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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…

I was retrenched after 7 years in 2023 so I learned this the hard way. If you're covered under the Employment Act, you're entitled to retren…

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…

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…

Went through this exact thing. First, gather your evidence: the tenancy agreement, your move-out photos/video showing clean condition (if yo…

Grew up basically living at mamak, and I think the magic is a perfect storm of things no cafe can ever copy. One, it is open exactly when yo…

You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…

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

Went from rejected to approved, here is what I fixed. First, pull your CCRIS and CTOS report (CCRIS free from BNM). Check for any late payme…

Klang Valley coverage most of the big ones okay lah, the difference shows more when you balik kampung. For heavy data under RM100, the Celco…

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…

Owned a Myvi for five years as my first car on a similar salary, so here's the honest breakdown. The Myvi wins big on resale value, Perodua …

I've been doing voluntary EPF top-ups of RM300-500 a month for about 5 years and I think it's worth it as one part of your mix, not your who…

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…

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 started exactly like you, selling frozen murtabak from home. Once it's a real ongoing business (not just occasional), you should register …

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

So sweet that you want to adopt! I've rescued a few strays. Before bringing home: vet check is a must, especially ringworm which is a fungal…

Technically, if you're carrying on a business in Malaysia, you're supposed to register with SSM, it's not really optional even for "small sm…

Bawah Employment Act (yang dah luaskan cover semua pekerja tak kira gaji sejak pindaan terkini untuk banyak provision), pekerja yang layak b…

Di Malaysia belum ada Residential Tenancy Act khusus lagi, jadi ia bergantung pada tenancy agreement kau. Baca balik kontrak: apa syarat pem…

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 …

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…

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…