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I withdrew from EPF for my first home downpayment and I dont regret it, but with a clear head about the tradeoff. EPF Account 2 is specifica…
Remember EPF is your retirement lah, once you take out for house it's gone from the compounding. A lot of Malaysians reach 55 with pathetic …
My wife and I are a mixed couple, together 9 years now married with a kid, so we survived the whole journey. The honest truth is the introdu…
Boleh nego, dan jarang company tarik offer sebab kau tanya elok-elok. Yang penting cara. Cuba email/reply macam ni: thank you for the offer,…
We chose the new township further out (Semenyih area) and it worked for us, but it's a lifestyle trade-off you must be honest about. We got …
We have 3 kids and drove to Kelantan for years before finally trying to fly, so I can compare. Driving during Raya balik kampung peak is bru…
We sent both our kids to SJKC and neither my wife nor I are strong in Chinese, so I feel you completely. The first two years are the hardest…
Been on both sides of this. I once resigned with nothing lined up because my mental health was in the drain, and honestly it saved me. But I…
From my experience flying KL to KK for festive season, the only real way to beat the crazy prices is to book very early, like 3-4 months ahe…
Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…
The trick is do your homework first. Check the range on JobStreet and Glassdoor for that role and your years of experience. When they ask, g…
Did the JB to Singapore daily commute for almost 3 years, so let me paint the real picture, not the earn SGD spend RM fantasy. The money sid…
I've driven from KL to Penang during peak season many times, and I can tell you that the best route to take is the North-South Expressway, b…
Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
RFID failing is usually one of a few fixable things. First, check your TNG eWallet balance and that auto reload (GO+ or reload) is on, most …
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…
Yes, true, this is exactly what SOCSO (PERKESO) covers under the Employment Injury Scheme, and it INCLUDES commuting accidents (going from h…
Hired one for our first, and honestly it was worth every sen FOR US. Here is the real value: newborn sleep is brutal, both parents zombie, a…
From my experience, saver-spender couples can absolutely work, my husband and I are exactly that. The fights usually aren't about money itse…
I accepted a counteroffer once and regret until today. They matched my gaji but the trust already broken, boss slowly sidelined me and I was…
Grew up basically living at mamak, and I think the magic is a perfect storm of things no cafe can ever copy. One, it is open exactly when yo…
I withdrew a bit from Akaun Fleksibel last year to clear a high-interest credit card debt, and honestly for THAT purpose it made sense becau…
Under the Employment Act (now covers all employees), overtime on a normal working day must be paid at 1.5x your hourly rate, rest day and pu…
First thing, actually read your tenancy agreement, not what the landlord says verbally. If there's a no-pets clause and you signed it, techn…
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…