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On RM3500, keep your car instalment under 15% ideally, so max around RM500-550/month including you must also budget petrol, toll, insurance,…
Discount PTPTN ni datang-datang, biasanya announce masa bajet atau sempena event tertentu, tak permanent. Dulu ada 10-15% untuk full settlem…
Bagus kau sedar umur 25, ramai sedar lagi lambat. Steps simple: (1) Track dulu ke mana duit kau lari sebulan, guna app atau tulis je. Biasan…
Panel clinic all the way for minor stuff lah - free with your medical card, fast, no long queue, and you get MC easily if you need to rest. …
This is more common than people think, especially in SMEs. I only realised years later that my 'allowance-heavy' salary structure meant my E…
First check your company policy: carry forward or forfeit? Many Malaysian companies allow carry forward of a few days, some pay out unused l…
Sorry you kena, been through it too. Key things to know: under the Employment (Termination and Lay-Off Benefits) Regulations, if you are cov…
The secret is patience and the onions. Real good sambal tumis needs you to caramelise a lot of sliced bawang besar (big onions) low and slow…
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…
Teacher for over a decade, and I will give you the balanced answer because both SPM is everything and SPM is useless are wrong. The truth: S…
It's still worth it, but not the easy money it was a few years back, and the strategy has to be different now. Honest reality: (1) Selling g…
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…
From my experience, do NOT sign anything on the spot under pressure. Forcing you to resign under threat can amount to 'constructive dismissa…
STR (formerly BR1M/BSH) is handled by LHDN (Inland Revenue). How it works: (1) Registration and updates are done through the official STR po…
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 …
Worked in healthcare for years, seen both systems up close, so here is a practical way to decide. Govt hospitals in Malaysia have genuinely …
Used four different telcos over the years across the Peninsula and East Malaysia, so here is the unglamorous truth: there is no single best …
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…
Mamak tu institusi sosial Malaysia bro haha. Appeal dia: buka lewat (kadang 24 jam), murah (teh tarik RM2-3, roti canai RM1.50-2), dan tak a…
I bought an X50 for my family 2 years ago and overall happy, but let me be real about the trade-offs. The SUV height and boot space is great…
Untuk Shah Alam coverage okay je majority telco. Aku guna prepaid unlimited (ada beberapa telco offer unlimited data around RM35-50 sebulan …
Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…
Helped my parents and a few neighbours apply, so here is the plain-language version. STR, Sumbangan Tunai Rahmah, is the cash aid that repla…
Start now, seriously, time is your biggest advantage with a newborn, you have 18 years of compounding. My approach for my two kids, a layere…
I successfully disputed a saman before. First, check the details carefully on the MyEG or PDRM/JPJ portal, the location, time, and vehicle. …