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Author: Suraya

3 Things to Know Before Buying A House in Malaysia (Don’t Make A HUGE Mistake!)
Commentary

3 Things to Know Before Buying A House in Malaysia (Don’t Make A HUGE Mistake!)

Read this article until the end before buying a house in Malaysia. You will find out what you ACTUALLY…

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Budget Update: April 2024 – I Can’t Juggle
Suraya's Monthly Budget Update

Budget Update: April 2024 – I Can’t Juggle

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

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Budget Update: March 2024 – Should I Plan A Birthday Party?
Suraya's Monthly Budget Update

Budget Update: March 2024 – Should I Plan A Birthday Party?

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

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Explaining Every ETF You Can Invest and Trade on Bursa Malaysia [SPONSORED]
Investing

Explaining Every ETF You Can Invest and Trade on Bursa Malaysia [SPONSORED]

Let’s start this article with this fact: I *love* ETFs. Short for exchange-traded funds, I think it is one…

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How to Calculate Zakat in Malaysia: Zakat Fitrah, Zakat Pendapatan and more
Money Management

How to Calculate Zakat in Malaysia: Zakat Fitrah, Zakat Pendapatan and more

If you want to learn how to calculate zakat, you’ve come to the right place. I’ve been paying zakat…

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Budget Update: February 2024 – Extended Maternity Leave
Suraya's Monthly Budget Update

Budget Update: February 2024 – Extended Maternity Leave

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

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[2025 Updated] RM11k Invested, 4+ Years In: The Ultimate Wahed Invest Review
Investing

[2025 Updated] RM11k Invested, 4+ Years In: The Ultimate Wahed Invest Review

As per popular request, here is my long-due in-depth Wahed Invest review. Wahed Invest is a roboadvisor platform (the…

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I’m a Luno User since 2015. Here’s My Luno Malaysia Review
Investing

I’m a Luno User since 2015. Here’s My Luno Malaysia Review

This is my long-overdue Luno Malaysia review after being a long-time user. Let’s start this article with this little…

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We Spent RM30.3k to Perform Umrah: My Tabung Haji Travel Umrah Package Review & Guide
Travel

We Spent RM30.3k to Perform Umrah: My Tabung Haji Travel Umrah Package Review & Guide

In January 2024, I performed the umrah together with my family. We visited Masjid Al-Nabawi in Madinah, and Masjidil…

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Budget Update: January 2024 – No More Financial Anxiety
Suraya's Monthly Budget Update

Budget Update: January 2024 – No More Financial Anxiety

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

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Breakdown of My RM57k House Renovation + Makeover Guys Review
Shopping

Breakdown of My RM57k House Renovation + Makeover Guys Review

Just got the keys to your bare unit and now planning your own house renovation? No plans to move…

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Budget Update: December 2023 – 2023 Financial Recap
Suraya's Monthly Budget Update

Budget Update: December 2023 – 2023 Financial Recap

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

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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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  • Home
  • Learn
    • Money Management
    • Earning Money
    • Saving Money
    • Investing
    • Blogging
    • Crowd Wisdom
    • Shopping
  • Resources
    • Recommended personal finance websites in Malaysia
    • Link Roundup
    • Travel
  • Shop
    • How to Buy Your Own Damn Insurance course
    • Money Stories From Malaysians books
    • Bergaji & Pokai book
  • Hire me!
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