personal finance in malaysia

I'm still new on using e-wallet, and recently someone close just apply for a touch n go card. I wanted to use the card to purchase something on my laptop. Can I use the Touch n go card like a normal debit card to purchase item by using the visa card detail without the app installed on my device?

But after doing some research into starting a Youtube channel, i think it will take up more time and investment into equipment for my liking. So, instead i will create a website that will cover all the same content i proposed. Here is the link: https://kopitiamfinance.com/ The Contents How to...

Hi, I'd like to seek advice on applying Islamic credit card: which bank will accept my application? About me: - been working full time for 3-4 years at one place, recently changed job to a new workplace on a contract employment (trying to be permanent after 6 months probation) - i've only...

Hi. Not sure if this is the right place to ask lol. So basically I have worked in a Chinese tech company based in KL recently and after few months, I got notified by HR that there are basically 2 job tier in the company i.e. A tier and B tier (I’m in Tier B). Due to the scope of my job (I’ve...

Suggested by @aud1 10 - 15 minute read For those who don't know, kiam siap is a Hokkien word for kedekut. In case you failed BM, kedekut means stingy. This thread is intended for interns and fresh grads out there. It is entirely based on my personal experience and you may disagree. I'm not...

Im at my end wits, I talk to my mom about this, she said there's "nothing to worry about and keep on studying" while my dad told me to find side income while studying. I will find one, probably be insurance agent or do 7eleven or starbuck. I have experience with basic wiring(i.e work as...

Plan : A-Lifelink-i Issue Date : July, 2019 Current Age : 32 Coverage Amount: a) A-lifelink-i : RM52k b) A-Plus Disability Care : RM52k c) A-Plus CriticalCare-i: RM52k d) Aplus Med-i : Annual medical limit balance : RM137,500 e) A plus medBooster-i : RM1.25 mil Monthly Payment: RM 325...

Hi, I’m 36M. I have a property valued by Maybank at RM500k and the outstanding amount with them is RM262k. I plan to consolidate all my loans i.e. property, car, personal loan under one property loan. The only constraint to restructure with Maybank is I’m a contract employee. Is there any...

TLDR version: Nett Income: RM11,400 p.m. Total Commitment: RM9,400 p.m. Cash Savings: RM2,000 p.m Planning to buy a SUV, which has been a long time dream, by this year. Monthly installment roughly around RM1.5K++ and it comes with 5 years free service. But concerned with the removal of fuel...

Hello Bros and Sis, I just recently got a spark in my brain that having retirement planning is very essential, and I need some advises here. My parents are reaching retirement age and they seem to be in a dilemma, wishing to retire, but financially not able to, while still worrying that they’ll...

Update: I have decided and currently am actively using these CCs: - Maybank Islamic Ikhwan American Express Platinum Card-i (8% CB on online AMEX purchases) - Maybank Islamic Petronas Ikhwan Visa Platinum Card-i (Max 8% CB for refueling in Petronas stations) - Maybank Shopee Visa Platinum...

Hi guys, requesting your opinion which loan I should proceed for bike loan? Context: I have been eyeing out MT-25 for my bike purchase. Shop applied both Aeon and Chilease? Both are approved with 5 years tenure. Which should I proceed for my loan? Aeon Higher rate but more established in...

Hello! New to the sub here. After going thru a lot of PF content from US and SG recently, nice to find a community here covering this topic catered to Malaysia environment. Bit of background on myself, 33 y/o but I've basically squandered my income for the past 9 years of working experience...

Hi All, first time posting here. Need your kind advice and guidance on my current financial position. ASB: 70k TH: 2k Crypto: 2k Salary: 5k/month My commitments; Car: 750/month (50k outstanding balance) Personal Financing: 900/month (60k outstanding balance) House: 900/month (200k...

I got a small sum of savings and while I'll be overseas for half a year to a year, I was curious on what can I do with the sum of savings that I got. At the moment I split some into recurring payments like Netflix, phone bills and the rest is to grow. I have about 5k or so to invest. I'm not...

As we have seen our currency’s decline over the last year +, I’m curious to see if anyone in the MalaysiaPF community has hedge their bets against the ringgit by investing in BTC and what their thoughts on the future outlook for this year. With the halving coming up in less than two months...

Hi all. Malaysian here. I was recently offered a remote role based in KL for a Singaporean startup/SME that has no legal entity/vehicle in Malaysia. On the contract, I am considered as an “independent contractor”, and this is my first foray going into freelancing/contracting work. Looking...

Hi, i am F. 30 y.o. I made bad financial decisions on my 20’s. I applied akpk for all my credit cards and personal loan. Roughly around 28k. Currently, i felt down because mostly my friend is already stable but i still live paycheck to paycheck. I wanted to sell my car but i have hire purchase...

Currently I am 29yr male. I have Diploma in CS. But after graduation. The place I lived didn't have any IT jobs. I love outskirts at that time I didn't have any transport too. After that I just took an accounts job. This was after lockdown. When I graduate 1 week after Malaysia have a lock down...

Hi, I'm new to the whole saving thing so this might be a stupid q. I just opened a ASBf with Maybank, can I have a normal ASB account without loan to do both simultaneously? Thank you!