About Me

Hello and welcome to Ringgit oh Ringgit!


I’m Suraya, a Millennial Malaysian residing in Kuala Lumpur  Ipoh back in Klang Valley. I’m a writer-for-hire and dig personal finance. Like, a LOT.

The problem is that the Malaysian personal finance blog scene is pretty much nonexistent oklah got lah but very sikit and not appealing to me, a Millennial. So for the longest time, I read mostly American/Canadian/Australian personal finance blogs. I actually got pretty well versed with Roth IRA and TurboTax. But I wanted to read something that makes sense to me, a Malaysian!

Therefore this website. Ringgit oh Ringgit will chronicle my personal finance journey. From the saving, to the spending, to the investing, and the safeguarding. I am: more of a minimalist, less of a consumerist, a konon DIY enthusiast, let’s support small businesses over big corporations kinda girl.

My motto in personal finance is this – My money is finite and there’s no such thing as having it all.  Above all, I will prioritise my spending and choose to spend my money only on things that add value to my life. Do join my adventures (shameless plug: follow me on twitter at @surayaror!), and share your adventures, too!

Looking at the current economy, goodness knows we need to get our finance shit together. Might as well make it fun right. If you’re new to Ringgit Oh Ringgit, see my most popular articles here:


  1. Wow, it’s kinda rare for the girls with your age writing about stuff like these. Mostly they wrote about fashion! lol..Anyway, keep it up girl…And Selamat Hari Raya! 🙂

      1. Class reply 🙂

        If you’d like to discuss fixed income and financial markets drop me a line, keen to hear your thoughts on fintech.

  2. i love your blog and in my own way have been looking at personal finance — you’re way better than me and so i’m learning A LOT — please keep on writing, suraya!

  3. Hi Suraya.

    You have a very nice blog full of financial tips. Totally love it.

    Personally, I would like to start a blog too. I am currently doing research on different hosting site, but I realised that most of them are quite costly. Do you mind to share with me which hosting site you are using and the cost as well?

    Thanks in advance!

    1. Hey Liew,

      Thanks for the nice words, that’s kind of you.

      Re- hosting website – I touched a bit about it in my writeup on blog monetisation. I went with BlueHost, which is recommended for WordPress platform. The cost is also in the link.

      All the best and make sure to let me know when your website is up!

  4. Hi Suraya,

    I was searching for some blockchain/bitcoin related articles that were closer to home and somehow, I slipped into your blog. One post led to another, I hope you realised how sticky your postings are. Loved how well written (and well timed) they were and in your own words, hope you continue to write good sh*t. Better a good former than some meaningless vomit. ;-D

  5. Stumbled upon this amazing site whilst browsing through the net thinking about my 2017 new year’s resolutions. Awesome site, keep it up!

  6. found you very interesting to be writing about this topic especially now with everyone about make up and fashion and all that! haha! Gonna continue exploring now…

  7. I’m so glad I found your website! I’m a freelancer in Malaysia (millennial like you!) and I’ve recently discovered a terrible poverty in my own financial knowledge, especially when it comes to the Malaysian system. Thank God for blogs like these!

  8. I was searching for some bitcoin/altcoins related articles in Malaysia and stumble into your blog. It’s a very good write up. Btw, can u write in Malay? I’m looking for a writer!

  9. Hi Suraya,
    By accident I came upon your boog on finance.I find the articles interestin and stimulating.Avery good read.
    I was wondering whether you can haelp me with something.I have 50usd in a payza accoun.I would like to know the best totransfer the money fro Payza account to a banking account in Malaysia,and by the Paypal does not recognize Payza,so Icant transfer the money to Paypal.Have you any other alternatives.Your answers will be much appreciated

    1. Hi Radha,

      Thanks for swinging by. Unfortunately I don’t know much about Payza or how to cash it out here. Hope you’ll find your solution though.

  10. What a classy write up… stumble across while searching for bitcoins/blockchains…etc info. Btw, good luck with the braces. Can’t imagine celebrating raya without rendang.

  11. The Sharing of knowledge is full of goodness..
    Hopefully you.will be more successful, also always happy & Blessed with the abundant grace of ALLAH..

    1. Salam Rosly,
      Thank you for your prayers, much appreciated. Hopefully it’ll earn me a good spot in the afterlife, Insyaallah

  12. Dear Suraya
    Congrats for your profitable blog.
    Actually I am not Malaysian but I have been living there over 4 years for my study purposes. Now I have decided to come back to MLY and start my own business. I have many questions about investing conditions for foreigners. Now I want you give me a help and introduce me trusted persons who are give advises in the investing ways in the Malaysia market.
    – What kinds of investments are the most low-risk ?
    – How we can buy a franchise? …..
    thanks if you can help me

    1. Hi Reza,
      On your questions, I’m not the best person for this. I don’t know much about investing options for foreigners in Malaysia. Try out fixed deposits, if they accept. Those are safe.
      On franchises, check out the bookstore. I’ve seen magazines specifically for franchise options.
      All the best!

  13. Interesting! good to see more and more personal finance blog in Malaysia!
    Love the way how you put it all together in ringgitohringgit!
    Keep up the good work and hope to read more article from you!

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