Welcome to Multiply!

Here you’ll find content and tools that simplify personal finance for you.

Before you start find out if you’re a Money Boss, Finance Cadet or a Finance Newbie by taking this quiz!

1. It's the end of the month, you are thinking...

There's still 5 days 'til I get my salary?!

Who cares - I have a credit card

It's fine, I have a budget and more than enough for the rest of this month

2. Say you want to go shopping for fun, do you...

Set aside some money from your salary

Borrow from your siblings or parents

Max out your credit card

Use your emergency savings

3. So you crashed your car and it's going to cost RM1,000 to fix, you

Have to wait 'til you get paid and just drive around in a bashed up car first

Use your emergency savings that you have for a situation like this

Have to use my insurance and lose that no claim bonus!

4. Your credit card statement is in and your reaction is

Just pay the minimum amount, enough what

Pay back every single sen!

Whoops, forgot it was due

Credit card?? No thanks, I don't need that piece of plastic

5. After months of saving (see "sikit -sikit, lama-lama jadi bukit" really is true), you've got cash sitting in the bank. You then

Leave it in your savings account. Safer what?

Invest some of it

Visit the nearest shopping mall and give yourself a treat

6. You're buying a new car (yes, imagine away - Toyota, Proton, or BMW). You take

A 9 year loan at 3% interest with monthly repayments of RM530

A 7 year loan at 3% interest with monthly repayments of RM650

A 5 year loan at 3% interest with monthly repayments of RM860

7. You are thinking of investing. What do you do...

Put all your money in one investment that you believe gives the highest returns

Put your money in a few investments because who knows what can happen?

Put all your money in one safe investment because it's safe right

Buying a Home