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Personal

Innermost thoughts

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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My CFP Journey, Part 3: Certificate in Financial Planning CFP Modules 3 & 4
Personal

My CFP Journey, Part 3: Certificate in Financial Planning CFP Modules 3 & 4

I did it, I passed my CFP exams and ended my CFP journey! I have successfully completed all four…

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[Personal] Why Should I Save Money When The Future is So Uncertain?
Personal

[Personal] Why Should I Save Money When The Future is So Uncertain?

Why should I work hard to earn and save money for my future self, when I’m facing an uncertain…

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[PERSONAL] 6 Things I Learned in 6 Years of Being A Solopreneur
Personal

[PERSONAL] 6 Things I Learned in 6 Years of Being A Solopreneur

I’m a solopreneur. That’s just a fancy way of saying I’m self-employed, but I like the -preneur suffix: yes,…

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My 22 for 2022 List: Money, Work, Learning, Health, Relationship and Misc Projects Goals
Personal

My 22 for 2022 List: Money, Work, Learning, Health, Relationship and Misc Projects Goals

Even though I only achieved 9 of the 21 things in my 21 for 2021 List, doing it was…

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My CFP Journey, Part 2: What I Learned in CFP Malaysia Module 1 & 2
Personal

My CFP Journey, Part 2: What I Learned in CFP Malaysia Module 1 & 2

This is a continuation of the My CFP Journey, Part 1: Why, Where and How Much to Be A…

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[PERSONAL] Managing Finances as a Couple: 3 Things That Worked Well for Us!
Personal

[PERSONAL] Managing Finances as a Couple: 3 Things That Worked Well for Us!

Studies say you don’t necessarily need to be married to be happy, but in my case, sharing my life…

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[PERSONAL] This is My 10 Money Rules. Tell Me Yours
Personal

[PERSONAL] This is My 10 Money Rules. Tell Me Yours

Today’s post is inspired by one of my favourite personal finance thought leader, Ramit Sethi, who introduced me the…

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I Spent RM5,247.09 for My Malay Wedding (Checklist Kahwin Included)
Personal

I Spent RM5,247.09 for My Malay Wedding (Checklist Kahwin Included)

My checklist kahwin was perfect – I thought of everything. Then the pandemic and MCO happened so my Malay…

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My 21 for 2021 List: Money, Work, Learning, Health, Relationship and Misc Projects Goals
Personal

My 21 for 2021 List: Money, Work, Learning, Health, Relationship and Misc Projects Goals

Hi, my name is Suraya and I am addicted to self-improvement. That’s good and all, but it’s also making…

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[PERSONAL] 5 Thoughts I Have About Marriage (and Money Management)
Personal

[PERSONAL] 5 Thoughts I Have About Marriage (and Money Management)

I hated the idea of marriage. Not the love and commitment part. That part is amazing. The part I…

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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
    • Money Stories From Malaysians books
    • Financial Behaviour Test
  • Hire me!
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