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DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
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…
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 …
PTPTN charges a low 1% "upah urus" (admin/ujrah), not conventional interest, so the cost of holding it is very low compared to other debt. S…
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…
Depends on your salary. After the Employment Act amendment, employees earning up to RM4000 a month are entitled to OT pay (1.5x on normal da…
Go on weekdays if you can, ORRR long weekend but avoid it lah, it becomes a parking lot especially Brinchang town. Two routes: the Simpang P…
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…
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…
From my experience, unless your employment contract specifically guarantees a bonus (some state a contractual bonus or fixed 13th month), bo…
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…
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…
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…
Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …
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…
I spent 6 years in one of the big GLCs before jumping to a startup, so I can tell you both sides. The pay is not the highest but the total p…
I have an ASB loan for about 8 years now, here is the honest picture. The concept works IF the ASB dividend consistently beats your loan int…
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. …
STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
Financial planning is my job, so let me give you the framework, not just an opinion. First, compare interest rates. Credit card debt in Mala…
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…
I ran a small mamak-style kedai for 3 years in a working-class neighbourhood in Selangor, so let me answer both parts honestly. Why people l…
Worked in SG 4 years, commuting from JB first year then relocated. The money IS good - even after everything, I saved way more than my KL pe…
Rented rooms in KL for 5 years across 4 units, so learn from my kena. Standard deposit is usually 2 months rental plus half month utility de…
Don't panic la. My cousin also fail BM and he still study diploma in a private college, no problem one. But if you target IPTA or matrikulas…