21 Malaysia-Based Personal Finance Instagrammers You Should Follow

Nowadays, I notice there are more personal finance websites and blogs around. My grand scheme to get more Malaysian talk openly about money is working muahahahah!

(okay I cannot take all the credit but some la okay some)

(I’m not perasan they told me one)

You know where else money discussions are spilling over, aside from websites and blogs? Instagram. Yes, Instagram, the platform you log on to get jealous over other people’s perfect-looking lives (I’m not wrong).

So you can imagine how pleasantly surprised I was by the emergence this new trend, of Malaysians sharing about personal finance in their Instagram accounts (instead of the usual food, fashion, beauty, travel, etc). I love following them, and find them therapeutic – as I scroll down my feed, my bouts of envy is naturalised by money quotes and reminders to not spend money!

Here are 14 21 personal finance Instagram accounts that Malaysians should follow. This list is in no particular order.

EDIT: If you are a personal finance Instagrammer, and you’re not listed in this article, please drop a comment with a link to your profile 🙂

#1 – debtfreemy

personal finance instagram malaysia

What to expect in the feed:

#2 – debtfreemalaysia

personal finance instagram malaysia

What to expect in the feed:

 

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My October’s Target. Where I want myself to achieve at the end of this month. #DebtFree #DebtFreeCommunity #DebtFreeMalaysia #BebasHutang

A post shared by DebtFree (@debtfreemalaysia) on

#3 – budgetbabe.my

personal finance instagram malaysia

What to expect in the feed:

#4 – makeover.life.debt

personal finance instagram malaysia

What to expect in the feed:

 

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October’s Groceries (wet food only)

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#5 – savvysaz

personal finance instagram malaysia

What to expect in the feed:

#6 – dearduit

personal finance instagram malaysia

What to expect in the feed:

#7 – mimirello

personal finance instagram malaysia

(yep, the same blogger behind Mimirello.com website!)

What to expect in the feed:

#8 – dividendmagic

personal finance instagram malaysia

(yep, the same blogger behind DividendMagic website!)

What to expect in the feed:

#9 – blackbeltmillionaire

personal finance instagram malaysia

(yep, the same blogger behind Blackbelt Millionaire website!)

What to expect in the feed:

#10 – financial_friday

personal finance instagram malaysia

*not technically Malaysian, but used to study/work in Malaysia, so close enough (she’s from the Mauritius)

What to expect in the feed:

 

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I was an international student in Malaysia and I was constantly on the move: from campus accommodation to cheaper and cheaper rented rooms. . . I wanted to get the most out of my small allowance and soon, I was not only moving to smaller rooms, but I was letting go of a lot of stuff. And yet, the more I stayed in this new country, the happier I was. . . Now that I’m back home, in Mauritius, I realised I didn’t need a lot of things. And I realised that a fancy high-maintenance lifestyle will not make me happy. . . That’s why I wanna share this list, which follows my journey in #intentionalspending and #intentionalliving . . And you? What are the material things you realised you could live without, even despite what others would say? Comment below! . . If you want to read more about the ‘why’ and ‘how’ and back stories of all the items I chose, read it on my blog via the link in my personal account —-> @dkwaye . . . #FinancialFriday #personalfinance #minimalism #minimalist #lessismore #bemorewithless #minimalistlife #spendinghabits #spendless #debtfreeliving #howtosavemoney #savemoney #savingmoney #financialfreedom #moneytips #simpleliving #financialplanning #financialindependence #financialadvice #moneysavingtips #moneyadvice #simplelife

A post shared by It’s #FinancialFriday! (@financial_friday) on

 

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Happy Monday guys! Yesterday, I was going through my old #budget notebooks. I used to get those cute #pocketnotebooks which come with blank no-line pages and would list down: . • all my expenses of day every evening before going to bed, • the exact amount I had in my bank accounts at the end of each month and how much I had in cash at the time of writing, • my #savingsgoals – basically how much I planned to put aside for #savings for the month, • my income of course! . It was a tedious handwritten process, but it was so satisfying, seeing my small savings grow and I got to have 100% control my spending 😊 . . Notebooks from @mosseryco . . . #financialfriday #budgeting #budgetingtips #personalfinance #financetips #savemoney #savingmoney #savingsplan #financialplanning #adulting101 #cutestationery #financialgoals #finances #debtfreeliving #financialliteracy #financialadvice #moneysavingtips #disciplineequalsfreedom #budgetplanner #budgetlife #budgetfriendly

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#12 – debtfreesabah

personal finance instagram malaysia

What to expect in the feed:

#13 – femmefinance.my

What to expect in the feed:

 

