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Cleared my PTPTN last year after 8 years, so I have lived the whole journey. First, don't feel ashamed, the vast majority of grads have it, …
I bought a used sedan as my first car and regretted the surprise repair bills, aircond, suspension, small things that added up. For a first …
From my experience, the mamak secret is mostly resting time and fat. The dough needs a high-fat coating (ghee or oil) and must rest for hour…
From my experience, saver-spender couples can absolutely work, my husband and I are exactly that. The fights usually aren't about money itse…
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…
I do both EPF top-up and ASB as a self-employed person and treat them differently. EPF voluntary contribution: I max out the amount that giv…
From my experience the golden rule is leave at odd hours. Departing around 3 to 5am has saved me many times, the kids sleep in the car and t…
RM30k is realistic if you prioritise and DIY smartly. What blew my budget almost was the little things adding up, so track every ringgit in …
Did the JB to Singapore daily commute for almost 3 years, so let me paint the real picture, not the earn SGD spend RM fantasy. The money sid…
As a fellow foodie, IF worked for me because it doesn't tell you WHAT to eat, just WHEN, which suits our food culture better than restrictiv…
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…
Don't feel malu, these scams are professionally run and even smart people get caught. Act fast, speed matters for any chance of recovery. St…
Carry forward and encashment policy is largely up to the company, as long as they meet the legal minimum leave entitlement each year, they c…
First thing, actually read your tenancy agreement, not what the landlord says verbally. If there's a no-pets clause and you signed it, techn…
我一進入面試室，我就開始自我介紹，我說，我叫陳先生，我是來面試軟體工程助理的位置。面試官問我一些問題，我一一回答，包括我的工作經歷、教育背景，以及我的專業技能。面試過程中，我沒有遇到太大的困難，我覺得很順暢。最後，面試官問我，還有什麼問題想問我。這時，我問了他們公司的文化，以及工…
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,…
After 15 years of balik kampung to Penang, my golden rule is to leave at odd hours, either 4am or after 10pm, never in the afternoon when ev…
Do the comparison properly. PTPTN charges a relatively low "ujrah" (around 1 percent, much lower than commercial loans), and they periodical…
My father did his gallbladder surgery at a government hospital (HKL) and my aunt did the same privately, so I've seen both up close. Governm…
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.…
我會比較不同的品牌的手機價格和配置，選擇最好的價值。例如，我會比較 Apple、Samsung 和 Huawei的手機價格和功能，然後選擇最適合我的手機。通常，我會考慮手機的實際應用，而不是品牌的聲譽。
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…
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…
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…
My wife and I are a mixed couple, together 9 years now married with a kid, so we survived the whole journey. The honest truth is the introdu…