Loan rumah kena reject sebab DSR tinggi walaupun gaji okay. Macam mana baiki?
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
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DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
Got married 2 years ago, kept it under control and zero regret. Biggest lesson: the wedding is ONE day, your marriage is forever - dont star…
We chose the new township further out (Semenyih area) and it worked for us, but it's a lifestyle trade-off you must be honest about. We got …
From my experience taking in strays, the first step is a vet visit. Get it checked for fleas, worms, and basic health, plus a deworming and …
Commuted from JB to SG for years, so real talk. The money is genuinely life-changing because of the exchange rate, SGD earned and spent/save…
Kajang ke KL Sentral, honestly kalau boleh tahan sikit dengan KTM/MRT lagi jimat. Kira dulu: kereta baru installment RM800-1000, insurans RM…
I ran a Ramly burger and takoyaki stall at two pasar malam in Selangor for about a year and a half, so let me give you the real numbers. On …
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…
Married now, but dated plenty, here is my honest take. In Malaysia there is still a cultural lean towards the guy paying especially early on…
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, saver-spender couples can absolutely work, my husband and I are exactly that. The fights usually aren't about money itse…
Bought both ways in my life, so here is the honest math for a fresh grad. A new Myvi or Axia is popular for very good reasons: strong resale…
From my experience starting a home food biz, start simple and legal. Register a sole proprietorship with SSM, it's cheap (around RM30-60 a y…
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 …
I worked 6 years MNC then jumped to GLC, so I can compare lah. MNC learning curve very steep, you grow fast and the name looks power on resu…
Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…
Ugh, the credit thief, every Malaysian office has one. What worked for me without drama: start creating a paper trail. Send your analysis an…
Been through this twice, here's the actual flow when you're not at fault. First, at the scene, take photos of everything, both cars, positio…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
Boleh nego, dan jarang company tarik offer sebab kau tanya elok-elok. Yang penting cara. Cuba email/reply macam ni: thank you for the offer,…
Worked in Singapore for 6 years then chose to come back, so I have seen both the appeal and the reality. On paper the salary multiple looks …
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 …
Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…
KL to Kelantan Raya veteran here. The single biggest tip: leave at an odd hour, not when everyone else does. I leave around 2 to 4am the day…
Been there, corporate burnout is real even when it's "not clinical depression". First, please don't dismiss it, chronic exhaustion and zero …