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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, …
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 …
You can renew via the MyOnline Passport app / Imigresen portal - do the application and payment online, then you either collect at the chose…
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…
We faced the exact same tug-of-war. My advice: don't say a flat 'we can't afford it', instead present your priorities and a plan. We showed …
KL to Kota Bharu is no joke, that's the East Coast run and the pitfalls are different from the North-South Highway. First, don't blindly tru…
From my experience, at 40 getting screened is a great move regardless of where. If you qualify for PeKa B40 (for eligible B40 aged 40 and ab…
Yes, true, this is exactly what SOCSO (PERKESO) covers under the Employment Injury Scheme, and it INCLUDES commuting accidents (going from h…
I have an ASB loan for about 8 years now, here is the honest picture. The concept works IF the ASB dividend consistently beats your loan int…
I've run a nasi lemak and mixed-rice stall for six years, so let me pop the goldmine myth gently. Yes the cash flow looks nice, a good break…
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 switched from a RM98 big-telco postpaid to a RM35 MVNO plan two years ago and saved over RM750 a year with almost no downside, but let me …
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…
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…
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…
What we do in my family, use both smartly. For the FIRST consultation and diagnosis where speed matters (to know what you are dealing with),…
Two kids, and I took a middle path both times which I recommend. The core idea behind confinement is REST and recovery, that part is legit a…
Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…
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 do both EPF top-up and ASB as a self-employed person and treat them differently. EPF voluntary contribution: I max out the amount that giv…
Kajang to city, the MRT is your friend, seriously consider park-and-ride. What worked for me on a similar route: drive to the nearest MRT/LR…
Honestly the "best" telco depends heavily on YOUR specific routes and where you stay, not a universal answer. Since you travel KL-Kuantan, c…
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
The trick is do your homework first. Check the range on JobStreet and Glassdoor for that role and your years of experience. When they ask, g…