If you grow up in Malaysia, you’re probably very familiar with this term, “sikit-sikit, lama-lama jadi bukit”. But that’s pretty much all we learn in school, to menabung and “simpan duit”. 

I was very lucky that my mom worked in Bank Negara Malaysia. And she would always get me this little Buku Wang Saku for kids. I, as a tracking nerd (i think this is where it started), definitely loved it, and would diligently fill it in. She also made me read Rich Dad Poor Dad for Teens and a couple of other financial books.

As I was getting a little bit older, my expenses grew bigger, I had to get a debit credit book to write down my expenses. And, this is exactly how it looks like:

If you have never done anything like this before, I am telling you that you really really should. But no worries, you don’t have to jot it all like this.

Thank goodness for phone apps! Get your handphones right now and download this app!

*This is not an affiliate post, I do not earn or receive anything from the company.


I personally use the Pro version of this app. It is only a one-off RM12.99 at the time I purchased it. Currently, it’s only RM10! But if you wanna try it, they have a free version. I love this app because it is complete and very easy to use. Here are some of the perks:

#1 Multiple Accounts

If you have Maybank, CIMB, Bank Rakyat, Tabung Haji, ASB and other sorts of savings or investment accounts, you can keep track of each and every one of them and know exactly how much you have in there (of course, you have to update lah!) This will help you strategize if you can make more investments or pay more attention to the money coming in.

You can also decide which accounts to show on the main page at any given time. For me, I only choose to show the accounts for everyday expenses.

#2 Categories

You can group incomes and expenses based on Categories. Common categories would be the car, household, or grocery expenses. If you do not record your spendings, you pretty much won’t know where your money goes. With this, you know if you’re spending too much money on your car petrol or the cinema. And maybe, you’re not giving enough money to charity? Well, this feature is also very useful if you have multiple income streams! I love that I can check how much I make from different businesses and whether the cost is efficient.

#3 Cute & Simple Interphase

Cute is a plus, but you can easily see your total expenses, total income and total balance on the main page of the app. As mentioned above, I choose my spending account to be viewable on this main page. This way, I can easily decide how much you can spend and how much you can save. This app has saved me from making stupid impulse-buys and help me see thoroughly if my decision to buy something is a smart move.

#4 Daily / Monthly / Weekly View

This is useful if we wanna look for specific transactions like pending bills or when we last received the rental payment, tuition fees etc. Great for freelancers or entrepreneurs because you can compare how much you make each month. I think you get the picture.

You can also set up when the month or week starts. If you get your salary on the 26th, then set Day1 of the month on that date. Surplus from the previous month will be shown in this month’s balance. For example, if you have RM300 balance at the end of January, even after you have put aside your savings and investments, that RM300 will be shown on the first of February. This setting is optional too, which is why the app is awesome!

#5 Multiple Currency

Last but not least, if you are a frequent traveler, this feature will be absolutely amazing for you because you can keep track your expenses in another currency too. As in, still, have the main currency set. If you’re confused and curious, just download the app and see for yourself. 

Get Monefy Here

So, do you manage your money? If not, what’s your excuse for not managing your money? Is the apps too much or you have a better suggestion?



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