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STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
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…
Honest career-advice angle: the interview is the easy part, surviving is the real thing. I did audit two years and the learning curve is ste…
Rule of thumb i pakai: benda macam demam, selesema, batuk, sakit perut biasa, pergi klinik panel je sebab company cover dan cepat dapat MC. …
Did KL-Penang LDR for 2 years, now married. It is doable but needs effort from both. What worked: (1) Have a shared END GOAL and timeline - …
As a Malaysian Chinese girl, let me say her expectation is a bit much on the sibling part. Culturally you give ang pao to elders like her pa…
From my experience renting in the Klang Valley, normal wear and tear should not be deducted, only actual damage you caused. Repainting after…
I did the JB-Singapore commute for three years. The money is real and it helped me support my family and save fast, thanks to the exchange r…
Did budget Langkawi a few times, here is the playbook. Flights: book early and go on weekdays, and set fare alerts, prices swing wildly. Alt…
Since family not rich, cost should weigh heavily. Ranking roughly by cost: Matrikulasi (KPM) is basically free with allowance and a fast tra…
Take the new job, don't stay. Classic mistake. Think about it: your boss only values you enough to pay properly AFTER you threatened to leav…
36 now, and here is what I would tell my 22-year-old self standing in Mid Valley about to swipe. One, lifestyle inflation is the silent kill…
For convenience, online wins easily, the small service charge (few ringgit) is worth not queuing at JPJ or Pos. Options: MyEG (delivers the …
Went through this exact thing lah, so painful. First, gather ALL your evidence: move-in photos, move-out photos, the tenancy agreement, and …
From my experience with two kids, you're overthinking the 'starting line' pressure, that's marketing talk that stresses parents. At age 4, w…
Tak lambat langsung. Ramai orang switch ke tech lepas 30 dan berjaya, termasuk kenalan i yang dulu cikgu sekarang backend developer. Realiti…
I successfully disputed a saman before. First, check the details carefully on the MyEG or PDRM/JPJ portal, the location, time, and vehicle. …
Statistically most people who accept counter-offers leave within a year anyway, and I was one of them. My company matched my salary but the …
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 bought a RM280k apartment in Semenyih at 26 using the Skim Rumah Pertamaku (My First Home) which let me take 100% loan with no downpayment…
From my experience, saver-spender couples can absolutely work, my husband and I are exactly that. The fights usually aren't about money itse…
Drive but go the Gua Musang route instead of the coastal highway if the jam report is bad, it's more winding but often much clearer during p…
I ran a home-based food side hustle (frozen ready-to-eat and weekend pre-orders) alongside my 9-to-5 for about two years, and I also did a f…
From my experience, that heavy sleepy feeling after nasi kandar is partly just the big carb-and-oil load, your body works hard to digest. Wh…
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…