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Part 3 of 2019 goals – Investment . 2018 was a terrible year for stocks. My portfolio plunged into a deep sea of red. . For 2019, I’ll take a more conservative approach. . I’ll focus on growing my SG REITS portfolio for its better than average yield and lower volatility. Having said that, I’ll still need to monitor my REITS closely after a booboo with APTT. This REIT took a nosedive and it’ll be a long time before it recovers. 😪 . I’ve been wanting to invest in Public Bank since 2006, but there was never a right price. 13 years later, the price keeps increasing! No more buckling down this time! . If there are other cheaper blue chip stock alternatives, I’m open to hear your suggestions. . I’ve started investing in gold this year as part of my diversification plan. I put in a small amount not more than RM100 a month. . I’m using Hello Gold app. It’s very easy to use, but there are minimal monthly administrative fees. . If you’re interested to sign up, you can use my referral code: “ANGL0EO6” Or, use this link: https://referral.hellogold.com/?ref=ANGL0EO6 . You and I will get RM5 rebate in gold. Win-win! . I’ve invested in 3 P2P Lending platforms. I plan to slowly consolidate it to 2. Will share my experience on this later. . After leaving a steady job, I now have to manage my cashflow with more scrutiny to stay afloat. Too many commitments to juggle. . I used to put my artwork for sale on Printcious. Gains (not much) from purchases made on merchandise with my artwork help fund my personal CSR agenda to give back to society. . This platform is full of talented artists, and competition is huge! I found this to be challenging and not the best way to raise funds for charity. Also, I stopped making art 2 years ago due to lack of time. . Hence, the need to look for other low risk investment alternatives (FD included) to help me contribute back to society. . I endeavour to be less emotional in cutting losses and nurse my portfolio back to health. . #personalfinancemalaysia #personalfinance #personalfinanceforwomen #financialliteracy #financialfreedom #financialgoals #2019goals #moneygoals #investmentgoals #p2plending #hellogold #bluechips #passiveincome

A post shared by Femme Finance Malaysia (@femmefinance.my) on

 

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Hello everyone. 🙋🏻‍♀️ . I’ve taken a hiatus in writing since 2010. Today, I’ll start afresh. . I’ve been procrastinating too long and decided to take action documenting my personal finance journey. . It has been tough navigating the ropes of marriage, a switch in career, and getting my health on track. . I’ve taken a huge leap of faith by switching career, from a stable but highly stressed corporate job to an unstable and highly stressful entrepreneurial adventure. . When I start from Ground Zero, the only way is upwards and onwards. . I’m grateful for the support I have from my better half in my journey towards a better life together. . Join me on my journey and hopefully we can learn from each other. . Update: … things that *spark joy*… the grammar police in me caught my own typo! The horror!!! 😱 . #personalfinance #personalfinancemalaysia #personalfinanceforwomen #financialliteracy #financialfreedom #financialgoals #womeninfinance #workfromhome

A post shared by Femme Finance Malaysia (@femmefinance.my) on

#14 – roostergold

What to expect in the feed:

 

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[ETF StashAway] 2019 WEEK 13 Period ending 29-Mar-2019 ETF Capital = RM10,000.00 NAV = RM10,575.75 Total Returns = +5.8% NOTE: Seeing dividend distributions from two Vanguard funds. To achieve the financial projections in the next 5 years, total returns have to be +112.9% @ simple average of +22.5% p.a. It looks like projections are adjusted daily based on current Total Returns. DISCLAIMER: ETFs & Index Funds are generally long term plays i.e. over years & decades. NOT advisable to invest if one is not planning to hold for the medium to long term. #ETF #ETFmalaysia #IndexFunds #IndexFundsMalaysia #StashAway #FreedomFund #FreedomFundUS #RoosterGold #RoboAdvisory #RoboInvesting #FinanciallyFree #FinancialFreedom #DebtFreeMalaysia #🇲🇾

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#15 – suztainably

What to expect in the feed:

 

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It’s a public holiday today and I spent the morning in the small town of Dengkil near my place with a therapeutic breakfast and grocery shopping. I brought my bags and reused whatever plastic bags i have in my pantry to pack smaller loose groceries. The only additional plastic i have incurred is for the prepackaged corriander seeds. They are hard to reuse and will go into my ecobrick. I feel this is a better choice than travelling kilometers out of my way to get unpackaged corriander seeds. Walking around in the small town, I have also discovered a Chinese Herbal shop selling loose herbs and got myself some goji berries. So happy with this find! A nice surprise is also a small restaurant selling steamed buns which I am unprepared for and I got myself some steamed buns and red bean dessert. The downside of not being prepared is having to use their single used plastic bags. At this point of time, i no longer cringe or stress if I amassed any plastic. I made the intention to dispose them properly/reuse whichever more possible. Our decisions should bring us peace and I am fine with this minor imperfections. This i find is more sustainable for this change of habit. Also, I will be more prepared the next time I come around!!

