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Ran a gerai before, here's the real checklist. (1) Business registration with SSM, a sole proprietorship is cheap and fast to register onlin…
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
Honestly I would not raid EPF for a car even if there was a way. I did the maths once when tempted: my EPF was earning more in dividends tha…
First, what you're feeling is real and you're not weak for it, burnout is a genuine health issue, not just being lazy. I hit the same wall t…
Started at your exact age, here is what I wish someone told me. Step 1, before investing anything, build an emergency fund of 3-6 months exp…
Ya lor, classic Malaysian sales guy problem, I had the exact same thing. What actually helped me: I stopped eating anything within 3 hours o…
Take a breath, because as a confirmed employee earning below RM5,000 you're protected under the Employment Act 1955, and what they're doing …
Di Malaysia belum ada Residential Tenancy Act khusus lagi, jadi ia bergantung pada tenancy agreement kau. Baca balik kontrak: apa syarat pem…
The secret is patience and the onions. Real good sambal tumis needs you to caramelise a lot of sliced bawang besar (big onions) low and slow…
Rule of thumb i pakai: benda macam demam, selesema, batuk, sakit perut biasa, pergi klinik panel je sebab company cover dan cepat dapat MC. …
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…
Chinese-Indian couple here, married 7 years, two kids. It works beautifully but I wont lie, the first two years with the families were the h…
What we do in my family, use both smartly. For the FIRST consultation and diagnosis where speed matters (to know what you are dealing with),…
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 …
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…
Carry forward and encashment policy is largely up to the company, as long as they meet the legal minimum leave entitlement each year, they c…
Coverage on the east coast really depends on your exact kampung, so general advice only goes so far. In my area near Kuantan, Maxis is actua…
I did the opposite, went from startup back to a GLC and I'm happier. The startup pay looked nicer on paper but the OT was unpaid and burnout…
Since family not rich, cost should weigh heavily. Ranking roughly by cost: Matrikulasi (KPM) is basically free with allowance and a fast tra…
We sent both our kids to SJKC and neither my wife nor I are strong in Chinese, so I feel you completely. The first two years are the hardest…
I faced this as a new joiner too. What worked: I joined the team lunch once or twice a week to bond, and on other days brought my own food o…
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…
A few tricks that actually work for me. One, book WAY ahead, the cheapest seats are the first batch released, usually 3 to 6 months out, and…
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…