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Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
Totally fair to ask, and no it's not rude if done right. I now always clarify the range early to avoid wasting time, exactly like you experi…
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
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…
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…
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…
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),…
Cara check saman: (1) JPJ saman guna portal MyJPJ app atau website JPJ, masukkan no IC/no kenderaan. (2) PDRM/trafik saman check kat portal …
Did it last year for my apartment in Seri Kembangan lah. Go KWSP website, login i-Akaun, apply under "Pengeluaran Perumahan". You need the S…
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…
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…
I withdrew a bit from Akaun Fleksibel last year to clear a high-interest credit card debt, and honestly for THAT purpose it made sense becau…
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've sat on interview panels at two GLCs and honestly the dress code matters less than people think, but you still want to signal you took i…
Fresh working, tight budget, and asking about used continental, please, get the Myvi (or Axia/Bezza). Here's the reality nobody young wants …
Been on both sides of this. I once resigned with nothing lined up because my mental health was in the drain, and honestly it saved me. But I…
Repayment officially starts 12 months after your studies end, whether you working or not, so don't wait for the perfect job. What I did: reg…
Apa yang kau describe (cemas pagi, dada berat, hilang minat, tidur terganggu) memang classic tanda burnout atau kemungkinan anxiety. Ini buk…
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…
Chinese-Indian couple here, married 7 years, two kids. It works beautifully but I wont lie, the first two years with the families were the h…
Eight months is workable but for popular dewan on peak weekends (school holidays, after Raya, 'good dates'), the best ones get booked a year…
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
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…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…