A post shared by S U Z (@suztainably) on

#16 – my.moolah

What to expect in this feed:

 

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UPDATE: Renewal (for students) can only be done online and it takes 15-30 working days for approval. Yikes. Here’s to a month without 50% off on fares for my public transportation. 😭 I completely forgotten that my student concession card has an expiry date. Noticed my MRT one way fare was RM 1.80, instead of RM 0.80.. then realized it’s been 1 year since I had this card. Will be charged normal rate for another week or so till I get my confirmation letter and submit it. 💸 On a brighter note, online renewal is available, so I don’t have to go all the way to Pasar Seni. #debtfreemy #debtfreemalaysia #debtfreejourney #debtfreecommunity #debtfreegoals #debtfreelife #debtfree #financialfreedom #personalfinance #personalfinancemalaysia #frugal #frugalliving #budgettravel

A post shared by my.moolah (@my.moolah) on

 

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Specific goals for the month of January 🤸 I’m currently on semester break till mid February and I plan to work almost everyday. I was thinking there’s no better time to to start on the no spend challenge that I recently discovered and the first four days are going well so far. My attempt at budgeting used to always last for a week and I’d give up, but I’m determined to track all my expenses this time around. As I’m not getting any younger, this year I really wanna focus on my health and start doing home workouts again. I need to read more too. #debtfreemy #debtfreemalaysia #debtfreejourney #debtfreecommunity #debtfreegoals #debtfreelife #debtfree #financialfreedom #personalfinance #personalfinancemalaysia #frugal #frugalliving #100abchallenge #goals #newyearsresolution

A post shared by my.moolah (@my.moolah) on

#18 –

What to expect in this feed:

 

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New Post! Link in bio. Data is beautiful. 1. Last month I did a calculation for the ownership cost for my car out of boredom. (Not happy with the results). 2. This month is my second year owning it, I wrote a post about it with some beautiful data. (Still not happy with the results). . Cost of ownership for 2 years is RM24k (what?!) It’s supposedly an affordable car. . #PersonalFinance #PersonalFinanceMalaysia #DebtFree #DebtFreeMalaysia #FinancialFreedom #FinancialFreedomMalaysia #ToBecomeDebtFree #GettingRichSlowly #DebtFreeCommunityMalaysia #MoneyManagement #SmartFinance #AiryLilM #DividentIncome #RinggitSense #Belanjawanku #SlowAndSteady #LuckyBrat #SavingMoney #Step2 #Enlightened https://airylilm.wordpress.com/2019/04/03/k-is-two/

A post shared by Airy Lil’ M (@airylilm) on

 

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Hello Payday! Been following a zero-based budget since Aug 2017. Every ringgit and sen earned has a place. It’s divided into 6 categories. – Mortgage – Loan & Insurance (Car loan, Medical Card, MLTA) – Living (Daily expenses) – Investment (UT, Stocks) – Savings (Traveling, Emergency Fund) – Car (Gas, Monthly Parking) Most of the time I wasn’t able to stick with Living & Savings budget. The others are pretty much fixed. I hope that by updating my progress here it will help to motivates me to stick to my budget. · 1. March Overview [Yay] Was able to stick to my “Living” budget. Even after adding an unexpected expenses (dentist visit), it was within my budget. All goes to funding for my trip. Am seriously planning to shorten my Car Loan term (5 more years) but at the same time would like to grow my investment. I might have to divide and conquer on this. · [Nay] Since January I wasn’t able to put as much money for investment as I have budgeted for because I need to save for my Taipei trip. Next year I’ll plan better (financially) for my trips. Might have to spend a large chunk of my bonus for Strata title because I don’t want to touch my Emergency Fund. I only have 1k for my strata fund. I’m so glad it happens around bonus time and I do have a Emergency Fund for stuff like this but I was planning for it to happen in 2 – 3 years time, that’s why I only have 1k saved for it. · 2. April Budget For April, a large percentage of it goes to “Living” category for Taipei trip because I’m leaving on payday next month. Oh, no! Good news is salary will still be intact once I’m back! · #PersonalFinance #PersonalFinanceMalaysia #DebtFree #DebtFreeMalaysia #FinancialFreedom #FinancialFreedomMalaysia #ToBecomeDebtFree #GettingRichSlowly #DebtFreeCommunityMalaysia #MoneyManagement #SmartFinance #AiryLilM #DividentIncome #RinggitSense #Belanjawanku #SlowAndSteady

A post shared by Airy Lil’ M (@airylilm) on

 

#19 – surayaror

Mine 😀

personal finance instagram malaysia

What to expect in the feed:

Special mentions!

Aside from the above, I also want to feature some people in the zero waste movement who are leading by example. They prioritise DIY culture, consuming less and buying local & natural. We can learn a lot from them, and save a bunch of money in the process, too!

