There is no doubt that driving a new car is a happy event in our life (if you aren’t happy you could give it to me) – until the 13th month where the car celebrates 1 year old and we still paying the same high installment from day 1. Cars in Malaysia are rather affordable…
This week’s post comes early as we are I am having a long holiday. I have read much about personal finance online that I automatically group them into the different school of thoughts and say to myself – you don’t need the next financial advice. So here what I learned about us. I may sound bias towards certain…
Global economy struggles to gain momentum but asset price are at or near all-time high. What does this means to us? PMI shows that the global economy is more or less on a plateau from 2010. In order to boost the economy, developed countries have pushed for ultra-low interest rate policy. The current rate of…
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…
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…
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…