Suraya’s Personal Finance
How I live my life to the fullest without being constrained by money.
Selamat Hari Raya! Please forgive my many, many mistakes so far ye tengkiu lapchu.
I’ve written a couple of blogposts about Raya so far, namely:
But I’ve never written a post-Raya spending post-mortem, so that’s what I’m going to do. 2017 was my first Raya where money wasn’t an issue, so I was curious how it compared to previous Raya spending experiences. This is what I spent on this year.
#1 – Baju Raya
I really like these fintech products, and not even sponsored to say this!
Fintech = finance + technology. You probably use some of them (like bank apps). What I’m about to do here is to give my own take of how these fintech products in Malaysia are personally helpful for me. I’ve divided them into: products that save money, products that help with money management, and investment-related products.
Fintech products that save money
Ho Chi Minh City (young people in Vietnam prefer to call it by its original name, Saigon) is a good place to head to for an under-RM1000 weekend trip. Why not longer? It’s a great city, but personally I can only handle the traffic noise in small doses. This was my third trip to Vietnam, but first to Saigon.
My 3 days 2 nights Saigon trip was cheap- just RM958. Even cheaper than my 3 days 2 nights Langkawi trip! Saigon is good for ballin’ on a budget 🙂 There are eight savings tips in this post.
The currency is Vietnamese Dong. RM1 is roughly 5,000VND. Can’t lie, holding a million Dongs in one hand made me chuckle.
Saigon Trip Overview
I truly believe that personal finance is beyond just simple, boring money. They show insight of who you are, as a person. They show what you decided were important enough to spend money on, and serves almost like a diary.
Well, this is my 2016 diary. It’s a bit nerve-wracking to show them, so be nice ya 🙂
Thoughts I’ve had while considering, purchasing, and getting insurance in Malaysia. The idea of this post came from several reader inquiries – how *does* one even start the process? How *do* you choose ‘the best insurance for you’?
Like many people around the world, I’m disappointed by Trump’s win in the U.S. elections. Personal reasons aside, what’s done is done. But as it stands, the ripple effect of Trump’s presidency will be felt worldwide, even for us Malaysians who literally live halfway across the world.
My personal opinion is that Trump’s selfish
America-first privileged white people-first economic plan won’t work, and even if it did, it would be to the expense of the rest of us global citizens. A group of 370 economists – including not one, but eight Nobel-prize winners think that his plan is crap, too.
Still. If we can’t change his plan, we can still plan around it, until a better U.S. president comes along. This is how I plan to manage my money during Trump presidency for the next four years. I divided this post into three aspects of money management: spending, investing and earning money.
After more than 10 years of being a die-hard prepaid advocate, I finally switched from prepaid to postpaid.
Here’s why (Hint: cheaper for me; proof provided)
Everyone has a wishlist of things they want. Here are some things that I’ve always wanted, but probably won’t buy during the #MyCyberSale this year. My delay gratification game is strong, y’all.
I talk about money and currency all the time – things that are valuable; that has value. Beauty has value as well, and this post is all about that.
Makeup and skincare are something I took up seriously early on, but never really mastered. I’m still navigating this world. Some women are really good at it, and I salute them. If you don’t, it’s worth trying – wearing makeup (or at least good at grooming) may help you to earn more money, according to this research. There is financial benefit in being more attractive, so why not? Worth noting: the effect is similar to men, albeit a smaller boost.
I have 5 general rules when it comes to beauty. It may help you, it may not, but this is what helps to make beauty affordable to me.