1. Gas (RM 50.63)

petrol

I just did this to verify that my new debit card is working. I just got it a couple of minutes ago so I went to the petrol station and used it to verify that it’s been activated. I do this with my credit card too – for a completely different reason – to check if I’ve exceeded the limit. smirk

2. Dinner (RM 46.85)

dinner

Xinxian went the opposite of the “Look East” policy and we searched for a place that serves the cuisine that she wanted – ended up eating at Pancake House where there were savory pancakes in addition to sweet ones. I had the Classic Country Pancake.

pancakes

She had the Best Taco Special set.

halo halo

We both ordered Halo Halo coz it says that it originates from the Philippines and since we’re heading there I thought it’ll be fun to eat this here and compare it with the authentic (at least geographically) one when we head there in about a week or so.

dinner bill

Not a bad place for a quick dinner.

3. Shopping (RM 199)

clothes

It has come to my attention that my style of dressing leaves a lot to be desired – the vibe I got was that I look horrigible in what my current wardrobe repertoire offers so when Xinxian broke the news to me we went searching for attire that would not be so offensive to her eyes.

taste

I admit that my fashion sense may be slightly different – I love this pair of sneakers for example, while Xinxian just thought it was loud and garish.

shopping

I don’t buy a lot of clothes, preferring to spend the money on experiences like travel, but since there was a sale going on, and I had a self-appointed fashion consultant, I got a long sleeved checkered shirt. It was originally RM 199 but with the 50% discount, it went down to RM 99.50 which is about just slightly less than one night in the cheapest backpacker’s hostel I could find in London.

4. Movie (RM 22)

movie

We watched a Cantonese film called The Silent War which I didn’t expect much out of but it surprised me by having a well thought out plot (albeit cliched and predictable) and great production values compared to the Chinese New Year movies I tend to watch.

movies

There’s no slapstick humor and the character development is great, I’ll rate it a 7/10 – extra points for it being one of the rare Hong Kong films that’s actually good instead of something slapped together, filmed at the speed of light, and brought to you with minimal post production but a hefty dose of crude humor to compensate for the complete lack of a cohesive storyline, character development and depth.

At least you don’t see the audio boom in this movie – a endemic problem with low budget CNY movies. Heh.

I paid for everything using my debit card and managed to keep track of everything spent that night and I’m spending what I just put in earlier that evening.

easy debit card

The debit card in question is the new RHB Easy-Smart Debit Card. It’s available at all RHB Easy outlets, I went to the one in Kelana Jaya LRT. That’s the beauty of this – the outlets are all at high traffic areas and open 7 days a week!

easy by rhb

Best of all, you can get everything done in 10 minutes by just walking in!

All you need is:

Your MyKad
10 minutes of your time
RM 20 for opening an account

I timed the entire process and it actually took only slightly more than 8 minutes. I was taking photos the entire time and I have the exact time – 8:36 minutes – from the first shot that I took to the final one. Heh.

mykad

I hate filling out forms. I think I’ve mentioned that a lot of times before. You don’t have to worry about that here as everything is done automatically – it’s either pulled from your MyKad and you just tell the teller the rest of the information.

I was serviced by one Mr. Nasri Nasir who was very helpful throughout – kudos for the efficiency!

nasri

Basically, the beauty of the new RHB Easy-Smart Debit Card lies not only in:

  • 10 minute walk-in banking with just your MyKad
  • On-the-spot approval
  • No forms to fill

…but also the unique cash kickbacks that RHB offers with the use of the debit card. I’ll insert a chart to illustrate it better.

easy chart

Thus, you actually open two accounts when you get the new RHB Easy-Smart Debit Card. You get double cash savings automatically, whenever you use your debit card. It all goes into your Easy-Smart Account 2 (think of it as a savings account) while your Easy-Smart Account 1 is your primary account.

money

The beauty of this system is that you automatically save (which is an awesome way of forcing people who have problems saving to actually save) each time you use your debit card from your contribution and the bank’s even higher contribution, all of which goes into your Easy-Smart Account 2.

To add icing to the cake, you can get up to 10% interest per annum on your Easy-Smart Account 2!

balance

Thus, that night, I have saved a total of RM 0.50 (charges made after midnight won’t be tabulated until the next day), and that’s not counting the 10% p.a. interest.

