Tony just received his checking account statement from his Bank. He has a checking account that pays 1.5% p.a. interest on the balance and requires a RM5,000 minimum balance. His statement shows that he currently has a balance of RM3,950. In looking at his statement, he noticed that his car payment check for RM400 is still outstanding and his recent payroll deposit of RM3,600 has not been posted yet. His normal living expenses average RM1,500 per month including his car payment. Other than his car loan, he rarely writes any checks. He pays his credit card balance in full every month. Other than his checking account he does not own any other investments. He has always dreamed of owning his own house and would like to buy a house within the next five years. As a financial planner, advise Tony on how he can improve his money management.