This graph is adapted from IHS – they serve 80% of the Fortune 500 companies. This is the first time I see such an “honest” graph. Nearly 70% Malaysia household income falls under low-income class. Our society is not B40 or M40 – it should be B70-M20-T10. If you have the time and privileged to…
Birthday doesn’t mean much to me after 19, I kind of prefer to keep my age there. But I whenever I go to dining places like Black Market or BLVD house, every table seems to be celebrating birthdays. If you still find birthday exciting, mark your calendar with these free treats! Most of them are…
Shareholders benefit – the third metrics of investing. Investing in a company with good shareholder benefit could actually save you money. In the state, shareholder benefits are so good that it pays to buy the minimum lot and save thousands. There is discount purchase (ford car at staff price), premium gifts, cruise credits, even free…
If you have followed me for a while or sometime, you probably find that very often I break nearly every spending cum saving rules I set for myself. Just early of the year, I was against drinking coffee outside but now it’s part of my life. I even went all out to write a post…
Is getting into a relationship healthy for our finances? I thought so, at least for the ladies because they don’t need to pay for the meals. Right? Then I found out that two years had passed and my friend is still paying for her ex-credit card bills. I have naively thought that guys are more…
n 2015, there was 3 months that I overspend by about RM150 each (That’s 35USD). It wasn’t that I am not carefully tracking, nor did I spent on anything special during that particular months. It was just lack of sense of life purpose and I used spending to fill the void. When is the last…
Have you ever woke up one day and have an ‘ah ha” moment? I ‘woke’ up one day and realize that I have taken a very safe step in defining what personal finance is. And I have forgone the original intention I have in setting up this website – to deal with my own spending.…
Most people find it hard to stay motivated with good financial habits. Be it due to shopaholic syndrome, too much debt burden or they aren’t that interested about saving at the first place.For me, it was the inexistance of financial commitments that makes me splurge and suddenly, I have a credit card debt to clear.…
I always wonder, why do people crowd at Starbucks when you can get better coffee or much cheaper coffer else where. It feels like everyone’s so RICH except for the poor me. Turns out, it’s could be a wise place to hangout! Yes, a secret that everyone knows but me. How cheap? The cheapest way…
Most of us have heard about Shopback (if you haven’t, this link is affiliated with RM10 gift for you). The idea is they pay you back what the vendors pay the advertisers to bring you in an online shopping platform. While that sounds pretty cool, the system has in the past screw me up and so here…