The symp­toms:

CLEO (Malaysia) - - SMART REPORT -

An out­dated ev­ery­day ac­count.

An old sav­ings ac­count earn­ing low in­ter­est.

RM16,500 credit card debt with a 21 per cent per an­num in­ter­est rate (re­sist your credit card’s cash ad­vances, people!).

RM4500 lap­top credit card debt with a 15 per cent per an­num in­ter­est rate.

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