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Cleared my RM38k PTPTN two years ago, so here's what I learned. First, PTPTN's interest (ujrah) is only 1% under the current scheme, which i…
Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
RM2800 to RM3200 for a fresh engineer in Klang Valley is unfortunately quite normal for local SME and consultancy. It's low, I know, but tha…
We used a registered home babysitter (taska) for the toddler years then moved to tadika at 4, and I think that combo is ideal. At 2 years ol…
I hit this exact wall two years ago, servicing a house in Semenyih and a car, feeling completely trapped and dreading work daily. What actua…
We faced the exact same tug-of-war. My advice: don't say a flat 'we can't afford it', instead present your priorities and a plan. We showed …
This is so common in Malaysian families and it hurts, because you want the people closest to you to get it. A few things I've learned. (1) Y…
I do both EPF top-up and ASB as a self-employed person and treat them differently. EPF voluntary contribution: I max out the amount that giv…
Panel clinic all the way for minor stuff lah - free with your medical card, fast, no long queue, and you get MC easily if you need to rest. …
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
I withdrew from Akaun 3 last September when my car aircon compressor died and needed RM1,800. The whole thing was done fully on the KWSP i-A…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
I've run a nasi lemak and mixed-rice stall for six years, so let me pop the goldmine myth gently. Yes the cash flow looks nice, a good break…
Yes you can pay in lieu of notice, this is very standard in Malaysia. Check your contract, usually it says either party can pay salary in li…
Staying in PR1MA Cyberjaya area for 3 years already. The price memang cheaper than market, thats the main plus. But be realistic ah - the 10…
Nego always can, worst case they say no, they wont withdraw for asking politely lah. When I got my first offer I emailed back: "Thank you fo…
Kajang to city, the MRT is your friend, seriously consider park-and-ride. What worked for me on a similar route: drive to the nearest MRT/LR…
Balik kampung veteran, been doing the long drive for over 15 years, so here are the survival tips that actually work. One, timing beats ever…
Did it last year for my apartment in Seri Kembangan lah. Go KWSP website, login i-Akaun, apply under "Pengeluaran Perumahan". You need the S…
Worked in healthcare for years, seen both systems up close, so here is a practical way to decide. Govt hospitals in Malaysia have genuinely …
Adopt don't shop, respect la for that. I got my two from SPCA Selangor in Ampang and also there's PAWS in Subang, both legit and the cats al…
I made the move to renting alone at a similar income and honestly it was one of the best decisions for my mental health, but let me give you…
I've done this and it can work if handled with tact, not arrogance. Instead of bragging 'I have two offers so hurry up', frame it around tim…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …
First, what you're feeling is real and you're not weak for it, burnout is a genuine health issue, not just being lazy. I hit the same wall t…