It’s an easy way to budget too, since you’re on a debit card you’re using money you already have instead of purchasing on credit. Granted, credit cards have its own place in the entire system especially for travel but a debit card is a good and almost essential addition to your banking arsenal.

savings account

Using the new RHB Easy-Smart Debit Card allows me to carry less cash and use the card instead, which is mighty convenient. You’re going to spend that money anyway, so I figured using the debit card instead of cash would be more useful in the long run due to the awesome and unique savings method that funnels all purchases made into a special “savings” account called Easy-Smart Account 2.

gas

RM 0.99 might not sound like a lot but you know how it goes – sikit sikit lama lama jadi bukit. I’ve already saved that from one night out alone while if I’ve used a credit card, cash, or a different debit card, I would not have managed to save anything at all. It’s a great alternative to cash for me and it’s an easy way to save each time you spend! :)

shopping

The people who know me personally always give me a lot of grief about my wardrobe, or rather, the lack thereof. I keep turning up in the same outfits every single time. It’s not that I have a drought in the attire department, but rather I have a few favorite shirts that I keep on wearing.

This is compounded by the fact that I am an impulsive shopper. Worse still, I am an impulsive shopper who tends to get the urge to shop at totally random moments (usually twice a year) and comes back with a shitload of clothes, most of which I wouldn’t wear (see favorite shirts above).

sale

I don’t go during sales or the usual periods people shop – I go when I feel like it. This is generally detrimental to my financial wellbeing as I shop on credit so when the credit card statement comes at the end of the month, my reactions range from being slightly taken aback to downright horror.

I have several credit cards but no debit card so when I saw Alliance Bank’s Debit Mastercard I decided to take it for a spin. I had an urge to shop and decided that a debit card would be a better one to use during my retail forays.

Yes, contrary to popular belief, I do actually shop for clothes – else, where would all my shirts come from? smirk

I set RM 750 as my daily spending limit – no more RM 5,000+ credit card bills (happened to me a couple of times). I hit the shopping malls and got the stuff that I really need. I decided that this time I’m going to buy items that I will wear regularly instead of one off items like the RM 575 jacket I got two months ago which I’ve only worn once.

Quiksilver board shorts

board shorts

This is one item I don’t have in my wardrobe. I have Speedos and Bermuda shorts but nothing even resembling board shorts. Why would a 29 year old who doesn’t surf need board shorts? Well, it’s perfect as beach wear! I had a string of beach vacations planned and I thought this would be a good investment.

buy board shorts

Price: RM 269

DC skate shoes

dc

Yes, I know I’m not a 16 year old skater boi anymore but can’t a man revisit the prime of his life? :p

old shoes

Besides, I haven’t bought a pair of shoes in ages, I’m still wearing almost 2 year old adidas tennis shoes. I figure it’s time to change the tatty pair of smelly shoes for some new ones.

dc shoes

DC shoes is not a brand I would choose to buy but one of my ex-girlfriends really loved the brand and bought a pair of them back from Australia for me. I spotted the DC footwear line and decided to get a pair – it’s useful for weekends and it’s also a pair of sneakers so it’s quite comfortable to wear.

Mark and Spencer vests

mark and spencer

This is an essential item in all men’s wardrobes. I didn’t know that until a recent image consultancy that I went for. I’ve never had the habit of wearing singlets or anything like that under my shirts.

cotton vest

To be perfectly honest, I think that practice is incredibly old fashioned and slightly repulsive as only octogenarians (like my late granddad) do that so he can wear his shirts more often without the need to wash it.

vest

However, during my image consultancy, I was told that wearing a vest under your work shirt actually bulks you up and makes you look buff and more authoritative. I’m all for that so I grabbed a couple to wear when I go to work. smirk

It’s RM 79 for 3 x 100% cotton vests so it’s a pretty good investment.

I spent less than RM 750 that day which is really good. That’s the benefit debit cards give you – you don’t spend on credit, you only spend what you have. Even better, I set RM 750 as the daily spending limit and the transaction bounced during the Mark and Spencer purchase so I took a pack of vests out. Nifty, eh?

alliance debit card

I’m using the Alliance Bank Standard Debit Card under HYBRID savings and the best thing about this card is that you get instant 1% cash back on all your purchases. It goes up to 2% cash back for the Premium version. I also really liked the financial control the card affords you. You can set a daily spending limit like what I did so you won’t go over a pre-planned amount that you’re willing to spend.

With more than 1.4 million ATMs around Malaysia, you won’t have any trouble changing your spending limit too! Find out more at my.alliancedebitcard.com.

Related Posts Plugin for WordPress, Blogger...
© 2002 - 2010 Poh Huai Bin Suffusion theme by Sayontan Sinha