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PTPTN charges a low 1% "upah urus" (admin/ujrah), not conventional interest, so the cost of holding it is very low compared to other debt. S…
Ran a Shopee side hustle for 2 years while holding a full-time job, and eventually it out-earned my salary, so real talk. Yes it is realisti…
Take a breath, because as a confirmed employee earning below RM5,000 you're protected under the Employment Act 1955, and what they're doing …
You're right to check, because most Malaysian car loans are hire purchase with flat rate interest, and the total interest is calculated upfr…
I withdrew about RM38,000 from Account 2 in 2019 for my house in Kajang and honestly I don't regret it, but here are the real lessons. First…
Staying in PR1MA Cyberjaya area for 3 years already. The price memang cheaper than market, thats the main plus. But be realistic ah - the 10…
Went from rejected to approved, here is what I fixed. First, pull your CCRIS and CTOS report (CCRIS free from BNM). Check for any late payme…
I've commuted from JB to Singapore for 4 years, so let me be honest. The SGD salary converted to RM is life-changing, no doubt, my savings g…
Kajang ke KL Sentral, honestly kalau boleh tahan sikit dengan KTM/MRT lagi jimat. Kira dulu: kereta baru installment RM800-1000, insurans RM…
I've run a nasi lemak and mixed-rice stall for six years, so let me pop the goldmine myth gently. Yes the cash flow looks nice, a good break…
What you describing is textbook burnout, and I been there badly in 2021. First, this is real, dont gaslight yourself into thinking you just …
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…
I dah rescue 3 ekor kucing jalanan. Steps: (1) Bawa vet dulu untuk full check, buang kutu dan cacing (deworming), sekitar RM50-100. (2) Vaks…
Kami lalui debat sama. Sekolah kebangsaan (SK) + agama petang (KAFA/sekolah agama rakyat petang): pros ialah anak dapat kurikulum akademik p…
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…
I bought a RM280k apartment in Semenyih at 26 using the Skim Rumah Pertamaku (My First Home) which let me take 100% loan with no downpayment…
MNP in Malaysia is actually pretty smooth these days and by regulation it's supposed to complete within one working day, though in practice …
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…
Did Grab full-time for 14 months between jobs, so this is from the seat not from YouTube. Gross can look nice, on a good day I hit RM250-300…
I was in your exact position and staying too long was my mistake. The market often rewards movers, I got a manager title only after switchin…
Apa yang kau describe (cemas pagi, dada berat, hilang minat, tidur terganggu) memang classic tanda burnout atau kemungkinan anxiety. Ini buk…
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…
Not cruel at all lah, cats actually adapt great to condo, in fact indoor cats safer and live longer (no cars, no fights, no disease from str…
Did mine in KL recently, let me break it down honestly. The Chinese dinner banquet is the biggest chunk: hotel/restaurant tables run roughly…
I joined a GLC in 2020 after going through their process, and yes it is slower and more formal than private sector, prepare for that mentall…