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I withdrew from EPF for my first home downpayment and I dont regret it, but with a clear head about the tradeoff. EPF Account 2 is specifica…
First, what you're feeling is real and you're not weak for it, burnout is a genuine health issue, not just being lazy. I hit the same wall t…
Akaun 3 (Akaun Fleksibel) memang design untuk emergency, tapi jangan jadikan tabiat lah. I pernah keluar RM1,500 masa cash flow ketat, prose…
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…
Stay-home dad for 3 years now, wife is the breadwinner, and I will be honest about both the joy and the sting. The joy is real, I saw my kid…
Repayment officially starts 12 months after your studies end, whether you working or not, so don't wait for the perfect job. What I did: reg…
Owned a Myvi for five years as my first car on a similar salary, so here's the honest breakdown. The Myvi wins big on resale value, Perodua …
Aku commute JB-Singapore dah 3 tahun. Reality check: SGD3,000 tukar RM memang nampak besar (RM10k+), dan itu daya tarikan utama. TAPI kos hi…
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…
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 …
Career gap sebab jaga family tu bukan benda memalukan, dan interviewer yang matang faham. Cara handle: (1) Jujur tapi ringkas: I took time o…
What your landlord is asking is actually the Malaysian standard, so he's not cheating you, but everything is negotiable especially in the cu…
DSR (Debt Service Ratio) kira semua komitmen bulanan kau bahagi income. Walaupun gaji RM6k, kalau loan kereta RM800, PTPTN RM150, dan kad kr…
Totally doable and common, but manage a few things. (1) Check your employment contract, many have a clause about outside employment, conflic…
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…
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've been in a similar spot. My advice: take photos of both cars, the plates, and the scene immediately, exchange IC and phone numbers, then…
Kajang ke KL Sentral, honestly kalau boleh tahan sikit dengan KTM/MRT lagi jimat. Kira dulu: kereta baru installment RM800-1000, insurans RM…
HR here, sat in maybe 800+ interviews across KL and PJ. The mistakes that quietly kill you: One, being late and blaming traffic or LRT. Ever…
Aku kahwin bajet RM18k dan orang cakap meriah. Tips jimat: (1) Buat kat rumah atau dewan komuniti/surau yang murah, elak hotel. (2) Katering…
Two kids, and I took a middle path both times which I recommend. The core idea behind confinement is REST and recovery, that part is legit a…
I hit full burnout in 2022, couldn't get out of bed, and I carried the same guilt you're describing. Here's what I learned: mental health IS…
This is more common than people think, especially in SMEs. I only realised years later that my 'allowance-heavy' salary structure meant my E…
Coverage on the east coast really depends on your exact kampung, so general advice only goes so far. In my area near Kuantan, Maxis is actua…
Yes you should have your own, and I learned this the hard way. Company insurance sounds great UNTIL you leave the job, get retrenched, or re…