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KL to Kota Bharu is no joke, that's the East Coast run and the pitfalls are different from the North-South Highway. First, don't blindly tru…
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…
I started exactly like you, selling frozen murtabak from home. Once it's a real ongoing business (not just occasional), you should register …
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
From my experience, do NOT sign anything on the spot under pressure. Forcing you to resign under threat can amount to 'constructive dismissa…
Bagus kau sedar umur 25, ramai sedar lagi lambat. Steps simple: (1) Track dulu ke mana duit kau lari sebulan, guna app atau tulis je. Biasan…
I switched from a RM98 big-telco postpaid to a RM35 MVNO plan two years ago and saved over RM750 a year with almost no downside, but let me …
Year 9 of a 30-year loan here, so I am living your question. The honest truth: for the first few years it does not feel like ownership, it f…
Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…
Career gap sebab jaga family tu bukan benda memalukan, dan interviewer yang matang faham. Cara handle: (1) Jujur tapi ringkas: I took time o…
RM30k is realistic if you prioritise and DIY smartly. What blew my budget almost was the little things adding up, so track every ringgit in …
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…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
Worked in healthcare for years, seen both systems up close, so here is a practical way to decide. Govt hospitals in Malaysia have genuinely …
Not marked up la, first year memang the most expensive because of the vaccine series. Standard puppy protocol here: the DHPPi core vaccines …
Went through this exact thing. First, gather your evidence: the tenancy agreement, your move-out photos/video showing clean condition (if yo…
Married now, but dated plenty, here is my honest take. In Malaysia there is still a cultural lean towards the guy paying especially early on…
I duduk PR1MA dekat area utara dah 4 tahun. Pros: harga entry rendah, dan ada moratorium 10 tahun so tak boleh jual awal, yang secara tak la…
Doing Shopee part time for 2 years, still keep my day job. Realistic expectations first: it is NOT fast money, first few months you might ea…
Yes, if you're carrying on a business (selling to make profit, even part time online), you're generally required to register with SSM, and r…
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
Don't feel malu, these scams are professionally run and even smart people get caught. Act fast, speed matters for any chance of recovery. St…
From my experience the golden rule is leave at odd hours. Departing around 3 to 5am has saved me many times, the kids sleep in the car and t…
I've been working in KL for a few years now, and I can tell you that the average bonus for a first-year employee is around RM3,000 to RM6,00…