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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…
I withdrew from Akaun 3 last September when my car aircon compressor died and needed RM1,800. The whole thing was done fully on the KWSP i-A…
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…
For GLC I always go long sleeve formal shirt tuck in, dark slacks, leather shoes, and bring a tie in bag just in case. Full suit is fine for…
I've sat on interview panels at two GLCs and honestly the dress code matters less than people think, but you still want to signal you took i…
Mak dua orang anak di sini. Tantrum umur 3 tahun tu normal, otak dia belum boleh regulate emosi lagi. Yang orang pandang tu, ignore je, most…
Totally fair to ask, and no it's not rude if done right. I now always clarify the range early to avoid wasting time, exactly like you experi…
Financial planning is my job, so let me give you the framework, not just an opinion. First, compare interest rates. Credit card debt in Mala…
Cara check saman: (1) JPJ saman guna portal MyJPJ app atau website JPJ, masukkan no IC/no kenderaan. (2) PDRM/trafik saman check kat portal …
Cleared my RM38k PTPTN two years ago, so here's what I learned. First, PTPTN's interest (ujrah) is only 1% under the current scheme, which i…
What your landlord is asking is actually the Malaysian standard, so he's not cheating you, but everything is negotiable especially in the cu…
Cost is the practical barrier, so let me lay out the cheaper routes I've used. Befrienders is completely free and confidential, 24 hours, an…
From my experience renting in the Klang Valley, normal wear and tear should not be deducted, only actual damage you caused. Repainting after…
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…
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…
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…
Yes, you can withdraw from Account 2 (now called Akaun Sejahtera under the new three-account structure) for your first house down payment, a…
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 …
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…
Both are valid, depends on the child. My daughter did matrikulasi and my son did STPM, so I saw both. Matrikulasi is one year (some streams …
This is such a common Malaysian family struggle, three generations under one roof. What helped us: my WIFE (it was her mum) had to be the on…
So sweet that you want to adopt! I've rescued a few strays. Before bringing home: vet check is a must, especially ringworm which is a fungal…
Been there, nearly quit without a backup plan which would have been dumb. What actually helped me survive while job hunting: over-communicat…
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…
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 …