#20 – zerowastemy

personal finance instagram malaysia

What to expect in the feed:

 

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Current read: Doughnut Economics: Seven Ways to Think Like a 21st-Century Economist, Kate Raworth. This should be essential reading for every economist, student, human. . . An excerpt: “Economic theory has long portrayed a “clean” environment as a luxury good affordable only for the well-off. … growth will (eventually) clean [the pollution] up. But there is no such law: ecological degradation is simply the result of degenerative industrial design. This century needs economic thinking that unleashes regenerative design in order to create a circular – not linear – economy, and to restore humans as full participants in Earth’s cyclical process of life.” . . We can no longer ignore the fact that economic “growth” led by our consumption and need (greed) for endless stuff (fashion trends, latest gadgets, dollar store knick knacks) has had a very negative impact on our planet. Scientists now warn of potential irreversible environmental damage affecting us, all of us, by 2030. Impacts include more severe droughts, heavier rains, coastal flooding, wildfires and heat waves. Will you take action to reject this insane model of a linear economy in favour of a more circular one? We can all do something small to ensure we still have a liveable planet in 2030, 2040, 2050. Take public transport instead of driving; shop local produce; refuse that straw, plastic bag, coffee cup and free gift; forget that sale – shop your best friend’s closet; eat less meat; start a compost. What will you do to reduce CO2?

A post shared by Elena (@zerowastemy) on

#21 – iquitwaste

What to expect in the feed:

 

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I made a new simple face scrub: locally grown brown sugar, local raw honey from stingless bees, juice of keffir lime and ground ginger (both I got from the market). Use it once a day before going to bed. I don’t know if it removes make up cuz I don’t use make up 😊 My small way of reducing my impact: we all have limited emissions credits, by making my own product from a few natural locally sourced ingredients I have a sustainable alternative to a plastic-packaged, centrally manufactured with many dubious chemicals shipped in from different places, heavily packaged and shipped out finished product; which gives off waste in the form of toxic suds wastewater and plastic microbeads down the drain, and a plastic tube or bottle that probably will never get recycled and end up in the ocean. And let’s look at emissions: a commercial manufacturing facility consumes huge amounts of energy (industry is in the top 5 of largest emissions sources), and then logistics of shipping out finished products (transport is also in the top 5). Take back our individual emissions credits. By making and consuming things as close as possible to their natural state and locally sourced, we are giving the finger to big industries and putting ourselves and our planet over their profits 💚

A post shared by Smita Jairam (@iquitwaste) on

 

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It still bothers me when I see many urban Malaysians insisting on buying and consuming imported food, fruit and vegetables; especially in affluent cities. We are so uber-blessed to live in a land of abundance, fresh fruit and vegetables growing all year round: greens, gourds, tubers, roots, herbs, flowers, fruits, everything that is needed to nourish us. Imported fresh fruits and vegetables have to be air freighted and wrapped in layers of plastics to maintain their freshness when they reach their destination. All that plastic waste and emissions are contributing to Mama earth’s deterioration. The transport sector is one of the biggest emitters of greenhouse gases and what are they transporting: people, goods and food! It’s especially ridiculous because here in Malaysia we maintain our culture of regular farmer’s markets that happen in every city and every town. Kuala Lumpur has accessible morning and night markets in different suburbs. In East Malaysia, they are called tamu and are held regularly. On our road trip this past weekend, we stopped in many small towns and headed straight to the tamu to buy local goods, including food. We don’t need fancy “exotic” trendy superfood fruit and veg grown 15000km away. It’s not healthy for our bodies if it’s killing our planet. Photo by @dean1sm

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Do you know of any other personal finance accounts in Malaysia we should follow?

Strictly curated by people, not brands or companies 😉 And must talk about personal finance in the majority of their posts.

If you know of any other Malaysians maintaining personal finance instagram accounts, share with us in the comments section!

Author

6 comments

  1. This is awesome Suraya! I have just started my own personal-finance-frugal-have-less-spend less-invest-more journey and also have been documenting it too. Sometimes I want to see/read references esp on budget hacks/tips. Besides your blog, the others have stopped sharing that much? So it was quite frustrating. I mean, if i want to refer to angmoh’s tips, i cannot relate much hahah but these IG accounts you’ve shared here make me happy hahaha like you, i’m so happy now that malaysians are not afraid to share their personal finance journey! Thank you for sharing!!

    1. Hi Nisa,

      Show the ones who stopped that this community is alive and growing! Who knows that’ll motivate them to continue!

      Thanks for swinging by as always. Appreciate your support <3

  2. Thanks for sharing these, Suraya! It’s so refreshing (and honestly a relief) to see something aside from endless curated perfection on my instagram feed. Followed a few and of course you too!

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