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For the payment timing, the government announces each phase in the news and on the portal, usually spread across a few instalments through t…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
I've driven from KL to Penang during peak season many times, and I can tell you that the best route to take is the North-South Expressway, b…
Worked in SG for years, real talk. The maths only works if you're disciplined and ideally can save aggressively. Big factors: (1) The exchan…
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…
Two kids here, and my honest take after years - dont send just because others send. Thats kiasu trap. Standard 4 still young, if she doing o…
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
Worked in SG 4 years, commuting from JB first year then relocated. The money IS good - even after everything, I saved way more than my KL pe…
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…
From my experience, saver-spender couples can absolutely work, my husband and I are exactly that. The fights usually aren't about money itse…
From my experience, do NOT sign anything on the spot under pressure. Forcing you to resign under threat can amount to 'constructive dismissa…
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.…
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…
Good of you to care about your colleagues. The gold standard is the official JAKIM (or the state Islamic authority) halal certification, tha…
This is so common in Malaysian families and it hurts, because you want the people closest to you to get it. A few things I've learned. (1) Y…
Quick clarity: nursery (taska) usually focuses on care and is for younger kids or full day, tadika is kindergarten with more structured lear…
Dengar sini, SPM bukan penentu seluruh hidup kau. I kenal ramai orang yang SPM biasa-biasa je tapi sekarang berjaya. Options kau masih banya…
RM300 for taking on people management is honestly on the low side and you have every right to counter, but do it with data not emotion. Pull…
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 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…
Classic problem, here's how I broke it. (1) Create your own portfolio without waiting for clients, do 3-5 self-initiated projects, redesign …
Been there, nearly quit without a backup plan which would have been dumb. What actually helped me survive while job hunting: over-communicat…
Economist background here, let me give the unpopular but real answer. One, oversupply of degrees. We pushed everyone to get a degree, so a d…
Normal wear and tear is NOT your responsibility, repainting after a normal tenancy is generally the landlord's cost, not yours, unless you p…
Fresh working, tight budget, and asking about used continental, please, get the Myvi (or Axia/Bezza). Here's the reality nobody young wants …