount first).
Set a “no new debt” pact ✋, throw windfalls/tax refunds at it. Celebrate each payoff 🥳.