Groceries or food expenses have always been my worst friend in spending. Now that I cook more and sometimes prep meal for my housemate, savings in groceries becomes so much more important. I have here ten useful ways to save costs that are working for me and not much about … Read more
An emergency fund is for financial disaster. In 2018, 75% of Malaysians said it was a challenge to raise RM1,000 cash in the event of an emergency. The now optional 6-month loan moratorium in Malaysia could be one chance to build up a cash flow reserve, and I’ll show … Read more
If you are new to managing your personal finance, reviewing your expenses and cut your life cost is always the first step. Here are more than 60 saving tips for anyone to consider.
Housing
– Decide to rent or own. | While the most common belief is to own a … Read more
Think about the last time you score a financial win. What was the key that made it possible? Was it a sale, a clearance? A downgrade of your standard? Or your perspective shifted?
For the longest time, I had to choose between a cup of RM13 artisan coffee or an … Read more
I do not like the budget. Let me say that again, I don’t do well with the budget. Every time I plan, I burn it when an event or a deal comes up. I never overspend, so perhaps I do not need a budget yet.
But in my 20’s, a … Read more
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