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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…

Depends 100% on your contract or company policy, there is no law forcing them to pay bonus if you are not employed on payout date. Most Mala…

Been through this twice, here's the actual flow when you're not at fault. First, at the scene, take photos of everything, both cars, positio…

From my experience flying KL to KK for festive season, the only real way to beat the crazy prices is to book very early, like 3-4 months ahe…

Quick clarity: nursery (taska) usually focuses on care and is for younger kids or full day, tadika is kindergarten with more structured lear…

I travel to Terengganu often and honestly the best test is to buy a cheap prepaid SIM of the telco your kampung folks recommend and try it b…

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…

Totally doable and common, but manage a few things. (1) Check your employment contract, many have a clause about outside employment, conflic…

If it is genuinely 0% with no hidden fees, and you have the discipline, installment is mathematically smarter, keep your cash working and pa…

Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …

Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…

What your landlord is asking is actually the Malaysian standard, so he's not cheating you, but everything is negotiable especially in the cu…

For heavy data, the honest answer is: coverage where YOU actually are matters more than the brand or the GB number on the ad. All the telcos…

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…

On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…

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…

KL to Kelantan Raya veteran here. The single biggest tip: leave at an odd hour, not when everyone else does. I leave around 2 to 4am the day…

Not cruel at all lah, cats actually adapt great to condo, in fact indoor cats safer and live longer (no cars, no fights, no disease from str…

What you describing is textbook burnout, and I been there badly in 2021. First, this is real, dont gaslight yourself into thinking you just …

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…

Commuted for over 4 years, so here is everything I wish I knew on day one. One, timing rules your entire life, and small differences are mas…

I ran a Ramly burger and takoyaki stall at two pasar malam in Selangor for about a year and a half, so let me give you the real numbers. On …

Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…

I did exactly this in 2021, left a QA engineer role at RM7k to join a SaaS company in Bangsar South as an account executive. First year my b…

RM30k is realistic if you prioritise and DIY smartly. What blew my budget almost was the little things adding up, so track every ringgit in …