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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…
Discount PTPTN ni datang-datang, biasanya announce masa bajet atau sempena event tertentu, tak permanent. Dulu ada 10-15% untuk full settlem…
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…
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 withdrew about RM38,000 from Account 2 in 2019 for my house in Kajang and honestly I don't regret it, but here are the real lessons. First…
Cost is the practical barrier, so let me lay out the cheaper routes I've used. Befrienders is completely free and confidential, 24 hours, an…
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…
Been there, corporate burnout is real even when it's "not clinical depression". First, please don't dismiss it, chronic exhaustion and zero …
Yes, true, this is exactly what SOCSO (PERKESO) covers under the Employment Injury Scheme, and it INCLUDES commuting accidents (going from h…
Cara check saman: (1) JPJ saman guna portal MyJPJ app atau website JPJ, masukkan no IC/no kenderaan. (2) PDRM/trafik saman check kat portal …
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…
I hit this exact wall two years ago, servicing a house in Semenyih and a car, feeling completely trapped and dreading work daily. What actua…
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…
Did KL-Penang LDR for 2 years, now married. It is doable but needs effort from both. What worked: (1) Have a shared END GOAL and timeline - …
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…
Yes, this is exactly what SOCSO (PERKESO) covers, it's called a commuting accident under the Employment Injury Scheme, an accident during th…
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…
Hired one for our first, and honestly it was worth every sen FOR US. Here is the real value: newborn sleep is brutal, both parents zombie, a…
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…
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…
I hit full burnout in 2022, couldn't get out of bed, and I carried the same guilt you're describing. Here's what I learned: mental health IS…
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…
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…
Bro, I was in the exact same spot 3 years ago. What I learned: avoiding the conversation is worse than having it. Your GF probably senses yo…