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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…
Switched from admin to data analyst at 34, so no, 32 is NOT too late lah. But be realistic with a family depending on you - dont quit your j…
KL to Kota Bharu is no joke, that's the East Coast run and the pitfalls are different from the North-South Highway. First, don't blindly tru…
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…
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…
I did the opposite, went from startup back to a GLC and I'm happier. The startup pay looked nicer on paper but the OT was unpaid and burnout…
I worked 6 years MNC then jumped to GLC, so I can compare lah. MNC learning curve very steep, you grow fast and the name looks power on resu…
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…
As a Malaysian Chinese girl, let me say her expectation is a bit much on the sibling part. Culturally you give ang pao to elders like her pa…
I ran a home-based food side hustle (frozen ready-to-eat and weekend pre-orders) alongside my 9-to-5 for about two years, and I also did a f…
For recurring symptoms like yours over two weeks, do get it properly checked rather than self-medicating with Gaviscon forever, because burn…
I ran a small mamak-style kedai for 3 years in a working-class neighbourhood in Selangor, so let me answer both parts honestly. Why people l…
I stay in a PR1MA in Selangor going 3 years now, sharing honest experience. Pros: I bought at below market price, and monthly instalment che…
I accepted a counter-offer in 2021, they bumped me from RM4,500 to RM6,000 on the spot. Six months later I realised the trust was gone, my m…
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…
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…
Been there, nearly quit without a backup plan which would have been dumb. What actually helped me survive while job hunting: over-communicat…
Since family not rich, cost should weigh heavily. Ranking roughly by cost: Matrikulasi (KPM) is basically free with allowance and a fast tra…
From my experience, do NOT sign anything on the spot under pressure. Forcing you to resign under threat can amount to 'constructive dismissa…
Actually the law changed and more people are covered now. Under the Employment Act (after the 2023 amendment), ALL employees are covered by …
Worked in Singapore for 6 years then chose to come back, so I have seen both the appeal and the reality. On paper the salary multiple looks …
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…
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…
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…
I switched from a RM98 big-telco postpaid to a RM35 MVNO plan two years ago and saved over RM750 a year with almost no downside, but let me …