Are you a seldom make call mobile phone user? You only make call once in a while. All you do is received call most of the time. And you need to reload your prepaid phone in order to keep it activate. If yes, here is a guide for you to save your money. By the way, this guide is only work on Hotlink plan. Although Celcom Xpax and DiGi Prepaid still work with it but it is not worth it.
There is a function in Hotlink plan called – Share-a-Top Up. You can share your credit among anyone in Hotlink plan. You can share RM5-9 for 3 days validity (active time) or RM10++ for 7 days validity. There are RM0.50 charges per transaction. Here are the guide for Hotlink, Celcom and DiGi.
Take me as example… I did not reload for quite a long time. If not mistaken I reload RM30 only half a year. My parents and I are not heavy user on mobile phone. We usually call using home telephone which the call rate is much cheaper than mobile phone rate. I use Skype to make IDD call anyway… Therefore, it waste my money to reload RM30 every month to keep it activate. The guide work like this… I share RM10 to my parent to keep their phone activate. They will share back RM10 to me on the 7th day (the last active day). Example, I share to them on Monday. They share back to me on Sunday. And this continue forever until we run out of credit to share. Then we have to reload it.
It cost me RM2 (4 x RM0.50 transaction fee) per month to keep my prepaid activate compare to RM30 using reload card. RM24 yearly only compare to RM260 yearly using reload card. This guide is definitely not for user who use more than RM50 per month. Get yourself a postpaid plan if you are heavy user. Of course I do need to pay on my home telephone bill but it is much cheaper then using mobile phone. Hope this guide can help you save some money. 
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How to save money for the future?
Everyone must have this question in mind. Included me. Do you keep some money for your future? If no, it is not too late to start right now. Earlier the better. I start to learn financial planning after out of university. 3 years of knowledge that I have gained. Some of my friend already started their own financial planning when they were teenager while some still wondering around with no plan in mind. 
Better have one in place else you will find yourself end with less or no money with you all the time.
Access your financial condition is the first step I took. Find out all the asset you got. Ask yourself these questions. How much cash I have in bank? Any fixed deposit in bank? Own any company share? Any unit trust in hand? Do I own a house? Have any car? List down all of them and calculate how much total value are they. Then you will know your current asset available with you right now. I do not have any house or car after coming out from university. Most of us will be the same except you have a very rich dad. Then you might have a car or even a house already. Or ever more. Therefore, we need to earn money to buy all these stuff to survive. There is a cruel world out there.
Besides asset, now is the time to find you your liability. Do you owe anyone money? Do you take any loan to buy house, car…? Hurry up come out all of them. For my case, I owe PTPTN (education loan in Malaysia) only for the moment. Luckily… It is not a big amount. It will take me 15 years to pay them back all the loan by monthly installment.
Malaysia Bank Swift Code
Affin Bank Berhad = PHBMMYKL
Alliance Bank Malaysia Berhad = MFBBMYKL
Ambank Berhad = ARBKMYKL
Bank Islam Malaysia Berhad = BIMBMYKL
Bank Kerjasama Rakyat Berhad = BKRMMYK1
Bank Muamalat Berhad = BMMBMYKL
Bank of America = BOFAMY2X
Bank Simpanan Nasional = BSNAMYKL
Bumiputra-Commerce Bank Berhad = BCBMMYKL
CIMB Bank Berhad = CIBBMYKL
Citibank Berhad Malaysia = CITIMYKL
Deustche Bank = DEUTMYKL
EON Bank Berhad = EOBBMYKL
HSBC Bank Malaysia Berhad = HBMBMYKL
Hong Leong Bank Berhad = HLBBMYKL
Malayan Banking Berhad = MBBEMYKL
OCBC Bank Berhad = OCBCMYKL
Public Bank Berhad = PBBEMYKL
RHB Bank Berhad = RHBBMYKL
Standard Chartered Bank Malaysia Berhad = SCBLMYKX
Southern Bank Berhad = STHBMYKL
The Royal Bank of Scotland Berhad (RBS) = ABNAMYKL
United Overseas Bank Berhad = UOVBMYKL
Kindly inform me if there is mistake.
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