BySuraya
How do members of the Malaysian personal finance community first get interested in personal finance? What sparked this fascination for money management? I was curious, so I asked that question during a mini-forum in Ringgit Oh Ringgit FB page one day. The answers were as varied as you’d think. They were so interesting, I reached…
![[SPONSORED] I Asked Hard Questions to the CEO of PIDM](https://i0.wp.com/ringgitohringgit.com/wp-content/uploads/2019/08/ceo-of-pidm.jpg?fit=768%2C384&ssl=1)
BySuraya
As I sat down with Rafiz Azuan Abdullah, the CEO of PIDM or Perbadanan Insurans Deposit Malaysia and asked my questions, it occurred to me that this man is truly at peace with doing a thankless job. If you’re unfamiliar with what PIDM does, they are basically a government authority that provides protection for your…
![[SPONSORED] Revealed: How Takaful Products Get Created (from the Team that Made i-Great Aman)](https://i0.wp.com/ringgitohringgit.com/wp-content/uploads/2019/08/i-great-aman-great-eastern-takaful.jpg?fit=768%2C384&ssl=1)
BySuraya
It’s not every day that you get to ask about the takaful plan creation process directly from the people who actually create them for a living. That’s right, these two ladies from Great Eastern Takaful Berhad makes takaful products. From scratch. They don’t distribute them (that’s the agents’ job). They make them. Say hi to…
BySuraya
Something exciting happened recently. On 23 July 2019, Tun M launched the National Strategy for Financial Literacy (2019-2023). Korang. A national strategy. For financial literacy. Isn’t this amazing? I’m all for it. This is great, we needed this. So I was browsing through the document (thanks Vincent for sending to me!) and thought, hey! There…
BySuraya
Budget Update: June 2019 What a memorable month. More about that under ‘Yay of the month’ section below. For the past few months, I’ve battled my ‘solopreneur’ identity quite a bit. I feel like I should take advantage of this momentum I’m having and expand, get a team under the Ringgit Oh Ringgit brand. I…
BySuraya
Those who know me in person know that I never go anywhere without my notebook, which also acts as my de facto money journal. My notebook is my primary organisational tool, my productivity hack. It’s how I keep track of my life, including my financial life. I jot down everything* in there. The way I…
BySuraya
How much should I spend on a car? I’ve thought about this question many, many times. The answer is simple: whatever is the amount, I should make sure that I can afford it. Like every other purchase. But it’s also not that simple, because if it is, how come 1 out of 4 bankruptcies in Malaysia…
BySuraya
How often have you been in a situation where you go, man, I need money urgently.. Are you simply planning ahead, just in case you’ll be in that situation? Or are you currently desperate for money right now? Then this article is exactly for you. I can only imagine the mental stress you’re going through….
BySuraya
It all started when I posted this on Ringgit Oh Ringgit’s Facebook and Twitter page: It got some pretty freaking amazing answers. Rather than losing them forever in social media, I thought I’d compile them and turn it into unpopular opinions: money edition-article. Thank you so much for everyone who gave me permission to post…
BySuraya
Unexpected expenses suck. They suck so much. They suck more than vacuum cleaners. The worst part is you can’t avoid them. You can minimise them, sure. You can budget them in. You can set up an emergency savings fund. But you can never avoid them altogether. As far as I can tell, there are two reasons why…
BySuraya
Recently I saw a Twitter thread on bad personal finance confessions and I must say I love it! It’s so nice when personal finance gurus admit that they’re not perfect themselves. We all do things that are not necessarily good or ‘optimal’ for our money! Bad personal finance person confessions: I don’t travel hack I…
BySuraya
Did you know that the town of Luang Prabang is one of UNESCO’s World Heritage Centres? If you didn’t, the prices there will remind you, because damn do they jack it up for the foreign tourists. And it was mostly foreign tourists – I didn’t see many local tourists. I’m not bitter or anything –…
