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Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
Survived on exactly RM3k in KL for two years, so real numbers for you. Room rental in a shared unit around Cheras or KL fringe: RM650-800. F…
From my experience, presentation anxiety is super common and very manageable with practice. What worked for me: over-prepare and rehearse ou…
Statistically most people who accept counter-offers leave within a year anyway, and I was one of them. My company matched my salary but the …
As a Malaysian Chinese girl, let me say her expectation is a bit much on the sibling part. Culturally you give ang pao to elders like her pa…
Cleared my PTPTN last year after 8 years, so I have lived the whole journey. First, don't feel ashamed, the vast majority of grads have it, …
Two separate permissions matter here: your LANDLORD and the condo MANAGEMENT (house rules). Even if management technically bans pets in the …
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 …
Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…
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…
I went through this exact situation two years ago on a tight budget, so please hear me. The most affordable proper route is the government h…
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…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
I've been in a similar spot. My advice: take photos of both cars, the plates, and the scene immediately, exchange IC and phone numbers, then…
Helped my parents and a few neighbours apply, so here is the plain-language version. STR, Sumbangan Tunai Rahmah, is the cash aid that repla…
PR1MA is decent for a first home IF the location works for your life, not so much as an investment. Two big things people forget: first, the…
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…
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…
Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…
From my experience starting a home food biz, start simple and legal. Register a sole proprietorship with SSM, it's cheap (around RM30-60 a y…
This is such a common Malaysian family struggle, three generations under one roof. What helped us: my WIFE (it was her mum) had to be the on…
I ran a home-based food side hustle (frozen ready-to-eat and weekend pre-orders) alongside my 9-to-5 for about two years, and I also did a f…
I dah rescue 3 ekor kucing jalanan. Steps: (1) Bawa vet dulu untuk full check, buang kutu dan cacing (deworming), sekitar RM50-100. (2) Vaks…
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 (Termination and Lay-Off Benefits) Regulations, the MINIMUM is: less than 2 years service = 10 days per year, 2 to 5 ye…