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Since family not rich, cost should weigh heavily. Ranking roughly by cost: Matrikulasi (KPM) is basically free with allowance and a fast tra…
For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…
Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…
Been running home food biz 3 years. Start small - dont invest big first, test demand with your neighbours and one office building. Licensing…
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…
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
Ugh, the credit thief, every Malaysian office has one. What worked for me without drama: start creating a paper trail. Send your analysis an…
Yes it's absolutely worth it, and honestly the process is much easier now than people assume, mostly online. STR (formerly BKM/BSH) for a B4…
Hit full burnout in my early 30s in a KL corporate role, the kind where I would cry in the car before forcing myself to go up. So this is fr…
Aku buka gerai breakfast dah 2 tahun. Modal start realistik: gerai/khemah dan meja RM1,500-3,000, peralatan masak dan periuk besar RM1,000-2…
Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
Di Malaysia belum ada Residential Tenancy Act khusus lagi, jadi ia bergantung pada tenancy agreement kau. Baca balik kontrak: apa syarat pem…
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…
The secret isn't just timing, it's picking a busy mamak. A packed stall means high turnover so nothing sits around long. My regular spot in …
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
Haha the classic mamak struggle. What works for my gang: one 'captain' collects everyone's order and relays it in one clean go, grouped by d…
Do both if you can, they serve different purposes. i-Saraan (EPF self-contribution for those without a fixed employer) is great because 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…
From my experience taking in strays, the first step is a vet visit. Get it checked for fleas, worms, and basic health, plus a deworming and …
From my experience, saver-spender couples can absolutely work, my husband and I are exactly that. The fights usually aren't about money itse…
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
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…
Yes, this is exactly what SOCSO (PERKESO) covers, it's called a commuting accident under the Employment Injury Scheme, an accident during th…
Bagus kau sedar umur 25, ramai sedar lagi lambat. Steps simple: (1) Track dulu ke mana duit kau lari sebulan, guna app atau tulis je. Biasan…
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…