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Aku ada full time job dan side income dari jual barang pre-order (dropship supplier lokal). Realistik tips: (1) Pilih benda yang leverage sk…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …
For serious or complex stuff, honestly govt hospital (HKL, UMMC, hospital besar) specialists are excellent, many are the top experts in the …
Do both if you can, they serve different purposes. i-Saraan (EPF self-contribution for those without a fixed employer) is great because you …
Cost is the practical barrier, so let me lay out the cheaper routes I've used. Befrienders is completely free and confidential, 24 hours, an…
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…
Switched from banking ops to data analyst at 33, now 37 and no regrets. Things I wish somebody told me: one, your age is not the problem, yo…
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…
From my experience, yes, you must declare all your income to LHDN, including freelance/side income, it's taxable regardless of your main job…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
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…
Survived on exactly RM3k in KL for two years, so real numbers for you. Room rental in a shared unit around Cheras or KL fringe: RM650-800. F…
Never give a single number, give a range and always anchor higher. I usually say something like "based on my research for this role and my e…
A few tricks that actually work for me. One, book WAY ahead, the cheapest seats are the first batch released, usually 3 to 6 months out, and…
Di Malaysia belum ada Residential Tenancy Act khusus lagi, jadi ia bergantung pada tenancy agreement kau. Baca balik kontrak: apa syarat pem…
Good that you avoiding runners, those unlicensed money changers can vanish with your money and it's illegal. Legit cheaper options I've used…
I sell skincare on both since 2023, and the honest truth is TikTok Shop can explode your sales but it eats your time and margin differently.…
I switched from admin to QA testing at 33, so boleh lah. What I did: took a part time course malam malam, buat small projects for portfolio.…
I felt exactly this way 6 years ago, so let me give you the long view. Fresh grad starting RM2800-3200 is normal for many non-technical fiel…
Doing Shopee part time for 2 years, still keep my day job. Realistic expectations first: it is NOT fast money, first few months you might ea…
Congrats. Budget really depends on scale, guest count and expectations, but let me give ranges from what I saw. A modest but nice wedding th…
Switched to RFID 2 years ago and no regret for daily commute. Pros: no more battery dying like SmartTAG, no need to point the device, it lin…
Helped my mak with this. Key things I learned: eligibility is based on household income and category (single, or households with kids), and …
I withdrew from EPF for my first home downpayment and I dont regret it, but with a clear head about the tradeoff. EPF Account 2 is specifica…
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…