In a special segment of Pantau Belanjawan 2023 on Astro Awani, Dr. Lalua delivered powerful insights on the state of financial literacy in our country. 

The host, requested assistance from Dr. Lalua that might help the people out there who are struggling to make ends meet. Thus, she stated:

1. It Starts With Intention

Dr. Lalua highlighted the Integrated Behaviour Model - a psychological theory that explains how intention plays a critical role in shaping behaviour.

It’s simply how to manage money. You must plan with purpose, understanding your income, limiting your desires, and staying committed - even when tempted by lifestyle trends and social media influence.

2. Teamwork in Financial Planning

In the real world, things go wrong - cars break down, children fall sick. That’s why Dr. Lalua emphasised that financial management isn’t the sole job of the head of the household. It’s a shared responsibility:

  • Communicate openly as a couple.

  • Do regular financial check-ins.

  • Make budgeting decisions together and know exactly where your money goes.

3. BNPL: A Double-Edged Sword

Buy Now, Pay Later (BNPL) is on the rise - but according to Dr. Lalua, it can be dangerous for those who haven’t built self-discipline.

BNPL is only beneficial when it’s used for essential or well-priced purchases, especially if you have a repayment plan in mind.

Without control, BNPL turns from a convenience into a long-term burden. 

4. Say No to Last-Minute Spending

One common habit Dr. Lalua discouraged is last-minute purchasing, a trap that leads to rushed decisions and inflated prices.

Her advice?

  • Start early when planning major purchases.

  • Wait and think before buying - many times, the urgency fades, or a better deal appears.

5. Raising Financially Smart Children

Money habits start at home. Dr. Lalua urged parents to give children the space to manage small budgets early on:

  • Let them plan purchases to teach them how to manage their budget.

  • Praise them when they stay within limits. Children love to be acknowledged, and the fact that they feel seen matters more to build financially smart kids.

  • Stay firm - discipline today builds wisdom tomorrow. If you’re going to be lenient every time, they will never learn the true intention of budgeting.

Children who understand value and boundaries grow into adults who manage money wisely.

6. Speak Up - Shame Is Not a Solution

Dr. Lalua reminded viewers that financial problems are nothing to be ashamed of. What matters is how we face them.

First, to solve your problem, you need to start with yourself. Stop being in denial and admit that you’re in a money crisis.

It will help your subconscious mind to be more alert to the issue. 

Second, find someone you trust the most, maybe your family or friends. Share your problem and later you’ll realise that having a listener brings such light on your burden. 

Thus, when they become aware of your situation, their action will be beneficial to you. 

And then, you can find advocates or a financial advisor for help. Because now that you’re aware of yourself, it will become easier for the outsider to lend a hand. 

Sometimes, the best way out is through vulnerability and honesty.

Dr. Lalua’s words were a wake-up call. Financial well-being isn’t a privilege - it’s a habit. It’s about awareness, teamwork, discipline, and intention.

As we move forward into another year of uncertain economics, let’s take her advice to heart. It’s time to start managing our money with clarity, compassion, and control.