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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…
Because mamak is the only place in Malaysia where a Datuk in his Merc and a Grab rider can sit two tables apart, both order teh tarik and ro…
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…
Been running home food biz 3 years. Start small - dont invest big first, test demand with your neighbours and one office building. Licensing…
We used a registered home babysitter (taska) for the toddler years then moved to tadika at 4, and I think that combo is ideal. At 2 years ol…
I ran a Ramly burger and takoyaki stall at two pasar malam in Selangor for about a year and a half, so let me give you the real numbers. On …
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…
I travel to Terengganu often and honestly the best test is to buy a cheap prepaid SIM of the telco your kampung folks recommend and try it b…
Commuted from JB to SG for years, so real talk. The money is genuinely life-changing because of the exchange rate, SGD earned and spent/save…
Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …
Mak dua orang anak di sini. Tantrum umur 3 tahun tu normal, otak dia belum boleh regulate emosi lagi. Yang orang pandang tu, ignore je, most…
Aku commute JB-Singapore dah 3 tahun. Reality check: SGD3,000 tukar RM memang nampak besar (RM10k+), dan itu daya tarikan utama. TAPI kos hi…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…
Yes, true, this is exactly what SOCSO (PERKESO) covers under the Employment Injury Scheme, and it INCLUDES commuting accidents (going from h…
I chose to pay mine off early and here's my reasoning beyond pure math. Yes, PTPTN's interest is low and ASB might return more, so financial…
Bro I been through exact same thing. What saved my marriage was setting clear space boundaries BEFORE she moved in, not after. We agreed mak…
Repayment officially starts 12 months after your studies end, whether you working or not, so don't wait for the perfect job. What I did: reg…
Came back after 8 years, here's my honest reflection. The pay cut is real, don't sugarcoat it, headline salaries here are lower. But you mus…
Used four different telcos over the years across the Peninsula and East Malaysia, so here is the unglamorous truth: there is no single best …
For your budget and salary, both are solid choices since Perodua parts and service are the cheapest and most available in Malaysia, but let …
Nego always can, worst case they say no, they wont withdraw for asking politely lah. When I got my first offer I emailed back: "Thank you fo…
Relax, expired road tax is very common and renewing is straightforward. If it's expired less than a certain period and no other issues, you …
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…