It's not unusual for one to be in debt - after all, the most common debt carried by Malaysians is a mortgage. However, it can be crushing if you have a very high debt-to-income ratio, so we speak to Nur Sofina Binti Mohamad Johari, Wealth Advisor at UOB Kay Hian Wealth Advisors Sdn. Bhd about how to manage debt, and the dos and don’ts when you’re trying to start afresh financially.

<p>It's not unusual for one to be in debt - after all, the most common debt carried by Malaysians is a mortgage. However, it can be crushing if you have a very high debt-to-income ratio, so we speak to Nur Sofina Binti Mohamad Johari, Wealth Advisor at UOB Kay Hian Wealth Advisors Sdn. Bhd about how to manage debt, and the dos and don’ts when you’re trying to start afresh financially.</p>

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

Ringgit and Sense

We explore financial themes and help you make sense of the world of finance. From setting financial goals, managing finances, investing and understanding the various issues that affect our wallets. Ringgit and Sense wants to help you understand personal risk profiles, realistic investment horizons, retirement planning, managing education loans and health insurance plans, as well as breaking down the various personal finance products that are available.

Advertisement