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Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
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…
From my experience, never let a 'hinting' promotion hold you back. I stayed one extra year waiting for a promotion that my manager kept prom…
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…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
Good of you to care about your colleagues. The gold standard is the official JAKIM (or the state Islamic authority) halal certification, tha…
Did mine in KL recently, let me break it down honestly. The Chinese dinner banquet is the biggest chunk: hotel/restaurant tables run roughly…
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…
Got married 2 years ago, kept it under control and zero regret. Biggest lesson: the wedding is ONE day, your marriage is forever - dont star…
Discount PTPTN ni datang-datang, biasanya announce masa bajet atau sempena event tertentu, tak permanent. Dulu ada 10-15% untuk full settlem…
Did budget Langkawi a few times, here is the playbook. Flights: book early and go on weekdays, and set fare alerts, prices swing wildly. Alt…
From my experience with two kids, you're overthinking the 'starting line' pressure, that's marketing talk that stresses parents. At age 4, w…
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 …
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 duduk dengan mak mertua dah 5 tahun, so far okay sebab ada ground rules dari awal. Tips penting: (1) Set boundaries secara halus, contoh b…
I've been doing voluntary EPF top-ups of RM300-500 a month for about 5 years and I think it's worth it as one part of your mix, not your who…
Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the device, it lin…
Congrats on the results! I did STPM and here is the real talk. Matrikulasi is 1 year, easier syllabus, and CGPA generally higher which helps…
From my experience buying subsale, the earnest deposit (usually 2-3 percent, but sometimes a smaller booking fee) is governed by the letter/…
I switched from admin to QA testing at 33, so boleh lah. What I did: took a part time course malam malam, buat small projects for portfolio.…
Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
Jangan confront, tapi boleh minta feedback session. Ayat penting: bukan tanya kenapa dia dapat lebih (kau tak patut tau bonus orang lain, it…
I successfully disputed a saman before. First, check the details carefully on the MyEG or PDRM/JPJ portal, the location, time, and vehicle. …
Two kids, and I took a middle path both times which I recommend. The core idea behind confinement is REST and recovery, that part is legit a…
It's still worth it, but not the easy money it was a few years back, and the strategy has to be different now. Honest reality: (1) Selling g…