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5 Downsides of Being Too Frugal
Personal

5 Downsides of Being Too Frugal

Living with frugality mindset (without being cheap) is something I’ve consciously tried to do for many years now, but…

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[Personal] My Investment Portfolio is Down 60% :)
Personal

[Personal] My Investment Portfolio is Down 60% :)

The value of my investment portfolio was at its highest in October 2021, during the peak of the bull…

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These 18 Shariah-Compliant Investments in Malaysia Helps You Do Halal Investing
Investing

These 18 Shariah-Compliant Investments in Malaysia Helps You Do Halal Investing

I’m a big fan of halal investing. I love the underlying values behind it, like how usury (interest) or…

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Link Roundup #99: 10 Things To Know This Week
Uncategorized

Link Roundup #99: 10 Things To Know This Week

Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise…

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My Own List of 10 Expensive But Worth It Purchases
Shopping

My Own List of 10 Expensive But Worth It Purchases

I consider myself a fairly frugal person. Sometimes, people think frugal means ‘don’t spend at all’. That’s not true…

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Is Budgeting a Waste of Time? Of Course Not, But Why Do Experts Say It Is?
Commentary

Is Budgeting a Waste of Time? Of Course Not, But Why Do Experts Say It Is?

Is budgeting a waste of time? When I first came across this question, I thought pfft, of course not,…

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Budget Update: May 2022 – Awesome Month
Suraya's Monthly Budget Update

Budget Update: May 2022 – Awesome Month

Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share…

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Link Roundup #98: 10 Things To Know This Week
Link Roundup

Link Roundup #98: 10 Things To Know This Week

Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise…

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Comparing Credit Reports in Malaysia: Experian Credit Report vs CTOS Credit Report
Money Management

Comparing Credit Reports in Malaysia: Experian Credit Report vs CTOS Credit Report

I’ve always wondered what’s the difference between different credit reports in Malaysia, so I got both Experian credit report…

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How I Earn Money from Home as a Malaysian Blogger
Blogging

How I Earn Money from Home as a Malaysian Blogger

Blogging is not the only way to earn money from home in Malaysia, nor is it the easiest, nor…

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Dreaming of the Van Life in Malaysia [Frugal Fantasy Series #1]
Commentary

Dreaming of the Van Life in Malaysia [Frugal Fantasy Series #1]

Welcome to the first of my Frugal Fantasy series, where I write about alternative frugal lifestyles that I’ve fantasised…

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49 Ways I’ve Tried to Save Money in Malaysia, From Easy to Impossible
Saving Money

49 Ways I’ve Tried to Save Money in Malaysia, From Easy to Impossible

How do you save money in Malaysia? What works? What doesn’t? I thought it would be fun to show…

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Hi and Welcome to Ringgit Oh Ringgit!

I'm Suraya, the blogger behind RinggitOhRinggit.com and a Writer, Speaker & Digital Marketer for hire. I am OBSESSED with optimising my personal finance without sacrificing quality of life.

Join me in learning how to (1) earn, save and invest aggressively, (2) live minimally and frugally, and (3) spend money on experiences instead of things.

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Ringgit Oh Ringgit
  • Home
  • Learn
    • Money Management
    • Earning Money
    • Saving Money
    • Investing
    • Blogging
    • Crowd Wisdom
    • Shopping
  • Resources
    • Recommended personal finance websites in Malaysia
    • Link Roundup
    • Travel
  • Shop
    • Money Stories From Malaysians books
    • Financial Behaviour Test
  • Hire me!
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