Everyday consumer spending problems?

Hi guys, I'm working on a UX research on malaysian everyday consumer spending / financial decisions to validate an app or in-app solution. Can you guys help answer my survey, it should only takes 3-5 mins. 

Here's the form in English:
https://forms.gle/4Hxcyjmmmu4xrzjQ7

Malay: https://forms.gle/gnjgBjoD8SEohyhg7