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Cleared my PTPTN last year after 8 years, so I have lived the whole journey. First, don't feel ashamed, the vast majority of grads have it, …
PR1MA is decent for a first home IF the location works for your life, not so much as an investment. Two big things people forget: first, the…
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…
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…
STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
You can renew via the MyOnline Passport app / Imigresen portal - do the application and payment online, then you either collect at the chose…
Okay crash course. DRINKS: teh = tea with milk, teh o = tea no milk (o means kosong/no milk, just sugar), teh o ais limau = iced tea with li…
Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used…
From my experience, saver-spender couples can absolutely work, my husband and I are exactly that. The fights usually aren't about money itse…
Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prose…
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…
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…
Give a range, not a single number. I always say "Based on my research for this role and my 5 years experience, I am looking at RM5000 to RM5…
Tak lambat langsung. Ramai orang switch ke tech lepas 30 dan berjaya, termasuk kenalan i yang dulu cikgu sekarang backend developer. Realiti…
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 …
Yes you can pay in lieu of notice, this is very standard in Malaysia. Check your contract, usually it says either party can pay salary in li…
36 now, and here is what I would tell my 22-year-old self standing in Mid Valley about to swipe. One, lifestyle inflation is the silent kill…
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…
Eight months is workable but for popular dewan on peak weekends (school holidays, after Raya, 'good dates'), the best ones get booked a year…
Married two years ago, big-ish family affair, and here is the stuff I wish someone sat me down and said. One, the guest list drives absolute…
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…
From my experience, the mamak secret is mostly resting time and fat. The dough needs a high-fat coating (ghee or oil) and must rest for hour…
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…
Did Grab full-time for 14 months between jobs, so this is from the seat not from YouTube. Gross can look nice, on a good day I hit RM250-300…