Living in the city does not necessarily mean that you are wealthy. That is a terrible misconception.

Many urbanites in Malaysia, especially blue collars who are living in big cities, admitted that their salaries are not even enough to cover for their expenses every month. Those who have familial and marital commitment, could be heard complaining about their struggles pretty often, be it while having a chit chat with friends at their regular Mamak joints or ranting on social media platforms like Facebook and Twitter.

Let’s admit it, most of us who are living in the city could barely survive the current economy in Malaysia, what more thrive and grow from it, but whining or telling sob stories about your financial struggles or putting the blame solely on the current economic environment is not exactly a solution.

Urban poverty cannot be eradicated by just whining. Complaining will only makes things worst as self pity gets you nowhere and merely escalate the stress that you are having to a much more serious problem and consequently lead to mental illness such as severe depression and acute anxiety. Truth be told, doing such things will only overwhelm you with negative energies and engulf you with negative aura. Those who believed in the Law of Attraction would know that negative thinking and negative attitude could only attract negative people and situations continuously. Do keep in mind that good things can only be attracted by positive attitude.

To get out of urban poverty and improve personal finance, the first thing you need to do is stop complaining and stop making excuse for yourselves. True enough, middle class person could go nowhere by just doing their day job that pays peanuts. But one could actually go further and improve their financial situation if they make some effort to produce side income in order to cope with their struggles.

There are plenty of ways to generate more income and add extra figures to your savings account, but my favourite ought to be investment.

Investment is basically buying or creating an asset with the expectation of capital appreciation, dividends profit, interest earnings, rents, or some combination of these returns. Most forms of investment involve some form of risk, such as investment in equities, property, and even fixed interest securities which are subject, among other things, to inflation risk. But then again, done right, you could not only get out of urban poverty but improve your standard of living as well.

If you are interested to raise the standard of living and get out of urban poverty, you can consider making some investments. Not sure how? Fret not. There are plenty of financial consultants out there who are ready to help you and consult you on your financial needs. All you need to do is consult them and do some homework before you make the leap.

You can check out https://www.personal-loan.my/ should you want to make some investment to generate revenue. The site is dedicated to keep you updated on latest news and hacks in the financial world. The site is both web and mobile friendly and easy to navigate while the articles in the site are well-researched and insightful. It is written in easy to understand compositions and even a novice would be able to comprehend and benefit from the tips given in this site.

Once you browsed the site, you’ll discover that they have plenty of articles covering all things related to finance and economy. It is a great site to browse and study if you intend to invest in unit trust and property or even take personal loan for whatever reason.

I would like to believe that all of us live not to just work to pay bills but to accumulate wealth so that the next generation will have a better life and future than us. So, stop giving yourselves excuses and find problems in every solution and start considering to make a change in your life.

Put a stop to urban poverty. Help yourselves. Nobody can do that except yourselves. That said, I bid you best of luck in your financial endeavour, and may us all be blessed with a better future.