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I've bought three used cars, two from dealers and one direct owner, so here's my honest breakdown. Direct owner is usually RM3,000-6,000 che…
I joined a GLC in 2020 after going through their process, and yes it is slower and more formal than private sector, prepare for that mentall…
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…
This is such a common Malaysian family struggle, three generations under one roof. What helped us: my WIFE (it was her mum) had to be the on…
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…
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, …
RM300 for taking on people management is honestly on the low side and you have every right to counter, but do it with data not emotion. Pull…
I sell skincare on both since 2023, and the honest truth is TikTok Shop can explode your sales but it eats your time and margin differently.…
Went through this exact thing. First, gather your evidence: the tenancy agreement, your move-out photos/video showing clean condition (if yo…
From my experience starting a home food biz, start simple and legal. Register a sole proprietorship with SSM, it's cheap (around RM30-60 a y…
Stay-home dad for 3 years now, wife is the breadwinner, and I will be honest about both the joy and the sting. The joy is real, I saw my kid…
STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
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…
I did this last year and got a RM1,800 raise to stay, so it can work, but the way you frame it is everything. I never said give me more mone…
Under the Employment (Termination and Lay-Off Benefits) Regulations, the MINIMUM is: less than 2 years service = 10 days per year, 2 to 5 ye…
Five cats over the years, mostly rescues, so here is the stuff the cute Instagram posts don't show. One, budget for vet bills, this is the b…
Fresh working, tight budget, and asking about used continental, please, get the Myvi (or Axia/Bezza). Here's the reality nobody young wants …
I withdrew from Akaun 3 last September when my car aircon compressor died and needed RM1,800. The whole thing was done fully on the KWSP i-A…
Depends who issued it: PDRM/JPJ traffic summons vs local council (MBPJ, DBKL etc) parking compound are different systems. For a genuinely un…
Don't be discouraged, one no-reply doesn't mean your number killed it, sometimes they just filled the post. When I was fresh grad I learned …
Ran a gerai before, here's the real checklist. (1) Business registration with SSM, a sole proprietorship is cheap and fast to register onlin…
Been there, I had a 14-month gap after my confinement plus caring for my newborn. What worked for me was being honest but brief: 'I took tim…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
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…
Start now, seriously, time is your biggest advantage with a newborn, you have 18 years of compounding. My approach for my two kids, a layere…