Debt Management Template
Bring your debts and repayments together so you can see your current position clearly.
Open templateKa Hoe’s resource collection
Tools to see
where your
money goes.
Templates, workbooks and reference links to help you understand your cashflow, debt and net worth before making your next money decision.
Start with a clearer picture
Your income.
Your commitments.
Your next step.
Understand your money
Templates, workbooks
and calculators.
Start with the Debt Management, ICE JAR and Asset & Liability templates to bring your repayments, monthly cashflow and net worth into focus.
ICE JAR Template
Review your Investment, Commitment and Expenses jars to see where your monthly income is going.
Open templateAsset & Liability Template
List what you own and what you owe to understand your current net-worth position.
Open templatePMR Template
Organise your premiums and coverage before reviewing your insurance arrangements.
Open templatePMR eBook
Read the PMR approach to reviewing insurance premiums alongside the coverage you need.
Open eBookFinancial IQ Calculator
Use the calculator to explore how hard your money is working for you.
Open calculatorTax Optimization Tool
A tool from my resource collection to help organise your tax-planning review. Check any tax rules against the relevant assessment year.
Open toolFinancial Freedom Number
Explore your retirement number with the inflation-adjusted calculator from my original resource collection.
Open calculatorCheck the official sources
BNM & Securities
Commission quick links.
Go directly to the relevant official pages for monetary policy, economic publications and checks on investment providers.
OPR Decisions & Monetary Policy Statements
Find BNM’s policy-rate decisions and the accompanying monetary policy statements.
Visit BNMMonetary Policy Explained
Understand monetary policy, the OPR and the factors BNM considers in its decisions.
Visit BNMGDP & Economic Publications
Find quarterly economic bulletins and other official economic and financial publications.
Browse publicationsInvestor Alert List
Check SC’s list of unauthorised entities and investment offers. The list is not exhaustive.
Check the listInvestment Checker
Check whether an individual or entity is authorised by SC to offer capital-market products or services.
Open checker2022 economic reference archive
Historical slides from the original eResources page. For current economic releases, use BNM’s publications link above.
2022 Quarter 2 GDP presentation slidesYour next step
You earn well.
Let’s understand why
you still run short.
Start with a clearer picture of your income, commitments and monthly gap. Then you can decide what needs to change.
With Ka Hoe at JA
Clarity before another commitment.
Understand the pressure behind your numbers and explore what support fits your situation.
Explore how I work at JA