If you’re the impulsive shopper type, keep it somewhere so you won’t run out of money. So, how do you go about doing it? You must also adapt yourself in order to avoid being lavish. Try not to utilise your funds unless there is a genuine emergency. Spend wisely. In Malaysia, there are several options on where to save or invest your money like Tabung Haji and Amanah Saham Nasional Berhad (ASB). You could also buy RDP.