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7 Things to Do Before You Quit Your Job to Become A Freelancer/Self-Employed
Earning Money

7 Things to Do Before You Quit Your Job to Become A Freelancer/Self-Employed

Nowadays, opportunities to make money online are much more abundant than ever. It is not uncommon for someone to…

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Why ‘Invest in Yourself’ Advice Sucks… Even Though They’re Right Ugh
Earning Money

Why ‘Invest in Yourself’ Advice Sucks… Even Though They’re Right Ugh

Let’s play a game. Anytime you see someone asking the understandably common question of ‘What/Where should I invest in?’…

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Budget Update: October 2022 – Bergaji & Pokai Book is Out!
Suraya's Monthly Budget Update

Budget Update: October 2022 – Bergaji & Pokai Book is Out!

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

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Y’All, ‘Bergaji & Pokai’ Book is Out! (Share & Win RM250!)[ENDED]
Shopping

Y’All, ‘Bergaji & Pokai’ Book is Out! (Share & Win RM250!)[ENDED]

I have a new book! I have a new book! It’s called Bergaji & Pokai: Membina Kehidupan Bebas Tekanan…

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10 Affordable Homes in Malaysia to Check Out if You Earn Average Income
Saving Money

10 Affordable Homes in Malaysia to Check Out if You Earn Average Income

For the average person earning average salary and income, getting an affordable home in Malaysia can be a challenge,…

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It’s NORMAL to Feel Like You’re Financially Behind in Life
Commentary

It’s NORMAL to Feel Like You’re Financially Behind in Life

Can I tell you a secret? (Almost) everyone you know feels like they’re financially behind in life. At best,…

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5 Reasons You Should NOT Take ASB Loan
Investing

5 Reasons You Should NOT Take ASB Loan

I took RM50k in ASB loan back in 2011, when I was 22 years old. It was one of…

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15 Things I Stopped Buying and Didn’t Miss
Personal

15 Things I Stopped Buying and Didn’t Miss

This post was inspired by one of my favourite personal finance websites, The Financial Diet. Check out their version…

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Budget Update: September 2022 – When You Want to Travel But Have to Be Responsible
Suraya's Monthly Budget Update

Budget Update: September 2022 – When You Want to Travel But Have to Be Responsible

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

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Cheap Meal Prep in Malaysia – How I Cook for RM4.47 per Meal
Saving Money

Cheap Meal Prep in Malaysia – How I Cook for RM4.47 per Meal

The average cost of a meal in my household is RM4.47 per meal. I don’t know about you, but…

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6 Savings and Investments You can Automate, Aside from EPF Contribution
Investing

6 Savings and Investments You can Automate, Aside from EPF Contribution

Easy investment tip: ‘get the set-and-forget’ ones. Unless you have a natural passion (or desire to learn about) stocks…

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Can You *Really* Afford It? Use the 50/30/20 Rule (Free Editable Template)
Money Management

Can You *Really* Afford It? Use the 50/30/20 Rule (Free Editable Template)

The 50/30/20 Rule is a great guideline for people who just started budgeting. From it, you can easily see…

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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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